davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CT)

I tried to open an acct online and I have to agree to this term ( which I do not agree nor want ) Consumer Report Authorization By choosing " Next, '' you authorize us to obtain consumer reports that we may use when considering your application ( your credit score will not be impacted ). You also authorize us to obtain subsequent consumer reports and any other information about you in connection with 1 ) the administration, review or collection of your account and 2 ) offers of enhanced or additional products and services or for other legitimate purposes associated with your account.

Check this box if your information is correct.

I didn't check the box because I will not like my credit to be pull now or ever unless I am looking for lending products. I called the office in XXXXXXXX XXXX and I was told even if I come to an office, they can't bypass the option. not quite sure why and why is it necessary to just open a checking and savings ( not even debit card since I do not want one either ). I will like someone to look into this and see why is it necessary if i am not getting a lending product and even if I decide on a lending product why would they do subsequence pulls of my credit? 

Please help me figure this out since the employees do not seem to have an answer or way to bypass. 

thanks XXXX
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (NY)

The mortgage company applied each payment for the year 2023 to the month prior. XXXX apliedto XXXX, XXXX applied to XXXX, and so on. The company refuses to adjust heir records after 3 months of correspondence and after I sent in a breakdown of each month payment was made with dates.
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Date of a Collection XX/XX/XXXX Original Debt Collection-XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-12-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I have been receiving debt collection notices by email for a few months all of the sudden. I have never heard of this company before and they claim I owe them {$130.00} on a lease. I have never had a lease with this company called XXXX XXXX. So I looked it up and it is a property that my mom and I APPLIED to almost 3 years ago, whose name has been changed since then, and whom claimed we owed them application fees when we had proof that it was paid! We went back and forth with them for weeks about this and, finally, they stopped. Now, years later, I get this fraudulent collection notice. I can not dispute it with the collection agency as they require me to provide them with a unit number that my " lease '' was under but I never lived here. We applied only and ended up getting a house instead. I also have no bills that were in my name at the time of this for proof of residence as I had just moved back to NC and lived with my mom at the address these people have listed on the collection notice. They also want a copy of my DL, which I am not giving them, as well as a copy of a police report, which I don't have because up until XXXX months ago, I was under the impression that this situation was resolved as we don't owe these people a dime! I will have to attempt to find the former name of this leasing company, then search through all of my emails for the last 4 years, and hope that the old ones didn't get auto deleted from my inbox showing that the payment for the application fees went thru as well as all the emails we had with this leasing company when they tried to take the paid leasing fees out of my bank account, fraudulently, multiple times after they were paid originally.
Consumer complaint received 2023-09-18
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-15
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. (GA)

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 2017-05-03
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. (AZ)

There is account appear on my report without my understanding.    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX
Consumer complaint received 2022-11-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (HI)

My mortgage was sold from XXXX XXXX XXXX XXXX to Freedom Mortgage. 

I believe the transferal of mortgage information including my insurance coverage either wasn't transferred correctly or Freedom Mortgage mishandled the documentation. 
They sent me several letters over the past few months telling me that I am not sufficiently insured for wind damage. And threatened to buy costly insurance in place using funds from my escrow account until I could prove my insurance. 
I responded to the letter via a website provided on the letter where I could upload my insurance information as well as faxed the number on the letter. That was on XX/XX/XXXX. 
Again around XX/XX/XXXX I received a final notice letter telling me I still don't have sufficient coverage. 
I called Freedom Mortgage on XX/XX/XXXX and talked to an insurance rep. She gave me an email to send her the document. She viewed it and said it was the document she needed and that it would be uploaded to my loan. I asked her if there was any chance that I was too late or that I could be charged for the wind insurance through Freedom Mortgage 's insurance affiliate, she said absolutely not and that inquiry would be closed and I would next receive a letter stating so. 

Today I checked my mail XX/XX/XXXX and have a letter dated from XX/XX/XXXX telling me that Freedom Mortgage purchased insurance from me through their affiliate and charged my escrow account {$370.00}.
Consumer complaint received 2023-12-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

During the COVID-19 Pandemic In XX/XX/2020 I notified XXXX XXXXXXXX XXXX XXXX XXXXXXXX that I would be vacating the property. I emailed a 60 day noticed to vacate to the property manger as well as dropped a copy of the letter in the office drop box. Because of the Pandemic the apartment office was closed, as well as much of the world was placed on quarantine. I vacated the property before XX/XX/2020. In XXXX of XXXX I was received a phone call from a new property manager regarding past due rental charges for XXXX and XXXX. I informed the manager that I no longer lived there, and that the previous managers were notified. The new manager stated that she had no knowledge that I had vacated the premises, she could not find the hard copy of my notice. I informed her the letter was also emailed. 
After checking the property manager email she found a copy of my letter. But I was told that emailed notices were not acceptable, and I needed to pay the charges accrued. I tried to resolve the issue unsuccessfully. XXXX XXXX XXXX XXXX XXXX sold this fraudulent debt to a debt collector, Columbia debt recovery LLC DBA Genesis, who has reported these fraudulent charges to the credit bureaus. I was contacted by debt collection agency requesting payment of {$3600.00}. I tried to dispute the charges, and informed the debt collection agency that the charges were fraudulent. They informed me that the debt was purchased from the XXXXXXXX XXXX XXXX  and was considered accurate. My credit report and credit score has been damaged due to The Covid-19 pandemic, causing an abrupt global quarantine, an unprecedented event which ultimately resulted in this error.
Consumer complaint received 2024-04-12
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)

