davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (LA)

This is fraudulent! These companies are in violation of

18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. T
he reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX {$990.00}, XXXX {$80.00} XXXX XXXX XXXX  {$560.00}, XXXX {$3700.00}, XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$3700.00}, XXXX {$1800.00}, XXXX {$1100.00}, XXXX {$1000.00}, XXXX {$1200.00}, XXXX  {$620.00}, XXXX XXXX  {$1200.00}, XXXX {$15000.00}, XXXX XXXX {$9500.00}, XXXX XXXX {$810.00}, XXXX XXXX XXXX {$20000.00}, XXXX {$1500.00}
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MN)

freedom mortgage has been my finance since XXXX i was tax exempt then 100 % va XXXX. in XXXX i refi mortage XXXX 3.5 % XXXX yr fixed rate. in the years following they steadly raise my payment each year. as they pay for insur/tax. in escow. i had woodland mutual insurance the whole time up till XXXX was in wash state for 6 month helping fellow vet./ i came back in XX/XX/XXXX and care taker didnt keep up yard and house.so i have been here ever since.XXXX XXXX i refiled my exemption, XXXX/v.a/and freedom mortgage. never heard a word or letter or call on exemption.all the while mortgage was collecting escrow for ins./taxes.for all of XXXX for XXXX per year and never sending escrow back.still no reply and call from me in XXXX about it. nothing since. 
little info on another part to this for 2 years freedom has been calling to refi [ cause interest rate has climbed ] every time i say no stop calling im staying at 3.5 % XXXX different mort.would call from other freedoms offices. no ] well freedom is loosing badly with me being at rate in am. so i get a notice that my home owners insur is denying coverage for XXXX may.i get letter from freedom they are going to put a policy XXXX more expensive on me. to try and force me to refi my mort. 
i called atkin insur in atkin minn [ security state ] and thwy were told my freedom that the house was UNISURABLE and to cancel it. funny how the house was insured for 8 years with no problem and all of a sudden it's not any more. to add freedom has been holding years of escrow!!!! i will send all documents to cfpb when reqeusted
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified these account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (PA)

XX/XX/XXXX a purchase was made at Kay Jewelers. No one told me that if I didn't pay off my balance by the end of a 12 month promotion I would be charged full interest no matter how much I paid down. It was misleading and they maliciously held back information from a consumer. The information was not available to me until after I made the purchase. The agent on the phone stated that I was on 12 months deferred interested for that payment I made but not on the one in XXXX of XXXX. Doesn't make sense. 12 months is 12 months.
Consumer complaint received 2023-11-16
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Scam XX/XX/year> I had to call XXXX due to text for XXXX {$3100.00} card cancelled they attached my new card to XXXX XXXX.On XX/XX/year> a call from Wells Fargo phn # stating fraud dept stated someone was using XXXX XXXX  XXXX a XXXX XXXX XXXX XXXX Tx. Said not me ( wfb ) they are trying again. Wfb asked am I primary on apple. I said idk wfb said no worry we fix it. Wfb asked for passwd for XXXX XXXX I gave it. They are telling me what to do put myself/prim. Now I primary on app/pay. They say stopped a XXXX trying 2 come thru. r u getting text I say no. they state alerts must b turned off. i asked how to fix.they asked for password. Gave & verified last activity in act. Stated alerts off and will be fixed. XXXX calls from wfb to sharescreen to fix alert XXXX c info not mine not me nameAmount in checking not right.wfb XXXX to fake person. To c alert No alert came Did this 4x Hung up on called # back speak to fraud was told Wells Fargo was impersonated and I was scammed.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (MD)

I have a trust fund account that the government has been using it to create abbrtrations that I have not authorized my name has been used to create business accounts without my validation I have been denied access to these accounts to provide stability in my life I have been harassed electronically physically and mentally they have created unverified accounts using XXXX XXXX hacking my emails and using my name credit info to create LLC to gain access to these funds
Consumer complaint received 2024-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IL)

I have received stating that a lawsuit was filed against me by Navient on XX/XX/year> in the Illinois District Court for the amount of {$1900.00}. Navient does not allow me to enter my account and make payments. I would like to enter a payment plan of $ 45 monthly since I am currently working part-time.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for assistance from XXXX XXXX XXXX  and notified my mortgage company. While waiting for approval I asked the mortgage company for more time while waiting. The mortgage company sent a letter saying they would apply for a forbearance. After receiving the funds from Mortgage Relief the mortgage is now telling me that the forbearance is a program that puts my outstanding payments on the end of my loan and now I am considered current and sent the funds back to Mortgage Relief. 
I was never told that a forbearance would bring me current because that would automatically disqualify me from the Mortgage Relief program. I made several phone calls to the mortgage company to keep them informed of my progress.
Consumer complaint received 2024-02-15
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: Consumer Portfolio Services, Inc. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

American express is charging me {$29.00} a month in late fees. I asked if they were going to comply with the CFPB rule change to {$8.00} and they said they were not. They did so in writing in chat.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

This company has called my phone over XXXX times about a debit that I dont owe. I have never signed any type on contract with company. Amsher collection. I never received any form of validation letter, they are violating so many laws according to fdcpa rules and regulations. I asked for an itemized bill of my debit and I never received the bill. They are also leaving voicemails for my family members regarding this debit. They also are listed on my credit profile as my original debit collection. Which I dont understand if I dont even know who you are. I rev call before XXXX sometimes and after XXXX Ive tried to reach them about this matter only to be ignored and treated very rudely, this will be my last attempt before I seek legal action. According to fcra and fdcpa law XXXX ( XXXX ).
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc. (MA)

GM FINANCIAL Was sent a 1099C for this account Account number XXXX Account charged off. {$27000.00} written off. 
Account is closed on XXXX. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXIST!
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: College Foundation, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

we bought a R v it was financed with Bank of America, we found multiple violations in the contract with the dealership, so we choose to do a rescission of signature with the sale the was closed and charged off on XX/XX/XXXX by bank of America, Bank of America then withdrew {$30000.00} from our savings account we did not authorize, we received a letter XX/XX/XXXX stating you may not be aware but your recent payment was more then the scheduled payment, so we credited your account for the monthly installment payment ( s ) due, and applied the remaining amount to reduce your principal balance, if applicable.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third bank, the mortgage holder has said that they have requested 3 times that XXXX XXXX report my mortgage. XXXX XXXX has refused and when I talk to XXXX XXXX they say that Fifth Third is not supplying the information.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-08-29
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. ()

From XXXX XXXX social security number is XXXX my experian credit report has one negative item that's charged off from XXXX its a fraud account I filed a federal trade commission identity theft report on file normally experian will delete the account from my report right away
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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

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

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

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

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


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


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

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

Delete the late payments from my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update the XX/XX/year> to XX/XX/year>, late payment to paid as agreed
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: Opportunity Financial, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesXXXX, Experian, and XXXXregarding one of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report