davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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: CITIBANK, N.A. (MO)

On XXXX I walked into home Depot to purchase a washer and dryer, up on speaking to an employee ( XXXX ) working in the appliance department I was offered a deal for a revolving credit card account with a soft inquiry by him. I proceeded with said offer as he is sitting behind a desk and computer asking for my information to process a revolving credit card account that he said is an soft inquiry as a credit pull. As I completed giving him my information I received notification that a hard inquiry has been made on my XXXX credit report. I was even told after the account was approved and a temporary shopping pass was issued by one of the managers ( XXXX ) for immediate use. The pass did not work the manager did not come up to check the situation leaving an employee to try and figure out what went wrong to no resolve. Over the next few days of visiting the home depot and not being able to use the product I finally find out from manager ( XXXX ) that employee XXXX has incorrectly submitted my information for a different type of account than what I was applying for. Manager ( XXXX ) told us sorry and he would have Regional Manager ( XXXX ) Who dealt with Home Depot/ Citi bank credit card issuers reach out and get the issue resolved, which to date has not happened. I ultimately had to spend hours at Home Depot and on the phone with City Bank trying to figure out who handles these kinds of issues with no one had answers. I reached out to XXXX via dispute in which this inquiry remains on my profile.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC (AL)

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 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (NV)

Freedom Mortgage stated my home hazard insurance was expired very soon after taking over servicing of my mortgage. This was inaccurate as my insurance was paid at settlement just a couple months earlier for a full years term. Freedom has all my insurance information and is scheduled to pay the insurance out of escrow. Instead of verifying with the insurance company they automatically took out a more expensive policy and said I had to prove I still had insurance. The request came from a third party that was not Freedom mortgage and not using Freedom mortgage websites or phone numbers, so it appeared to be a scam. After I verified the insurance, Freedom mortgage rescinded the additional insurance. Reports from other Freedom mortgage customers on the internet report this is standard practice for Freedom mortgage even though they can verify customer 's insurance. This practice appears to be a deceptive trade practice by the mortgage company to try to get additional money out of their customers and put the burden on customers instead of verifying the insurance with the data they already have on file.
Consumer complaint received 2024-08-20
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. (GA)

On XXXX/XXXX/2024, I submitted a complaint to CFPB about a fraudulent account on my credit report. The CFPB notified TransUnion of this matter and they responded on XXXX/XXXX/2024. On XXXX/XXXX/2024, TransUnion ask for me to fill out a TransUnion XXXX diffently from XXXX I submitted to FTC IndentityTheft.gov. TransUnion has refused to abide by the laws FCRA section 605b and block account ending in # XXXX from my consumer report they rather choose to say the account was verified as accurate without providing any proof.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I found inaccuracies on my report. 


XXXX Account # - XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2024-07-01
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

I had an account with XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) ago. Made my last payment to them on XX/XX/XXXX. In XXXX of XXXX I was diagnosed with XXXX XXXX XXXX. I fell behind on payments. I was then contacted by XXXX XXXX and I worked out a payment plan with them. My bank account was compromised at that time and a new account for me was placed. I contacted the CA and explained my issue, I provided my new account number etc. so I can continue to make payments to settle this once and for all. NO FURTHER PAYMENTS WERE TAKEN OUT. No calls or letters etc. All was quiet. I continued to get sicker with my condition and have spent months on and off in hospitals both in and out of state. My account was closed on XX/XX/XXXX till XX/XX/XXXX. On XX/XX/XXXX, while in the hospital I was contacted that a Letter was sent along with a docket summary for me to appear in court on XX/XX/XXXX, XXXX Midland Credit Management . I am " being sued for {$4.00}, XXXX.
Consumer complaint received 2023-03-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I have been in compliance with all of Wells Fargo request, title clearing, financial documents and paid all the payments they demanded despite the frequent amount changes. I have been trying to participate/obtain a COVID-19 Loss Mitigation modification since XX/XX/XXXX. 

I was told there was an approval in XX/XX/XXXX but never received any paperwork. 
Then I received paperwork in XXXX of XXXX notarized by the deadline sent it back then told it was denied. XX/XX/XXXX of XXXX, I received a Modification package with a higher interest rate and a non reduced payment. 

I don't understand what and why this is happening. I have an FHA loan and meet the qualifications for the mitigation process. Please help me. I have been reaching out for support to no avail. It appears I will have to seek assistance and or report to the media to get an opportunity that has been offered to homeowners across the globe.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, I hope this letter finds you well. I am writing to express my concern regarding a late payment that was recently reported to my credit report due to my Chase credit card account ( XXXX XXXX XXXX XXXX  ). This situation has caused me significant distress, and I am seeking your assistance in resolving this matter. 