There are inaccurate items on my credit report which I have notified you now many times. I keep being disregarded by you which is just causing me unnecessary stress over this. I am going to be sending a copy of this to the cfpb ombudsman as well because this is just beyond negligence at this point.
Consumer complaint received 2024-04-12
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Social Security Number has been compromised, and someone fraudulently applied for a credit card with Capital One using my identity. The account numbers are : Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX However, the provided date of birth is incorrect ; my actual date of birth is XXXX. 
Additionally, I wasn't present in the USA at the time of the application, as I lived in XXXX until XX/XX/XXXX. I have my XXXX XXXX ( I-XXXX  Form ) that states the date I arrived to the XXXX. ( find it attached ) I didnt have following addresses mentioned in the XXXX Credit Report ( under the reference number XXXX ) and XXXX Credit Report ( File Number : XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never had any of these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX After conducting an investigation, Capital One claimed it wasn't fraudulent and held me accountable for the {$8300.00} amount. They closed this case with reference number XXXX. Despite submitting evidence such as a copy of my driver 's license, proof of residency, and a copy of my SSN, I believe Capital One disregarded these documents. 

PLEASE, NOTE! 
I WAS BORN ON XX/XX/XXXX ( PLEASE SEE MY FLORIDA DRIVER 'S LICENSE ATTACHED ) AND THE SCAMMER WHO USED MY NAME AND SSN HAS XXXX, XXXX XXXX ON THE FILE
Consumer complaint received 2024-04-11
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. (TX)

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (NY)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

I currently have an active Business Account with Discover Business ending in XXXX with a XXXX limit. Several years ago I successfully settled out of court for an undisclosed amount with Discover Business Card because they refused to comply with the FCRA regarding fraudulent transactions that were made to my account. After receiving the payment from Discover Card the agreement was that they were going to remove all fraudulent transactions and reissue a new account number. Yesterday when I spoke with a representative at Discover she advised me that the new account would be mailed expedited. Today when I spoke with the fraud department I was told that the account was closed. This is not true because several people at Discover advised me that I have XXXX available for use with a XXXX balance.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NY)

Discover imposed interest expense in a way put its customers to incur more charges than necessary. The practice is also inconsistent with another credit card that I have. 

In the attached XXXX statement shows that I have paid {$1400.00} of the total {$1400.00} of the total balance, leaving an outstanding balance of {$14.00} supposedly. I have also attached the XXXX statement showing there are no outstanding balance prior to XXXX. 

However, in the XXXX statement, I was charged with an interest expense of {$44.00} based on a balance of {$1800.00} and not that {$14.00}, apparently new purchase amount that supposedly entitled to a 30-day interest free period are somehow not qualified and subject to interest charges. Again, I paid {$1800.00} of the total {$2000.00} during the period, leaving a balance of {$160.00} supposedly. 

In the XXXX statement, despite after fully pay off the any outstanding balance, I still incur an interest amount of {$9.00} based on the balance of {$370.00}, not {$160.00}. The explanation I received is that interest accrue on a daily basis based on the balance until it's paid off. However, to an ordinary person like me, I wouldn't know how Discover would consider " balance subject to interest rate '' is determined
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (IL)

Despite the previous written request, the unverified items 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 are 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 DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide 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. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of the Deleted item after XXXX did the same investigation. 
XXXX XXXXXXXX Bankruptcy : Bankruptcy Reference Number : XXXX This inaccurate information only shows up on TransUnion file In compliance with the Fair Credit Reporting Agency ( FCRA ), I request that you investigate this matter and update my credit report accordingly. If your investigation validates the listing, please provide me with an explanation. if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation. If your investigation shows this listing to be erroneous, please update my credit report and send me a copy of my updated credit report.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

This complaint is for a knowingly false statement made by XXXX XXXX - Customer Relations Specialist for RightPath Servicing. 
XXXX XXXX falsely represented the insurance coverage, or lack of, as described in the borrower provided master policy proof of insurance. RightPath Servicing has initiated foreclosure based on this false claim. I have provided a side by side comparison of the HOA master policy insurance coverage provided by the borrower and a copy of the HO6 insurance, LPI, purchased by the lender/servicer. As you can see, the HOA master policy exceeds the coverage purchased by the servicer in the form of an HO6 policy.