davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXXXXXX  Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Dear Sir/Madam : Account Reference : XXXX I have been a customer with your company starting early XXXX  and during that time, I want to express how pleased I have been with your customer service and also my gratefulness to have experience being serviced by Freedom Mortgage , it is great. I am writing to see if you would be willing to make a one-time " goodwill '' adjustment to your reporting to the three credit agencies. As I review my credit file, I have two late payments on the above referenced account, in which I am fully aware of. The months in which this has taken place are in the months XXXX and XXXX of XXXX. Since that time, your company has been so gracious to offer me a partial claim in which I was just made aware. This opportunity affords me time to inhale and exhale smoothly whilst catching up on all the bills around me as well as build a nest so that I never run into this problem ever again. 


Because of my exceptional payment history over the last few years, I am at your mercy and would like you to consider removing the negative payments from my credit reports. At the time of the late payments, we had just moved into our new home in XX/XX/XXXX and were getting adjusted to the new monthly bill schedule, as well as welcoming my XXXX boy into our lives, I had just returned back to work in effort to get back to our normal routines, I caught XXXX in XXXX and a domino effect my daughter and XXXX sons contracted the virus as well, which required me to take much more time off of work. As a single parent, I was left with the idea of juggling do I pay my mortgage or feed my family and also ensure that the utilities are maintained monthly. Due to this new variant, I have missed payments with my new loan as I wasn't near organized enough yet to have a savings plan in effect. I say this not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Freedom Mortgage is willing to work with me on erasing these marks from my credit reports. 

I am extremely excited and super eager to be a customer of yours, so much so that I am looking forward to refinance with new PMI rates as early as XX/XX/XXXX. I am hopeful to continue a long relationship with Freedom Mortgage. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Freedom Mortgage has been exceptional in our book so far and we highly recommend it to all of our friends and relatives. We hope that you will deeply consider this request and prove once again, why Freedom Mortgage is heads above the rest. I look forward to your reply. 


Thank you in anticipation. 


XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-20
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. (CA)

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, 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 2022-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (AR)

This is XXXX XXXX XXXX submitting this CFPB Complaint once again to dispute the information you report on my Credit file. Once again, I was a victim of identity theft and I never made the charges and transactions with you Company. Under the Fair Credit Reporting Act, I am requesting that you remove the information in my Credit File that you are reporting. I believe I never signed a single contract and your willful non compliance with the Federal regulation is a clear violation of a consumer rights. I am requesting to you to please remove the accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} ; that are appearing on my Credit File.
Consumer complaint received 2022-10-20
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. (LA)

in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc. (ID)

I have had multiple hits to my credit because these websites keep automatically applying for loans I never applied for. This XXXX needs to stop. It has happened 2 times in the last two months. XXXX and Lending Tree have both automatically applied for loans in my name that I never applied for. You guys need to get a handle on this XXXX. Comparing loans is not applying for a loan and I should not have these companies applying for anything.
Consumer complaint received 2022-10-20
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-09-05
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. (CA)

To whom it may concern, In accordance to the fair credit reporting act my right have been violated 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2. A consumer reporting agency can not furnish an account without my written consent 15 USC 1666B. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose I am requesting all late payments to be removed from my credit reports but especially late payment that is on my credit report regarding a late mortgage payment.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Dear Sir/Madam Subject : Formal Complaint Regarding Pending Debit/Hold on Transaction at BOA Bank I am writing to lodge a formal complaint regarding an issue with my account at BOA Bank. There is a transaction has been on hold for more than 3 months with a clear explanation, leaving me unable to access my funds. This situation has caused significant financial distress and inconvenience. 
Please find below the details of my situation : 1.Account Information : Account Number : XXXX Type of Account : Checking Incident Description : My friend transferred to me a sum of {$9400.00} in rent that I paid for him via wire on XXXX XXXX. After the bank confirmed it with my friend and me, it still doubted the transaction and asked me to wait. After I expressed that it was inconvenient for me, the bank still said that it might take more than a year to wait. 
2.Attempts to Resolve with the Bank : Following the discovery of the freeze, I visited my local BOA Bank branch more than 2 times to inquire about the issue. The staff has confirmed this transaction with my friend for details and got the proper answers.But the BOA bank still be suspicious for this transaction and they put this transaction on hold. They informed me that they are unsure about the duration of these processes, and the only thing I can do is wait for an update. 
3.Personal Impact : The inability to access my funds has hindered my ability to conduct daily transactions and address urgent financial obligations, causing undue hardship. I understand that banks may need to freeze transaction for various reasons, including fraud prevention. However, I believe as a responsible account holder, I am entitled to transparent information and fair treatment regarding my financial status. 
Sincerely, XXXX
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, 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. (AL)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent Inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any Inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of Inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-21
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. (CA)

