davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I resubmitted another dispute XX/XX/2021 and received a response from the credit bureau that they would not reinvestigate the account because there was already an active dispute which there was not an active dispute because my original dispute was on XX/XX/2021 for the account listed below. 

XXXX CARD Account Number : XXXX SHOULD BE REPORTING AS Current Principal Balance {$280000.00} instead of {$330000.00} XXXX XXXX XXXX  Account Number : XXXX XXXX
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Hi I have a problem with someone using my social security to check my credit score and it brings my credit score down little by little i dont know who has my information and its annoying Im stuck cause Im Trying to build my credit and I cant if someone is Constantly doing this
Consumer complaint received 2021-12-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

My home was appraised on XX/XX/2021. Freedom Mortgage has stopped responding to me and has not given me a copy of my appraisal. I've called and emailed with no response. My primary issue is I need the appraisal so I can work with a different company and I shouldn't have to pay for another appraisal. I was supposed to close on my loan today ( XX/XX/XXXX ) but my file is reportedly still in underwriting. It's been one issue after another with this company. I started the process on XX/XX/XXXX. I can't get any response on any topic from the loan officer or the customer service advocate. I have no idea when I might have a closing date. This is hands down the very worst experience I've ever had with any company.
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (VA)

I, XXXX XXXX, am submitting this complaint for myself and there is no third party included. I have just got off the phone with a representative named XXXX at Experian. I have disputed a fraudulent account with Experian and they have stated that the creditor verified the account. Section 603 ( 2 ) ( A ) ( i ) states a report containing information as to transactions between a consumer and the person making the report is to be excluded from my consumer report. Therefore since the creditor is the person making the report I am demanding that the account be removed.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (PR)

JCP Mastercard increased the APR interest rate to XXXX Percent without notification. This act caused the account to go over the credit limit. This in turn caused my credit worthiness to decrease and my FICO score to decrease to an unfavorable number score. Since 1999, I have been with the card. I have never been late in payments, have always paid more than the minimum payment. I asked JCP Credit Synchrony bank to increase the credit limit to off set the extremely hight interest rates that took the account over the limit and they rejected the request. I also asked them to consider lowering the interest rate and they also declined. 
This is usury. They increased the interest rate by more than 20 points. They did not sent a notice of the increase although they knew that I was closed to the credit limit. 
This over the limit amount was caused by the interest rate increase of XXXX and XXXX and XXXX that posted to the account.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The credit repair companys are illegally placing False information on my credit report, thats a violation of my civil liberties, and illegal. By law law you cant report late payments on my credit report, I have had any transactions with the credit reporting agencies and that makes the disclosure of the information illegal
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : FACTUAL DATA Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 FACTUAL DATA Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS-XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS-XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 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.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (CA)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc. (MN)

XX/XX/XXXX I contacted lender to advise them of my diagnosis of a severe chronic illness and I had lost my job. They informed me they had no forbearance or any options for 2nd Mortgages. I continued to pay XX/XX/XXXX was my first late payment and I paid XX/XX/XXXX including late fee. 
XX/XX/XXXX I contacted lender to make them aware that MNHOMEHELP was attempting to pay them but had not received a response. XXXX told me to get date attempt was made. I contacted lender XXXX XXXX provided date of email then was told they get XXXX of emails they needed time also. I contacted lender again provided date and time and this agent informed me they were not able to retrieve emails. I asked for XXXX but was told there wasn't one available and they would ask for one to call me back. It took 3 weeks of constant calling to lender and MNHOMEHELP reaching out to them yet lender said they couldn't open encrypted email!!! Instructions are in the email on how to open. Eventually I was able to get an agent at MNHOMEHELP to call them and sit on the phone with an agent to walk them through how to open email. MNHOMEHELP is federal organization so all their emails are encrypted. Lender then completed form requesting XXXX and XXXX payment. They received payment XXXX. They charge late fee after XXXX of the month and they would have been paid had the experience of opening encrypted emails!! They reported late on my credit from their error!!! My credit dropped over XXXX points.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (AL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I sent my 3 verification letters on XX/XX/2023. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. The following accounts and Numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-16
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)

Dear XXXX, please remove the following accounts listed in the files below. These accounts has been reported fraudulent. I was able to report but I am asking that you guys delete the following accounts. Without those accounts I have a very good credit history.
Consumer complaint received 2019-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (TX)

This company initial calls from the XXXX provided w/ DCI on Caller ID. This is Diversified Consultants attempted to collect a small amount of about XXXX. They have repeatedly called and continue to harass by calling from other phone numbers mostly XXXX area code. This company has once informed of the nature of the debt but does not note such on my personal credit reportings. The nature of the debt is fraudulent as know money was agreed owed by the apt complex in which I believe this debt relates. Such is the case a full 13mo lease was paid and extended on a month to month basis until a written and agreed move out date was filed with the apt complex. Assuming this is in fact what they attempt to collect ... the amount is fraudulent and not owed. 

