davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (CO)

I filed for probate back in XXXX after my mom passed away. I was awarded the personal representative, executor of the estate ( copy attached ) from the courts. I provided that with my moms death certificate ( copy attached ) to freedom mortgage more than once. With those forms I should have been able to assume the loan to do a loan modification or several other options. Freedom mortgage refuses to accept them even when provided by the courts. They have been providing false info and sending me on impossible tasks to delay me and deny my rights to the property, in order to be thesuccessor of interest which according to them will allow me to assume the loan and look into my options from there. They now want a court order transferring the deed to me, even when Im the heir and executor of the estate. On a document they are requesting I found one dated to the original sale date it lists freedom mortgage as the successor ( copy attached ) So they are asking for a form that they have the rights to, making it impossible for me to get. Because of this they are not letting me take over the loan which would give me access to different covid programs and emergency funds to prevent foreclosure. Ive been trying for several years and they are still denying me my rights to my mothers home. I have been trying to work with them with no luck, now I have a foreclosure date of XX/XX/XXXX, which is in 3 days from now. From the false info and denying my rights to the home they have put in a bid already for the auction for {$150000.00} less than its worth. Also have investors that just happen to know people at freedom mortgage knocking on my door trying to scare me and force me to take a cash offer for under $ XXXX. I was trying to rent the residence so I could have income coming in on the property and allow me to look into more real estate. Now Im just a couple days away from the auction and looking at loosing the {$150000.00} in equity thats in the home where Ive been living for the passed 8 years. Living here prior to my mom passing, so this is my home and they are XXXX theyre way to kick me out so they can profit from the false info and denying me my rights to the home.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the XXXX XXXX XXXX ( A ) ( XXXX ) XXXX XXXX XXXX XXXX ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section XXXX ( A ) XXXX XXXX XXXX XXXX ( XXXX ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section XXXX XXXX XXXX XXXX ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (SC)

My credit card credit limit was decreased by the company ( Comenity Bank ). This credit limit was conducted without a prior written " adverse action notice '' via postage mail or digital message via my online account portal with the company. I have attached a screenshot of my online message center account for confirmation. Before my account was decreased, it was in good standing and I had no past due payments listed on the account. I was paying the account on-time and was not late. The account was not delinquent or in a financially mishandled status. Truthfully speaking, I rarely used the card as you can reference from the last 2 months of credit card statements that I attached. Before my account was decreased, I had an available credit limit of {$810.00}, an account balance of {$1500.00}, the credit limit was {$2600.00}, and I had a minimum payment due of {$58.00}. When Comenity Bank involuntarily decreased my credit limit, it revised my account to reflect as follows : Available Credit : - {$84.00} Account Balance : {$1700.00} Revised Credit Limit : {$1700.00} Minimum Payment Due : {$58.00} According to the CFPB website in reference to credit card companies increasing and decreasing limits : " If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit and if you havent opted into the payment of over-the-limit transactions. 

In most instances, the card issuer must give you a adverse action notice when it makes certain unfavorable changes to your account, such as lowering your credit limit, or when it terminates your account. This notice should either provide specific reasons for the action taken or allow you to request a statement of specific reasons. These notices discourage discrimination and they help you learn the reasons for the decisions. '' When I made contact with Comenity Bank concerning my account, the representative advised me that there was " nothing that she could do '' to assist with my account status and recommended that I request a credit limit increase or reapply for another card. This is not what I wanted to do being that I did nothing to warrant a credit limit decrease in the first place. My account was in good standing with them at the time of this action. They did not send me prior written notice via postage or email concerning the credit limit decrease. As you investigate my bank statements you will see that I did not have any past due amounts on the account to warrant such an action. Once again, my account was current. Please investigate this matter.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance to the Fair Credit Reporting XXXX XXXX Account XXXX XXXX balance {$640.00}, XXXX XXXX XXXX XXXX Balance {$170.00}, XXXX XXXX XXXX Balance {$7600.00}, # XXXX  XXXX XXXX XXXX # Balance {$4000.00} XXXX XXXX XXXX XXXXBalance {$3500.00} XXXX Federal # XXXX Balance {$11000.00} has violated my rights. 
XXXX - XXXX SXXXX XXXX XXXX Balance {$5500.00} XXXX XXXX XXXX  Balance {$8200.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. 

