davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (TX)

I am surviving spouse of 100 % permanently and totally XXXX XXXX who died from XXXX after 10 years. I quit my XXXX career to take care of him and our children during this time. I bought a home in 2021 and refinanced with IRRL from VA for XXXX interest rate. I was told by Freedom Mortgage for 1 year they would put COVID forbearance at the end of loan and I could resume previous payment when ready to come off. When the time came to end forbearance they said VA wouldn't let them which VA denied but said their was nothing they could do. Freedom Mortgage is charging me XXXX in fees for taking XXXX COVID forbearance which CARES Act states they can't do and during this time my property exemption went through and IRS sent me a check for XXXX from property taxes I had paid since I bought the home leaving XXXX for insurance. Freedom Mortgage wants me to pay that back too and refused to pay insurance so now the house isn't even insured. As a tax exempt property I don't have to have escrow with thousands of dollars sitting in it for taxes I don't even owe. They raised my mortgage from XXXX to XXXX and I only make XXXX a month of federally protected VA and SS benefits for my minor daughter and myself. I am currently working on getting license reinstated from the 10 years I stopped working to take care of my husband while he XXXX  from XXXX and our XXXX kids. I am searching for a company to do a forensic mortgage audit and a XXXX audit/report to track paperwork and follow any monies paid out throughout mortgage process. They all want XXXX upfront and am currently trying to get the money for that which CFPB states they aren't suppose to charge upfront fees but they all do. My XXXXXXXX XXXX renewal is on hold to learn everything I can about XXXX, consumer rights and foreclosure process. I know Freedom Mortgage is already pursued by CFPB for different violations. My mortgage should have decreased because of property exemption but doubled instead and ruined my credit so I may not even be able to rent an apartment not that I can even afford one now in XXXX, Texas with the sudden increase of people moving here. I was lied to and misled by about the forbearance and have literally lost all my hair from the stress of possibly being homeless and possibly not being able to get another XXXX  XXXX loan if this house is foreclosed on. I applied for Homeowners assistance Fund months ago but was denied because I missed the 5 day window they gave me in a missed email to update paperwork I had sent. They require a 30 day update every 30 days on all paperwork which wasn't disclosed in process of application so I didn't know. Funds have now run out as did the eligibility of XXXX allowing funds to be placed at back of loan like everyone else is still doing. I was not aware of that either when it ended. Any advice is greatly appreciated and thank you for your time.
Consumer complaint received 2023-04-23
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: Westlake Services, LLC (FL)

I'm XXXX XXXX XXXX XXXX XXXX XXXX and considered XXXX by The State of Florida. I purchased a brand new XXXX XXXXXXXX XXXX  and a tree fell on it during one of our storms in Florida. I was under XXXX warnings. I had full coverage, I purchased XXXX XXXX. It took the insurance company four months to close out the loan. As the car sat in the shop undrivable I was in touch with XXXX XXXX many times because they wanted payment for a car that was TOTALED. I repeated my story 100 times but they kept calling. The problem is when I call they refuse to email me the information or help me with my XXXX XXXX. Company policy that they can't email me. This is after me crying on the phone begging them to help me. 4 months and no car, all I needed was helping closing out my XXXX XXXX so they could receive payment. Instead they still call me asking for payment and then put it on my credit. I struggling to buy a car now due to this. It looks like I didn't pay my loan. When call I get I'm sorry I can't help you and they transfer me and I explain my hearing please dont tranfere me to another voice I might not hear, but they do. I have a XXXX XXXX XXXX XXXX XXXX XXXX so I'm XXXX XXXX XXXX XXXX XXXX. Instead of someone treating me like a human and going a step above they ruined my credit and this violates my ADA rights as well. I'm struggling and I begged and cried for help and repeated myself PLEASE document that I'm hearing impaired. They are always clueless when they call.
Consumer complaint received 2023-05-07
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: EQUIFAX, INC. (NY)

AS OF XX/XX/ I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  XXXX 8 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, 2023 Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX  Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A states I have a right to privacy.