This company ( Diversified Consultants ) has managed to reduce my XXXX Credit score many time with the last report resulting in a 16pt decrease following last discussion. 

I have blocked the XXXX number the company continues to harass calling from varied numbers as suggested.
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

For over one year now I have been asking Rushmore loan management services to reappraise my house so that I can avoid PMI. I have asked Rushmore loan to arrange their home appraise and Ill pay the cost - they have time and again refused to appraise my house- they have never given me any legal reason as to why they are not appraising my house in Arizona XXXX this communication started in XXXX and this is XXXX XXXX. I believe my house value has significantly increased in past couple of years and LTV ratio is way better than threshold of 70 % This company is fraud and deliberately denying my right to reevaluate through appraisal
Consumer complaint received 2019-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (CA)

I have several variable student loans with Discover which are supposed to follow the PRIME rate index. Every time the PRIME rate had an increase, Discover updated my monthly payment immediately. However, this time the PRIME rate decreased from 5.50 % to 5.25 % on XX/XX/2019 and Discover has not updated my overall interest rate and it is still charging me with the 5.50 % old PRIME rate.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I sent Barclay 's Bank a payment of {$4000.00} with 4 money orders in the amount of {$1000.00} each. They processed 3 of the 4 payments which equals {$3000.00}. {$1000.00} of it is MISSING? I was asked by the 1st Barclays rep to contact the United States Postal Service and get copies of the front and back of each money order which I did for a fee. 

ALL 4 money orders have been cashed by Barclays Bank via XXXX XXXX XXXX   acct # XXXX. Barclay bank has my money and hasn't credited my account. 

This is bad business on Barclays. I have not only did my part by making my payments, but also have proven being reasonable doubt that I made the payments and that Barclay has cashed them and deposited into there XXXX XXXX Account I asked if by faxing them the copies of the cashed checks could the expedite my claim and they said NO. If we were talking about {$100.00}, okay lets wait 25 days, BUT were not. Its {$1000.00} that isn't being credited to my credit-card and i'm being charged interest on it. {$1000.00} is Grand Thief and as far as I'm concerned they stole my money. What financial institute doesn't reconcile daily? I work for a financial institute and were required to balance each day and have resolution.

I want to file a Grand Thief complaint.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (KY)

In XX/XX/2019, I sent a certified letter to the credit agency. In the certified letter i asked for the three collections  that are medical bills and posing a negative impact on my credit to be validated by their company. This collection agency has had ample amount of time to respond in a timely manner and haven't do so yet. I received the certified part back signed but no information as far as paperwork of signed documents.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

I sent a certified mail return receipt the company failed to insert a date on the returned receipt and also failed to complete the credit disclosure showing the date the debt was charged off. I asked if the debt was assigned or purchased from a previous creditor and if so how much was paid for the assignment or purchase. I also requested so see the terms of the assignment. To date the collector has failed to provide this information. They have yet to validate the debt according to the FDCPA
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

I am requesting my consumer report and submitting the information requested by XXXX for the 4th time. I have a right to my credit report and scores and I am being denied that right by XXXX using stall tactics to keep my report from me.
Consumer complaint received 2019-08-29
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. (NC)

All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX report, Transunion report, and XXXX report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

My newly issued credit card from Best Buy/Citibank Visa was intercepted in the mail before reaching me. It was used to charge approximately {$1600.00} in merchandise. I was informed that the card was pre-activated when it was issued and mailed out. This should not be a practice of any responsible company, as it is practically asking for fraud to occur at the expense of not only the creditor, but the consumer who has to suffer consequences because of this unsecured practice. I am reporting this because I want to take every possible step to protect my credit which I have worked diligently to repair. This breach, albeit temporary as explained to me by the credit card company, has damaged my credit. I would also like an investigation into my local post office, because within this month, another newly issued credit card from XXXX XXXX was also intercepted in the mail. Fortunately, that card was not pre-activated as in the case with the Best Buy card and I was alerted to the fraud and issued a new card immediately. Thank you for your time and attention.
Consumer complaint received 2019-08-29
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: EQUIFAX, INC. (CA)

I have paid this account in full and when I tried to dispute it the credit buerus recommend that I contact XXXX XXXX. I called them at XXXX and spoke with XXXX # XXXX. He then informed me that card was under the last name XXXX which is not name. I asked him can I have the number to the collection agency and he stated that number is not linked to my account.
Consumer complaint received 2019-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/19, I received a notice from XXXX that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX bank is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX bank existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX bank claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX Bank who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although XXXX brought this to my attention, XXXX, TransUnion and XXXX are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX Bank is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.