I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 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 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (FL)

This old sprint account was placed in collections back in XXXX. Was removed from my credit report last year XXXX. Now it is placed back in collections for some odd reason in XXXX. It should stay removed from my credit report based off the tenure. Called XXXX  which is now XXXX and they are no help. Submitted dispute with XXXX as well and it keeps getting denied. Company that has debt now is Jefferson capital system. Total amount {$2100.00}. Thank you!
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Redfin Corporation (VA)

I applied for a mortgage on redfin.com and on XX/XX/XXXX, I received an email that said I did not meet the minimum credit score criteria from a loan officer named XXXX XXXX XXXX XXXX. The company did pull my credit and I received an inquiry. I asked XXXX would I be getting an adverse action letter. She stated no and advised me to call the credit bureau. I advised her that per ECOA, REG B and RESPA I should receive an adverse action letter. She stated that because it was a preapproval, I would not get a letter. I advised her this is untrue however, the company refuses to provide the letter. I had to provide all financial documentation required for a complete 1003 and the company ran my credit. This is definitely an application.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

I received {$0.00} on the XXXX of XX/XX/2023 into my PayPal account, then on XXXX of XXXX, I was asked to provide some informations concerning the transactions which I provided everything cleanly. But they went ahead and initiated a closure on my PayPal account with no tangible reason on what my offence was. I tried reaching them to know what my offense was but they couldn't say anything meaningful. And I am very sure I didn't go against their policy.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OR)

us bank closed all our accounts earlier this year. offering no explanation or reason. There was no nefarious bank activity in any of these accounts. This past tuesday when i calledXXXX XXXX the representative asked for account numbers, which I provided two of them. Then she asked for my ssn. Then she said that I had never had an account with us bank. I have also attempted to resolve this at the branch level with no success. A couple of branches were hostile and refused to look up any information on accounts for me. In short, I need to recoup around {$17000.00} from one of accounts that was unexpectedly closed, with not explanation, by us bank..
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX  Attn : Equifax security freeze team Please remove all fraud alerts and credit freezes from my Equifax credit report immediately. I am unable to obtain credit or view my Equifax credit report which is affecting my credit worthiness and the ability to establish new credit. Myself or creditors are unable to view my report. 

Please remove it immediately Thanks. 

Attached to this complaint is a copy of utility bill, drivers license and ssn card..
Consumer complaint received 2024-01-11
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: EQUIFAX, INC. (CA)

XXXX XXXX assigned collection authority over account # XXXX in the amount of {$1100.00} was terminated and per CRA policy must delete their reported collection in avoiding their demonstration of two collections on the same reported debts should any new debt collector ( ie : XXXX XXXX XXXX XXXX XXXX ) obtain collection authority and report to the CRA. Therefore, I dispute the continued reporting of the terminated, unpaid collection. 

Pursuant to XXXX XXXX XXXX, I owe no debt. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are violating my consumer right to privacy pursuant to 15 USC 1681 b 2. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-01-10
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. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

I have reached out to Experian regarding a collection that is reported on my credit profile by XXXX XXXX XXXX. I have asked Experian many times to properly investigate/validate this collection because I do not recall signing a contract for the services neither did I sign a contract with XXXX XXXX  XXXX establishing an agreement to pay them anything. I've asked Experian to provide me with an original contract that I signed for the services that were allegedly provided and/or an original contract between me and the collection agency ( XXXX XXXX XXXX ). In order for anything to be reported on my credit report, I have to give my permission. Usually this is done when a contract is signed. Therefore, I asked Experian to provide proof that I gave permission for XXXX XXXX XXXX to report anything on my credit profile. Experian is reporting damaging information on my credit report without my permission.
Consumer complaint received 2023-08-09
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. (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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX 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 2023-04-27
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: I.C. System, Inc. (TX)

I was in the process of purchasing a home and when my report was pulled and saw alot of information that was inaccurate. Complete defamation of my character. According to 15 U.S.C 1681 there shouldnt be any damages on my credit report.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I do not recognize these credit inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.!
Consumer complaint received 2024-05-17
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

On XX/XX/XXXX I attempted to deposite XXXX which was XXXX XXXX and XXXX XXXX into a XXXX XXXX  ATM located at XXXX XXXX XXXX XXXX pa XXXX to go into my USAA bank account. An error message came up and said transaction error but the money was never released from the ATM or deposited into my account. No receipt was given, the transaction seemed to have canceled but my money was not returned. I have reached out to XXXX XXXX as well as trying to file a dispute with my bank USAA. My dispute with my bank was denied stating I had to reach out to the owner or the ATM ... XXXX stated they couldn't help I needed to reach out to my bank.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2024-01-09
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. (PA)

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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am submitting this complaint to Equifax. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, n item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions. 
CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also have a FTC report that was submitted to Equifax and clearly disregarded. Please remove all inquiries and accounts listed Also, Equifax took more than 30 days to complete my investigation XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have tried to reach out to these companies to let them know that i do not owe them, but i am unable to get anything processed. I do not have any payment arrangement with these collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX