davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have twice now disputed an account from XXXX XXXX XXXX. The account number they list is : XXXX They are reporting the address of the person where the debt was incurred as : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. 

I have never lived at that address.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have twice now disputed an account from XXXX XXXX XXXX. The account number they list is : XXXX They are reporting the address of the person where the debt was incurred as : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. 

I have never lived at that address.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO. (CT)

I have been attempting to remove PMI from my mortgage. In XXXX of 2023 I inquired about the process with my mortgage company, Freedom Mortgage. I was instructed that I was eligible to remove PMI from my mortgage as I had met the minimum requirement of 20 % equity in my home. I mailed out a check on XX/XX/XXXX to cover the BPO fee. The check was cashed in XXXX, but Freedom Mortgage did not remove PMI. After making several calls to their customer service I was assured that it would be removed starting XX/XX/XXXX. In XXXX I was sent a letter informing me my loan was being sold to XXXX XXXX. Freedom Mortgage intentionally did not begin the process of removing PMI as they knew the loan was being transferred. And now I have to restart the process with my new loan company, all while continuing to pay PMI in the interim.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-11-09
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. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I am writing to dispute the debt that is currently appearing on my credit report. According to my records, I do not owe this debt and it is not mine. 

I request that you provide me with proof of the alleged debt, including the name and contact information of the original creditor, the amount of the debt, and any documentation that you have to support your claim. I also request that you notify the credit reporting agencies that this debt is in dispute and request that it be removed from my credit report until the dispute is resolved.

If you are unable to provide me with proof of the debt, I request that you close the account and remove all negative information from my credit report. 

Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and I will not hesitate to take legal action if necessary to protect those rights. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (CA)

2 year service began XX/XX/XXXX Canceled XXXX XXXX XXXX XXXXXXXX Final month bill {$91.00} paid XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to return modem w/b sent XX/XX/XXXX ; received XX/XX/XXXX ; must be sent back within 30 days. 
XX/XX/XXXX Box w/modem-cords returned via XXXX drop off @ XXXX as directed. 

Beginning in May began receiving bill for more than twice my regular monthly bill ( {$210.00} ) with no explanation of what the amount represents from XXXX XXXX. 

Beginning in XXXX began receiving bill for more than twice my regular monthly bill ( {$210.00} ) with no explanation of what the amount represents from XXXX, XXXX XXXX XXXX ( debt collectors ). 

XX/XX/XXXX checked FICO score ; drop from XXXX to XXXX due to recent derogatory public record or collection filed
Consumer complaint received 2023-10-11
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: JPMORGAN CHASE & CO. (FL)

Hi, I was monitoring my credit report with XXXX, and I noticed on XX/XX/XXXX that JP Morgan Chase Bank are make 32 unauthorized and non requested credit inquries several times per month and monthly since XX/XX/XXXX under different names without any credit application. I called on Sunday and the associate named XXXX from XXXX XXXX told me that they are allowed to do that and they are not. I have a regular checking account without any credit line, I did not have any credit card with JPMCB and I did not applied all 32 occasions. I need an explanation about this credit discriminatry acts that harm my personal and professional life and it is intentionally. The credit inquiries are the following : under name JPMCBXXXX  there are the following inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with address XXXX XXXX XXXX XXXXXXXX XXXX XXXX tel XXXX. Under the name JPMCB XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX. Under the name JPMCB they inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX w/address XXXX XXXX XXXX XXXX DE XXXX tel. XXXX. Under JPMCB CARD inquired XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX. Under name JPMCB XXXX inquired on XX/XX/XXXX with address XXXX XXXX XXXX XXXX, DE XXXX, XXXX. I WOULD LIKE TO REQUEST THAT JPMCB XXXX, JPMCB, JPMCBXXXX, JPMCB CARD, JPMCB XXXX STOP MAKING NOT AUTHORIZED AND NOT REQUESTED DISCRIMINATORY INQUIRIES ON MY CREDIT REPORTS.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Services a XXXX old account that was payed off and closed in good standard was removed from my credit report XXXX XXXX & XXXX XXXXXXXX  and have affected my credit score tremendously. These remarks have caused me very offending harm with all credit bureaus on my report, dropping my credit score.
Consumer complaint received 2023-10-11
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CO)

I sent the following to XXXX . XXXX  ( Freedom Mortgage CEO ) by way of email this morning and sent to any and all emails that I could find on Freedom Mortgage 's website. Not sure if any of this will reach the individuals that have the power to correct this issue. 
=== Good morning XXXX XXXX XXXX, Hope you and your family are doing well. 

My name is XXXX XXXX XXXX. My wife is XXXX XXXX XXXX. 

The purpose of this email is to inform you that my wife and I are very unhappy with Freedom Mortgage. We have two of our properties with Freedom Mortgage. In the forty years that we have owned property, we have never been late with our payments. 

The reason we are so disappointed with Freedom Mortgage is because on XX/XX/2023 ( my XXXX XXXX XXXX ) my wife made the house payment on our XXXX  XXXX  ( Account # XXXX ) at XXXX Colorado Time . The payment was not credited by Freedom Mortgage until XX/XX/. 

Freedom Mortgage then reported that payment being " 30 days late '' on XXXX and XXXX and " 60 days late '' on XXXX on both XXXX and my credit reports. This is both disheartening and disappointing. Please see the attached for the detail. 

After eight phone calls to Freedom Mortgage, we are being told multiple stories as to why this has happened and Freedom Mortgage refuses to correct this error. 

We are reaching out to you to help us correct this error, Sir. 

XXXX and I are requesting is as follows .... 

Please remove the " 30 days late '' on both XXXX XXXX XXXX and XXXX XXXX XXXX on both XXXX and XXXX. Please remove the reported " 60 days late '' on XXXX on both XXXX XXXX XXXX and XXXX XXXX XXXX. 

Thank you in advance for your help on this matter. 

I had hoped that it would not have to come to this. However, I feel it necessary at this time to post the following on all platforms of social media. Once this matter has been corrected, then we will be more than happy to remove the following and replace it with a Raving Review of Freedom Mortgage. 

" I AM ONE VERY UNHAPPY CUSTOMER! My name is XXXX XXXX. On XX/XX/, my wife paid the house payment on one of our properties ( Account Ending in XXXX ) to Freedom Mortgage at XXXX MST. Unbeknownst to us, Freedom Mortgage ( who is on the XXXX XXXX ) did not credit that payment until XX/XX/. Freedom Mortgage then reported " 30 days late '' for the XX/XX/XXXX  payment on XXXX and XXXX and " 60 days late '' for the XXXX payment to XXXX. After multiple calls, Freedom Mortgages has given my wife and I multiple stories on why this has happened and refuses to correct this error. BUYER BEWARE : If you are considering utilizing Freedom Mortgage for your mortgage loan, we would strongly suggest that you shop elsewhere for your Mortgage needs. Freedom Mortgage can not be trusted. We will not be utilizing Freedom Mortgage in the future. '' Thank you for helping us to correct this issue. 

Kind regards, XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (IA)

I did a double deferment on XX/XX/XXXX since I had went to XXXX XXXX and I am a temp employee I do not get paid. They had an option for me to pay XXXX to do the double deferment. I was then told I would be caught up and would not have to make another payment til XX/XX/XXXX. We'll they never did the double deferment like I was told and slapped another late fee on and more interest. I called again last week and was told oh it's because they didn't take off the late fee. She said she fixed it. It still isn't fixed. This is the XXXX time since I have had this loan this happened. They need to fix this or I will seek legal action. They have hurt me with so much interest already. I need help I am super sick and this stress isn't helping.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 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 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

on XXXX i XXXX XXXX XXXX  applied for a CITIBANK XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX id number XXXX I was denied XX/XX/2023 and sent an affidavit on XX/XX/2023 with return receipt requested mail, demanding my credit decision be overturned due to my application being monetized, and the securities from of my application being deposited into their institution. Because they denied me access to my credit that was created with my application as a promise to pay. My application became my negotiable instrument which became my collateral and was deposited per 12 USC 1141 ( g ) ( 2 ) They are are violating the Equal Credit Opportunity Act and Securities Fraud Act under 18USC 1348, The law clearly states that all applications that are not returned must be approved. 15 USC 1691 ( a ) clearly states " it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction scation. Failure to comply is defined as adverse action against a consumer, which is illegal. '' I did also send an email and fax, i have not received anything back that stated they were going to approve it, i did send out another affidavit to get my credit card issued to me or i will be filing a lawsuit.
Consumer complaint received 2024-03-13
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. (NJ)

