davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CO)

During my recent refinance of my mortgage loan I believe my mortgage servicer made several errors in the processing of my loan and violated RESPA and TILA. 

I began the process of refinancing on XX/XX/2019 with XXXX XXXX NMLS XXXX Loan Advisor with Freedom Mortgage. Freedom Mortgage was my existing loan servicer and as such I felt they had my best interests in mind. This was proposed to me as a streamlined VA loan refinance to reduce my interest rate. I read through the documents and signed my closing disclosure and continued. I set my closing for XX/XX/2019 with XXXX XXXX   XXXX. I was presented a 2nd Closing Disclosure at Closing which I believed was due to the fact of making my mortgage payment in XXXX. I proceeded through the closing as the was only slightly less favorable to me. I then received a 3rd closing disclosure on XX/XX/2019 from XXXX XXXX  XXXX. This closing disclosure was more unfavorable to me and I began reaching out to Freedom Mortgage to try to find answers. Although repeatedly requesting a detailed, full and clear, written explanation of what occurred both XXXX XXXX and his supervisor XXXX XXXX NMLS XXXX did not oblige. 
In my emails to Mr XXXX and XXXX, I also indicated that the mortgage payment I made in XXXX should not be refunded, but rather applied directly to my account. As of this point, neither has occurred. I began reviewing the new loan documents after they became available and was troubled to find that my principal had increased significantly. My original mortgage remaining principal of {$290000.00} was paid on XX/XX/2019, and a new loan was created with a beginning balance of {$290000.00}. I was told by both Mr XXXX and XXXX that my principal would not change, that this was a streamlined VA rate reduction refinance and that the only thing that would be changing would be my interest rate. I have now lost almost {$2000.00} in principal and the related interest for the last two months, along with my XXXX payment of {$1800.00} that should have gone completely against principal, along with the associated interest. 
Furthermore now, I received a letter on XX/XX/2019 from my homeowners insurance company intending to cancel my policy due to lack of payment. I was not advised ahead of time that a new escrow account was going to be opened, but since it was I am not sure as to why Freedom Mortgage has not paid my homeowners insurance.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collection Services, Inc. (OK, TX) (TX)

ALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Complaint Statement Regarding Fraudulent Charges with Chime Credit Card To Whom It May Concern, I am writing to formally express my dissatisfaction with Chime regarding unresolved fraudulent charges on my account. I promptly reported these unauthorized transactions in accordance with the procedures outlined under federal law, specifically the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666, which mandates a thorough investigation of disputed charges and requires creditors to correct billing errors within two complete billing cycles ( but no more than 90 days ). 

Despite my compliance with Chimes investigation process and adherence to these federal guidelines, I have not received a refund or satisfactory resolution. The inadequate investigation of these fraudulent charges by Chime violates not only customer trust but may also be a breach of Regulation E ( Electronic Fund Transfers Act, 12 CFR Part 1005 ), which provides protections against unauthorized electronic transactions. These regulations require prompt and fair investigation procedures, as well as a provisional credit while the dispute is under reviewnone of which I have received. 

I respectfully request immediate action on this matter, including a full refund for the fraudulent transactions. Additionally, I ask for a detailed report of the investigation, including the specific steps taken to address my concerns. Failure to act promptly could leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

Please treat this letter as formal notice, and I look forward to a swift resolution. 

XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I am writing to request the removal of an inaccurate entry from my ChexSystems report regarding a XXXX account. The report incorrectly indicates that the account was charged off, which is not accurate. The account had a brief overdraft of {$300.00}, which was promptly paid in full. 

Account Details : Bank Name : XXXX XXXX Issue : My ChexSystems report inaccurately shows a charge-off status for this account. This is incorrect as the overdraft was settled in full shortly after it occurred. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported must be accurate and reflect the true status of the account. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information on my report. Additionally, Section 623 ( 15 U.S.C. 1681s-2 ) requires that information furnishers maintain accurate records, and any inaccuracies must be corrected or removed. 

Request : Given that this account was not charged off and was fully paid, I request that ChexSystems remove this erroneous charge-off entry from my report. The incorrect information is adversely affecting my credit profile and needs to be rectified.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX. VA XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : Complaint Regarding Misleading Bankruptcy Information and Request for Verification Dear Sir/Madam, I am writing to formally file a complaint regarding misleading information about a bankruptcy filing that appears on my credit report. I am seeking your assistance in resolving this matter, as the information provided by an undisclosed third party is incorrect and does not reflect the actual court records. 

Summary of Issue : Disputed Information : I have discovered that my credit report contains information about a bankruptcy filing that is inaccurate and misleading. I have attached letter from the Court that show they have not disclosed any information of such or any kind to a third party. Hence, I am requesting the name and address of the source of this misleading information on my Personal credit report so I can sue them personally. If you're unable to provide the name and information of this third party, I request that you completely remove any occurrence ( s ) of Bankruptcy and data acquired from this party on my credit report. 

Court Documentation : I have enclosed a letter from the bankruptcy court verifying that the court did not furnish the disputed information to the reporting agencies. This letter confirms that the information provided by the third party does not align with the courts records. 

Request for Action : I request that the CFPB assist in verifying the accuracy of the reported bankruptcy information. Based on the enclosed court documentation, it is clear that the disputed information should not be present on my credit report. Therefore, I request that this incorrect information be removed.