According to 15 U.S. Code 1666b this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These reporting of these accounts are not related to any transactions related to the consumer.
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I applied for credit and was approved I was then asked to do Verication and passed both times and then the next day received a letter and let on my credit that the account was closed at banks request when I called they stated to me that It was close to High Risk Account But the crazy thing is that I have Never had any personal credit cards with SYNCB.
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have contacted politicians about this issue. No one wants to touch it because the national association XXXX XXXX is a big pac. 
I would like appraisers not to include real estate commissions and bank fees when they use sales comparables for determining the value of a house for sale that is then used for underwriting. Sales commissions and loan fees add XXXX value to a home. They are not a new roof for new sewer line, yet routinely 6 % of the amount shown as what a property sold for recently is included in the " value '' of a house. The appraisers are supposed to be independent of agents and mortgage brokers, but they often are members of XXXX. XXXX has a conflicting interest to keep their commissions included in the value of homes sold because it means real estate prices are driven up in those locales by six percent, more money for them. Since people buy and sell houses after only a few years, the appraised values of homes are being inflated by 12+ percent above market forces. I personally consider this price fixing. The Real estate roundtable lobbies for this issue to the extreme detriment of consumers. This issue is making the housing crisis worse. It may not seem like a lot but a house overvalued by 6 percent is {$30000.00} on a typical {$500000.00} home. That money should not be part of the appraised value. I'm home shopping and disgusted by this practice. It's industry standard so my complaint is against all appraisers, all mortgage lenders, and all real estate agents.
Consumer complaint received 2023-07-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

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 2018-06-18
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: Credit Karma (NE)

Credit Karma refuses to update information on credit file # XXXX and # XXXX We have 2 mortgages. The house mortgage is not listed since 2016 after Bankruptcy.

Main resident not included. Does not show active on Credit Karma. Why? Balance owing {$58000.00} XXXXXXXX XXXX XXXX also with XXXX XXXX XXXX a remodeling loan balance of {$9700.00} balance. STILL OWING ON BOTH LOANS AND CURRENT. PLEASE HELP
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TN)

15 U.S. Code 1681 c-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 identify theft, not later than 4 business days after the date 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 IMMEDIATELY!
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (TX)

Someone is using my maiden name with my social security number to open credit cards and lines of credit. I am very upset because I have worked so hard to get my credit score where its at, do not want my finances to be ruined by someone who is stealing my identity. 

I have placed a freeze on all credit bureaus to avoid any further damage.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. Many times I've contacted customer service about {$35.00} over draft fees coming out twice.

- I am a preferred account holder, I've only seen {$10.00} fees taken one time.

2. Not protecting my account after customer service stated they have set up proper precautions to prevent the account being accessed by outside entities, they have failed and have taken back the money that was owed to me because of fraudulent activity.

3. Money missing with XXXX explanation. Returned them taken back from me.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

Since XX/XX/2023, my payments have been accurately allocated and I have called numerous times every month, including today, to get a complete review of my account. 

I was told the request has been submitted, but I have not received a response on findings, and I am still incurring erroneous interest charges. 

I am not able to speak to supervisors as I am told they are not available and there is no callback option. 

I have put together the attached file based on my statements.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  amount {$880.00} XX/XX/. 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 suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-21
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. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Colony Brands, Inc. (GA)

I had fraudulent accounts added to my credit file. Ashro was one of them. Items were purchased. I contacted Ashro and sent them copies of police reports, etc. I even offered to pay the account if they would remove it which they agreed. I sent the letter and payment. The payment was cashed. The item has not been removed. Not only is this fraud but they did not keep their word and remove the account after I paid for it. This item is still showing up on XXXX. All other agencies have removed this account.
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Above company has reported a debt collection amount of {$840.00} to experian and other credit companies which has reduced my XXXX XXXX.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I disputed items inaccurate on my credit report. These debts that I disputed are not mine. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc. I argued that you need proof that someone owes a debt before you ruin their credit and their life by placing fraudulent debts/ accounts on their credit report. Their verification per them was name address, dob and statement showing charges. This is not proof of a debt owed the company said that they verified my name and address etc, so its considered valid. They explained that I could not dispute again with in two years unless I could provide some sort of additional information than what I already provided. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency to report this as valid debt.
Consumer complaint received 2022-10-19
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: Dovenmuehle Mortgage, Inc. (TX)

DOVENMUEHLE BANK that was a servicer for XXXX XXXX has reported two incorrect mortgage payments as of XX/XX/2021 and XX/XX/2021 showing that they were 30 and 60 days past due but the payments were made to XXXX XXXX directly and Dovenmuehle Bank was not aware of the payments and reported them late