Recently, I set up a payment plan through the Chase app to pay off the remaining balance on my account with a lower interest rate ( $ XXXX payment ). Despite my willingness and proactive steps to address the balance, I did not receive any notification from Chase indicating that I needed to make another payment ( $ XXXX previous unpaid amount due ) in addition to the {$77.00} to bring the account current. Consequently, I made a payment of {$77.00} for the payment plan assuming that setting up the payment plan had brought my account to current status. 

To my shock, I discovered that a late payment had been reported to my credit report, which has caused my credit score to drop by over XXXX points. This has been highly inconvenient and alarming, especially as I am currently in escrow to purchase a property. The sudden drop in my credit score due to this single late payment poses a significant risk to my ability to close on the property, and it will reflect negatively on my credit report for the next seven years. 

I called Chase 's customer service to address this issue, but I was informed that nothing could be done and that the item would remain on my credit report for seven years. I genuinely believe this late payment was an oversight on my part, primarily due to the lack of clear communication regarding the need to make two separate payments. I have since made both payments to bring the account current and am committed to making all future payments on time as per the payment plan. 

Given these circumstances, I am kindly requesting that Chase consider removing the late payment from my credit report. I have always been diligent in managing my financial obligations, and this isolated incident does not reflect my usual behavior. Your understanding and assistance in this matter would be greatly appreciated, as it would help me maintain my creditworthiness during this crucial time.
Consumer complaint received 2024-06-22
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. (FL)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-07-01
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. (NJ)

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is XXXX  % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : **Account Name : ** XXXX XXXX XXXXAccount Number : ** XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account XXXX : XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have Inquires that I did Not authorize. I have no accounts with none of theses companies. I did not apply for credit with none of theses inquires. Please help me remove from my credit report. I tried on my own with no success. Thank you in advance XXXX Inquires -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX. XX/XX/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 XXXXXX/XX/XXXX Equifax inquires 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 XXXXXXXX Inquires 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
Consumer complaint received 2024-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

My spouse an I have a FFEL Joint Consolidation Loan ( privately owned ) that originated in XXXX  in amount of {$88000.00}. Since XXXX  we have made XXXX payments totaling {$110000.00}. However, as of today XXXX Navient ( servicer ) claims we owe {$120000.00} on this loan. This is outrageous and impossible. For the past 18 years we have made XXXX payments totaling {$110000.00}, yet the loan servicer claims we owe {$120000.00} on this loan?! This loan should be the poster child for student loan abuse. The actions of Navient and the owner of the loan are unfair, deceptive, and unconscionable. The loan should be paid in full at this point. We am asking that Navient and the owner adjust the loan to a XXXX balance. Thank you!
Consumer complaint received 2024-06-14
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: SYNCHRONY FINANCIAL (NJ)

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - XXXX5 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my XXXX XXXX and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX
Consumer complaint received 2024-06-21
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. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am attaching copies of all letters sent below
Consumer complaint received 2024-07-10
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

So this company has been harassed me for quite a while. Theyre calling my family members. Theyre leaving me messages. Theyre trying to contact me at work. Theyre sending me emails. I tried to make arrangements with them. They told me they wanted to settle for an XXXX amount. they said he didnt care. I got nowhere with him. He was very very rude. Every time I call the people are just extremely rude. Theyre not interested in anything except pain in in anything except pay in XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

NOTICE OF RIGHTS UNDER THE FAIR CREDIT REPORTING ACT To : Equifax, XXXX, and [ Furnisher of Information to Credit Agencies ] I, XXXX XXXX XXXX, hereby notify you that you are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 

As a consumer, I have the right to privacy and to control the sharing of my personal information. You, as consumer reporting agencies and a financial institution, have a legal obligation to respect my privacy and protect my nonpublic personal information ( 15 USC 6801 ).

You do not have my consent to furnish my consumer report or personal information to any third party. Any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

I was never informed of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). Furthermore, you are reporting adverse information about me without my permission, in violation of 15 USC 1681c ( a ) ( 5 ).

You have a legal obligation to ensure the accuracy of the information you furnish to consumer reporting agencies ( 15 USC 1681s-2 ( A ) ( 1 ) ) and to maintain reasonable procedures to avoid violations of the FCRA ( 15 USC 1681e ). You are not meeting these obligations.

I hereby opt out of your reporting services, as is my right under 12 CFR 1016.7. I demand that you immediately cease furnishing my consumer report or personal information to any third party.

Please confirm in writing within 10 days that you have complied with my request. 

Sincerely,
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n 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. 

XXXXXXXX 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 Account name : XXXX XXXXXXXX, 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 : 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.

15 U.S. Code 1666b 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.