Enclosures : Copy of the letter from the bankruptcy court, proving that the court did not furnish the disputed information. 
Copy of my current credit report highlighting the disputed information. 
Any other relevant documents that support my claim. 
Desired Outcome : I kindly request that the CFPB investigate this matter, verify the accuracy of the reported bankruptcy information, and ensure that the incorrect details are removed from my credit report. I would appreciate a prompt response regarding the actions taken and any updates on this issue. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if any further information is needed. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/19 I applied for a new Barclay account to charge an XXXX purchase and was approved - when I got the credit card on XX/XX/19 I activated the account and it said successful - However, when I tried to register online account to view activity it gave me security questions ( supposedly linked to credit profile that I monitor daily ). Those questions were, previous car owned? and previous colleges attended? None of the selections applied to me at all on either question. Therefore they locked my account. I called company on XX/XX/19 to help gain access after I tried to use it and it did not authorize my purchase. I was driving and company wanted me to email a bunch of private information which I am pretty sure is illegal to request this email and since I was not able to do it I told them I would call back when I could depending on information they wanted. I called back and talked to someone today XX/XX/19 and they asked for, Front and Back of drivers license, front and back of social security card, Paystub, and utility bill. I informed them that was way too much sensitive information which would give them full access to my credit profile and I did not feel comfortable about sending it and asked for other options since I feel this may now be fraudulent. They said there was nothing else they could do without that complete information. I then said please close my account immediately because I can not use it and refuse to incurr charges on an account I can not use. They said they also could not close this account without all that information - I feel this is illegal for two reasons : 1. I should be able to close any account I want - 2. they should not be allowed to take copies of all that information. I have asked them to reset questions and I will do online again and they also won't do that. I now believe that this call center may be involved in fraudulent activity. They also refuse to send me an email verifying they are requesting this information
Consumer complaint received 2024-09-13
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)

I am attaching a letter which I wrote and mailed to you about this situation. The letter was returned as not deliverable as you no longer have the po box which Experian gave as place to send any complaints about credit dispute results. 

I am also including copies of the relevant pages from my separation and divorce decrees which show that my ex-husband and I were each respectively responsible and liable for our own incurred liabilities subsequent to our date of separation. While the XXXX XXXX is not listed in our paperwork, it is a credit card that my ex-husband retained and became solely responsible for any liabilities incurred from the date of our separation forward. We have been separated and divorced for over 20 years.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (NY)

Accurate Inc. According to 15 Untied states Code 1681 ( A ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Should not be reported. However the information on the report antedates in the scope of law by 12 years. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. After notifying the Accurate INC of out scope information and inaccurate information must be removed on XX/XX/2023. Accurate fail to follow rule 15 United States Code 1681 ( N ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum ofXXXX dollars.such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. After receiving a conditional job offer XX/XX/2023. I completed all the steps successfully up to this point. XX/XX/XXXX I received adverse letter stating was criminal findings.Due to this report my employment was rescind. After careful examination I discovered inaccurate and out scope information alone with fair act reporting violations.
Consumer complaint received 2024-09-13
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. (IL)

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.

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 2019-12-26
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. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have requested multiple times for removal. I have been fighting this issue for YEARS now. As a XXXX Veteran and someone who no longer has outstanding loans with XXXX, the practices of this company are malicious and not valid.
Consumer complaint received 2024-09-13
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. (MS)

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 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc. (PA)

Online Information Services placed eight accounts from XXXX XXXX XXXX on my credit report without ever contacting me to verify the bills. They used really old contact information and the wrong policy number. I called them ( XXXX ) and told her about the mistakes to which she replied ( XXXX ) that contacting me was a " courtesy '' and she was under no obligation to contact me prior to putting the accounts on my credit report. Hence, I was never contacted. Then, in a letter from the provider sent me dated XX/XX/XXXX, all charges where XXXX  out. Still, the collection items appear on my credit report ( XXXX XXXX and XXXX. ) In addition, XXXX XXXX placed three old collection items on my credit reports from yet another XXXX XXXX, XXXX XXXX. These bills dated back to XXXX and XXXX. Again they had incorrect contact info and policy info. I called their Patient Advocacy number, XXXX on XX/XX/XXXX and was told= verbally that they would remove the bills from the credit bureaus. They, too, still appear on my credit report. 

In XXXX, the same thing happened with another XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Once again, they used the wrong policy number and contact information. I filed a lawsuit because they destroy my credit and just reaches a settlement with all parties involved. Once again these new incorrect items are on my credit reports and my credit has taken another hit. 

I believe that there is something wrong with how XXXX XXXX are conducting their billing and collection efforts. Three separate XXXX XXXX, all billing when I was inpatient, all had the wrong policy and collection information. What makes this especially suspicious is that since I was inpatient, all providers should have gotten billing information from the information given at the time of admission. During my three hospitalization ALL OTHER PROVIDERS got the correct information that was sent to the insurance company. Because I am XXXX XXXX, at least 90 % of the bills would have been paid in full because I almost always reached my out of pocket maximum in the first quarter of the year. 
Please let me know what needs to be done to rectify this situation.
Consumer complaint received 2024-09-13
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. (KY)

I am submitting this second-round dispute regarding XXXX ( XXXX ) late payments reported by XXXX Number XXXX that remain unverified on my credit report, despite my initial dispute on XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), creditors are required to verify the accuracy of information within 30 days. As of today, no such verification has been provided, making the continued reporting of these late payments a violation of the FCRA. I request the immediate removal of these unverified late payments from my credit report under FCRA 611 ( a ) ( 5 ), which mandates that unverifiable information be deleted. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX. XXXX XXXX