15 USC 1681 Section 602A states also state a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Consumer complaint received 2023-04-23
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. (MO)

Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (IL)

I receive daily texts from radius global claiming I have a debt that needs to be paid but Ive never received written information about the debt. I do not believe I have any outstanding debt and my credit report does not show any debts in collection. So I believe this is a scam, can you please help me For reference, they are claiming I am responsible for case number XXXX Please have them proof of my debt Thanks!
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (MO)

Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a XXXX XXXX scam run by CapitalOne. 
They offer a 0 % for 12 month card. I have a credit score of XXXX and no late debts, with only 1 % of my credit in use. 
I applied for the card and was instantly denied. What followed was a lengthy ad for all of their other credit cards, with a promise to send me other options to select. 
The card I select had many benefits I can use - I did not apply for another card but they are trying to force them on me. They will send a letter explaining the denial in 7-10 days. 
It's a XXXX  scam XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

- This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (AK)

I owed the exchanged credit program a total of {$21.00} left on my account for my military star card. On XX/XX/2018 they withdrew {$900.00} from my XXXX for a {$21.00} payment. Ive called them multiple times to see why they did that and when they will refund me my money back. They insist on telling me they have no recieved this money yet clearly on my XXXX it shows that they took it and that they have received it. We are in XXXX no and I find it hard to believe they havent received this money.
Consumer complaint received 2017-09-21
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. (GA)

I have notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2024-03-20
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. (FL)

To whom it may concern, I am writing to you as I pulled my credit report and see that this was sold to a third party collection. 
A charge off is a certificate of indebtness which means it is income and must be removed. This is a violation of the privacy act of 1974. This account needs to be immediately removed and credit report updated.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

Ally Financial has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX of Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act XXXX the Account with the US Department Of Education, OPE ID XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXXXXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my XXXX  years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Request for Correction of Erroneous Reporting of Student Loan Accounts under FCRA Provisions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX concerning my student loan accounts. According to my records and supporting documentation, all ten of my student loan accounts were placed under forbearance as of XX/XX/2020. Despite this, each account was erroneously reported as 90 days late during the same period. 

I have already initiated a dispute with XXXX and provided them with the necessary documentation that confirms the forbearance status of these accounts. Unfortunately, XXXX has not rectified the inaccurate reporting, and this misinformation continues to be reflected in my credit reports by the major credit bureaus. 

The persistence of this incorrect information is causing significant financial distress, as it erroneously portrays my financial responsibility and hinders my ability to secure credit. This misreporting falsely indicates that I have ten seriously delinquent accounts, which is misleading and damages my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and correct or delete any inaccuracies found. 

Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers of information, like XXXX, XXXX provide accurate information to the credit bureaus and to correct any inaccuracies once identified. 

Given the clear discrepancies between XXXX reporting and the documented status of my accounts, I am requesting that the CFPB assist in ensuring these inaccuracies are corrected. Specifically, I ask for XXXX to cease the incorrect reporting and for the credit bureaus to remove the erroneous entries from my credit report immediately. 

I have attached the relevant documentation that supports my forbearance status during the time in question and am prepared to provide any further information required. 

Thank you for your attention to this matter and for your assistance in upholding the standards set forth by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Since I have not received response from all 3 credit bureaus, and my credit file indicated that the investigation was complete and reporting was accurate I have exercised my right under FCRA Section 611, part B, subsection ( iii ) and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) and have requested proof of the procedure of dispute. It's been more than 30 days since the last dispute and none of the credit bureaus have notified me of anything. They have also not provided me with an updated and accurate credit report. Please see attached letters that I have sent to the bureaus. Thank you.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Expert Credit Sweeps (GA)

Companys are misusing my credit report without my consent I believe they r stealing my information and selling to others I need theses items dispute and remove totally off my credit report under false information without any proof provided by me thats was unauthorized by me Like inquirys and any debt collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX " PAYMENT STATUS '' is inaccurate as it is showing 30 days late. 
In general, the Credit Bureaus are reporting XXXX late payments in my Credit Report, one on XX/XX/XXXX and another one on XXXX, XXXX, that are not accurate as I was never late.