davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-26
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. (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX XXXXXXXX XXXX that has been ignored.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (OR)

Freedom Mortgage Company assumed servicing our mortgage on or about XX/XX/XXXX. Our condominium on XXXX XXXX, Florida was destroyed by XXXX XXXX on XX/XX/XXXX. As one of the many consequences of this disaster XXXX XXXX Florida reduced our property taxes. As a consequence, the amount I paid to the escrow account should have been reduced. I spoke with a Freedom Mortgage person on XX/XX/XXXX and informed him that my taxes would be more than halved and asked for the balance of the escrow property tax to be returned to me and to decreased my property tax escrow. I was told I needed to wait until the taxes were paid out of escrow. I uploaded the XXXX XXXX Notice of Proposed taxes to Freedom Mortgage on XX/XX/XXXX. When the final XXXX XXXX tax determination issued I contacted Freedom to get a refund of my money which I was told would happen in early XX/XX/XXXX. This was untrue as Freedom did not pay my XXXX XXXX taxes until late XXXX. When I called in XXXX, I was told I would not get a refund of {$11000.00} for one year unless we closed our escrow account. On XX/XX/XXXX I sent a certified return receipt letter to Freedom Mortgage closing our escrow account because of Freedom 's manifest incompetence. ( attached ) I informed Freedom I would make no more escrow payment. In XXXX, I paid principal and interest of {$1800.00}. Freedom falsely asserted my account was past due because they were still charging me for the escrow amounts. In XXXX, Freedom misapplied my {$1800.00} principal and interest to what they wrongly said was a past due past. But they took {$1300.00} of my money and applied it to an escrow account we no longer had. The remaining {$450.00} is held as unapplied funds. Freedom refuses to properly applied my XXXX payment. Freedom continues to lie and say our account is past due. In an act of petty theft, Freedom is charging us late fees. ( attached ) I have spend hours on the phone with Customer Service. I have spoken to supervisors and gone through numbers with them. In XXXX a supervisor acknowledged the error and said she would sort it out. She never did. In early XXXX I spoke with a supervisor ID XXXX who promised a call back. Of course, Freedom never called me back. Instead Freedom sends out letters in which Freedom lies and says I have two past due payments and they they can not contact me. I am a XXXX XXXX XXXX XXXX and this is the most incompetent, dishonest mortgage company I have ever encountered. They employees have lied to me in every single communication they have had with me. They behave as a criminal organization. Their practices should be investigated.
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KY)

My Care Credit account through Synchony Bank purposely put me over my limit with no notice. I had a {$3000.00} limit and now they just randomly changed it to less than my balance which put me over my limit and in turn is hurting my credit score because now I am in the negative with the creditor. How can a bank make your credit limit less than the amount you owe? I make my monthly payments timely. This is an unfair practice. I might could understand if I did not make my payments on time but I do. My credit limit should not be less than the amount I owe. This makes no sense and is unfair to me as a consumer. 
I originally filed a complaint with FDIC after getting nowhere with a Care Credit/Synchrony representative and I have not heard anything from Care Credit. 
Thank you XXXX XXXX
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (CA)

Hi, I called Equifax to report that my credit score dropped by XXXX points, without any acceptable reason. My activities have effectively been unchanged, I maintained more or less the same balance on my credit cards, have not opened any new accounts with associated hard enquiries into my credits. 

Typically, my credit score ranges by +/- XXXX points - this is acceptable due to impacts with small changes with credit card balances etc. However, no explanation or reason for why the sudden drop by XXXX points between XXXX and XXXX of XXXX. I went over the details with both an associate and supervisor for Equifax on XX/XX/XXXX with call reference # XXXX. All they offered was to send my credit report to me- which I already had and was the basis for my making call to them. 

The only change I note over the year was my debt burden went down overall- but this should be a positive not a negative. As I have continuous and good credit history - no defaults, late payments etc.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a capital one credit card on XX/XX/XXXX and XX/XX/XXXX. Capital one denied me saying " they couldn't adequately get my report because it was frozen ''. My credit was frozen at the time. I then went to unfreeze it to reapply, however, before I reapplied they already put a hard inquiry on my report. I checked my credit score to see 2 hard inquiries one on the XXXX and one on the XXXX. I sent a letter to capital one to have it removed over 75 days ago but I have not heard back. Please have these reports removed, thank you.
Consumer complaint received 2023-12-26
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. (FL)

I am writing to follow up on my previous communication via CFPB regarding unauthorized inquiries that remain on my credit report. Despite assurances of an internal process for addressing such matters, the presence of these inquiries are causing me continued concern and frustration.