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes 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
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: State Collection Service, Inc. (KS)

Finally, on XX/XX/XXXX, XXXX XXXX XXXX issued a letter by postal mail and I received it on XX/XX/XXXX. It said that based on the information that I submitted with my application for financial assistance for my outstanding balance was reduced by 100 %. I had been granted full financial assistance with 100 % reduction on hospital bills. 

On XX/XX/XXXX, I received and email from XXXX XXXX, letting me know that an adverse action was reported on my credit report. After accessing the report, I found that STATE collection agency had reported this account as unpaid and and still outstanding. Immediately, I filed a dispute with XXXX and included documentation that should have proven the XXXX balance. However, STATE insists that their records are correct and the balance is still outstanding. 

On XX/XX/XXXX, I again checked my credit for a different reason and still saw that the negative collections mark from XXXX still existed on my report. Again, I disputed it with XXXX, this time including the letter that I had been sent from the hospital, proving my 100 % reduction for the balance. 

On XX/XX/XXXX, I received the results of the XX/XX/XXXX dispute, and again, XXXX maintains that the balance is still unpaid and outstanding. 

I do not know how to clear my name of this collection action. The bill has been reduced by XXXX XXXX XXXX. I will provide all documentation proving that fact.
Consumer complaint received 2017-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (NC)

Financial Data Systems Dates : XX/XX/17 {$64.00} XX/XX/2017 {$64.00} I pulled my Credit Report and notice a collection agency called Financial Data System. I have no idea why this company is collecting on a debt from XXXX XXXX who is also not the original clinic I went to for services. I have never been to XXXX XXXX and never signed a HIPPA form with them or and paperwork to validate this debt. I went to XXXX XXXX and signed a HIPPA form with them and did not give them permission to release my personal information or any services I received to this company. I have written all XXXX Credit Bureaus and asked this be removed off my credit report, because it a violation of HIPPA and to provide Validation of something I signed with Financial Data System or XXXX XXXX and the refuse to remove this collection. They always say it has been verified but not validated and never provides proof. I would like this removed of all 3 of my Credit reports.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-13
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. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-07-08
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act convergent account, # 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 has violated my rights. 
-15 U.S.C 1681 section 602. A. states I have the right to privacy.

-15 U.S.C 1681 section 604 A Section 2. also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a capital one quicksilver card, which I don't use too often. I did however have rewards credit of {$140.00}, in cash, not miles. Whenever I would try to use the card I would get an error saying it was declined. I went to the website and ensured the card was activated as I recently received a letter saying the account would be closed due to inactivity. I just today got a message the account has been closed and I am not longer able to get the {$140.00} credit as the account has been closed. I asked them to open the account again, as I have proof of trying to use it or to somehow redeem the $ I had on the card, but they declined to offer any type of help. 

Seems unfair to not offer anything for a to keep the account open so I can at least use the money I had on the card. I have text messages showing the card was declined, even though it was in good standing and a XXXX balance.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (MD)

I have a list with yall where I been providing information to all the loans companies and credit bureaus. I filed XXXX XXXX XXXX and navient and department of Education was included. XXXX I filed a XXXX XXXX and all loans was discharged. Why are they still billing me. Messing up my credit at the bureaus with wrong information. I wish someone look into this. How can I start a Class Action Lawsuit this is unacceptable all partied.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

In accordance with the fair credit reporting act this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Creditors are Global lending services as of XX/XX/2023. XXXX  as of XX/XX/2023. American profit recovery as of XX/XX/2023