The unauthorized inquiries in question are associated with the following details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I received an alert through XXXX through XXXX that a credit card that has been open since XXXX  2023 was XXXX XXXX over the credit limit. It was issued from CBNA and Wayfair. I called Citi to open an investigation, yet they could not answer why a credit card was issued in my name and SSN, but with a different address, phone number, and driver 's license that what it's on my Citi profile, where I have a bank account. I don't know why an investigation could take XXXX  days and negatively affect my credit score in the mean time.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (OH)

Called discover department and they refused to Send me a 1099- C form which is a cancelation of debt this account is reporting monies own which would be inaccurate amount from charge off, THIS ACCOUNT IS SHOWING A " PAST DUE " OF XXXX XXXX dollars, of a charge off account I demand this inaccurate information reporting on my credit report according to THE FCRA STANDARDS OF 100 % accuracy of reporting please provide me with original purchase agreement with wet signature and last activity dates, when account opened and closed according to 15 use 1692 ( g ) debt validation PLEASE EXPLAIN TO ME HOW YOU ARE REPORTING A PAST DUE AMOUNT THATS WRITTEN OFF AS A CHARGE OFF IF THIS ACCOUNT IS REPORTING ACCURATELY THEN THIS BALANCE ISNT REPORTING WITH ACCURATELY IT " MUST BE DELETED
Consumer complaint received 2024-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (WA)

I do not know why or how I was being overcharged. That is why I am trying to determine from Well Fargo, but they repeatedly -- after phone calls and directly letter writing to them -- -yet they refuse to do so. I am also forwarding CFPB my latest letter to them as part of this complaint.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

I applied for XXXX last year and this year and payments during XXXX even if {$0.00} were supposed to count towards total payments made. I am in the XXXX XXXX and sent the application twice. Paper form and electronic. Still nothing forgiven or counted towards it.
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

In 2022 I took out a title loan at TitleMax, something I had done already before, but when I received the loan the man at the desk bragged in front of me and another customer that by the end of the week he would be driving around in our cars, besides that the man giving me the loan never disclosed any specifics of the loan he just told me to sign with an electronic pen without looking at the papers, ever since then I paid my balance each month {$300.00} never realizing that I was just paying interest and to refinance, not the principal, its been a year now and the only reason I fell behind on refinancing was because I lost my car and my job, they still have the title loan but will not repossess the vehicle, I do not have it due to a separate incident involving a mechanic but I gave TitleMax the address for him and now TitleMax keeps calling asking me for more money even though I already tried working it out with them
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (VA)

I have called and left voicemails XXXX separate days asking for my account to be unlocked so i can pay my billl before credit utilization continues to hurt my credit. They have not returned the calls despite saying they would on the machine. Have also messaged them on the app countless times about it to just be told I need to call and even had snippy agents tell me Ive been told to call before. But I literally have been the issue is nobody answers.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2024-06-29
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: SYNCHRONY FINANCIAL (VA)

Synchrony Bank, a XXXX associate has a debt against me. My credit was impacted negatively. I have been trying for months to link my bank account with no success. I always received error messages. There is no other way to pay, and is because of {$4.00}. I continue to receive error messages and paypal customer service is horrible. If I can link my bank account, I cant pay. I tried with XXXX different banks and it still gives me the same error messages. This is an issue on paypal and paypal alone. I want the negative items remove from my credit report.
Consumer complaint received 2024-05-17
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. (AL)

To delete hard inquires, old address, misspelled names, and provided proof of original contract that has been signed and agreed to because I don't have a contract or agreement with the companies, I have people getting mail in my name and contacting me about my personal information AND I DON '' T stay at the addresses they have listed they have sent a letter with my social security number and other personal information TO THE WRONG ADDRESS Remove accounts under these names - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never lived at these addresses you guys are merging incorrect information on me I have never worked at these places of employment
Consumer complaint received 2023-12-19
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. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy 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 2019-06-19
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2023-12-19
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the accuracy of the late payments appearing on my credit report. I believe that the late payments are an inaccurate representation of my payment history. 
I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any dispute of information on my credit report that I submit to you in writing. I am requesting that you remove the late payments, as I am asserting that the late payments are inaccurate according to section 1608 ( a ) of the FCRA. 
I am requesting that you immediately remove the late payments from my credit report. Update payment history to be paid as agreed and never late I need you to investigate the following account Account XXXX Company Name : XXXX  XXXX XXXX and XXXX  XXXX XXXX  XXXX XXXX XXXX I request you provide me with proof of alleged late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX XXXX XXXX. As well as for XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX if unable to provide or lacking proof of this payment being late. Update payment history to be paid as agreed and never late. Please provide a detailed description and procedure used in your process to determine complete accuracy. Once you have finished your investigation send me an updated credit report. To the address stated above I am writing to dispute the account referenced below. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agencies myself and have been unable to get them to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

The following accounts are to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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)

I looked at my Report XXXX XXXX XXXX shows Balance {$74.00}, I have no connection with this account. This shows up only on my Equifax report. I always try to reach out but no Response.
Consumer complaint received 2023-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX decided to check my credit report and saw that there were unauthorized inquiries on my behalf. According to FCRA legally these unverified & unauthorized items MUST be removed! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX