davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WV)

XX/XX/XXXX - Received letter from Freedom Mortgage stating that they are unable to determine the property tax amount and it was my responsibility as the homeowner to obtain this information. 

XX/XX/XXXX - I contacted the Assessor of XXXX XXXX XXXX and learned that taxes are due once a year but can be paid in XXXX installments. The tax bill for XXXX will be sent around XX/XX/XXXX and will be approximately {$2100.00}. I relayed this to Freedom Mortgage via a phone call. 
XX/XX/XXXX - I received an Escrow Account Disclosure Statement showing tax lines updated to pay a tax bill totaling XXXX ( {$410.00} due XX/XX/XXXX and XX/XX/XXXX ). These adjustments increased my monthly payment by approximately XXXX XXXXXXXXmonth. 
XX/XX/XXXX - Upon receipt I called Freedom Mortgage and reviewed with them again the information from the Tax Assessors office. I was told a research ticket would be opened to investigate. 
XX/XX/XXXX - I got a phone call from Freedom Mortgage stating they could not make the changes I requested since this was new construction and a parcel ID had not been applied. I was asked to call the Tax Assessors office again and relayed to Freedom Mortgage what I had previously been told. 
XX/XX/XXXX - I receive another letter from Freedom Mortgage stating that they are unable to determine the property tax amount and it was my responsibility as the homeowner to obtain this information. I obtained a letter from XXXX XXXX Tax Assessor with the facts that I had been relaying. 
XX/XX/XXXX - I called Freedom Mortgage again, and emailed the letter to them. I was told that the tax lines would be updated and escrow analysis will be run. 
XX/XX/XXXX - I received an email from Freedom Mortgage that the tax lines were confirmed at {$4100.00}, despite the letter I sent from the Tax Assessor on XXXX different occasions. 
My husband and I will make the revised and incorrect XX/XX/XXXX mortgage payment to avoid delinquency but this violates RESPA that they couldn't resolve this in XXXX months time, especially given that I provided them with the information that they needed.

I don't understand how I can provide them the details that they ask me for, and they don't make the adjustments. My tax bill will go up to around {$4100.00} in XX/XX/XXXX, but that is the TOTAL bill, not paid twice/year.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been a issue that ive addressed before an no action was taken. looking over all of the items in question to delete they are invalid on all 3 credit reports. please review an remove the items in questions to clear an correct my credit report asap.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX Responded on XX/XX/XXXX via Complaint # XXXX which I submitted on XX/XX/XXXX via CFPB Portal . 
Again this debt is not MINE!! 
Your company did not send me the initial letter as you stated which is the first violation of many Section 1006.34. I requested PROOF and yousent me NOTHING!!!!!! 
I am now submitting that my income is XXXX and I will attest to this that I have not worked at all in the past 60 days. I am insolvent .The only aid I receive is via Medical Assistance from the State of Penna . XXXX cash from any agency on any level. 
You have worsened my condition over the last 30 days! I will not be discussing finances anymore with your agency that I do not have. You have a littany of FCRA and FDCPA violations and I will complain how I have been treated for such a very long period of time and I will complain to whoever will listen and provide the News Media, Attorney G, FTC and anyone else who will listen with this large stack of paperwork that I have attained due to your companys egregious behavior, if you do not remove this information. I was admitted into XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX at its inception in this area. 
I am not able to function at all physically or mentally the way I did before my illness. XXXX is making things much worse now. 

XXXX XXXX XXXX.
Consumer complaint received 2022-11-24
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* have 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 an account without my written instructions.
Consumer complaint received 2022-10-24
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. (AL)

According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD XXXX  CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for XXXX thing. Lastly, I have reported over XXXX times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my experian credit report that only shows XXXX hard inquires but I have XXXX and XXXX inquiries on XXXX and trans union. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the XXXX inquires that are on my trans union and XXXX all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX  credit report I will be looking into an attorney soon.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report .I am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : CLOSED ACCOUNT WITH NAME XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4days from the date of the receipt of this notice .I look forward to your response. 

Thank you
Consumer complaint received 2023-09-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I receive American Express gift cards from my boss as a holiday gift every year and I don't know what happened, but this year it became problematic to use the card. I've searched and searched online for an answer on what I could be doing wrong and it seems like a lot of other people are facing this issue and I've read its mostly due to fraud protection. This feels like a great problem for American Express because now they have an added income stream of essentially free money. Most people aren't going to complain to whoever gave them the gift and instead will just never use it. What really saddens me is that I will probably be receiving another large gift card in a few months and it will be unusable. This almost feels like a class action lawsuit is brewing.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my file. ive noticed all information in question is invalid on all XXXX credit files. I have disputes these items multiple times an no action has been taken. please review an remove the items in question to correct my credit report. none of the data is valid. delete an remove all items requested asap.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NE)

I have tried on several occasions to have a fraud alert permanently removed from my credit file. And each time that I send a letter or I try to call someone at their one 800 number I am met with nothing. I am beyond fed up with this, and I am tired of spending money to send certified mail letters to them, and they fall on deaf ears. I have also attempted to use the self help portal to remove it from my credit report and it does nothing.
Consumer complaint received 2017-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I went to pay my mortgage thru XXXX XXXX like i usually do and was told that XXXX XXXX could not accept my payment and that i needed to call my mortgage company to find out why.So i call NationStar and they told me my mortgage was raised because my city taxes went up.I informed them that i had not received anything saying my monthly mortgage payment had went up and that my taxes had not went up. But was told i had to pay almost 300.00 more than my usual payment. I then asked if i could pay the {$1000.00} right then and get the rest and pay that later and was told i could make my full {$1400.00} payment on line if i got it before midnight.but when i tried to make it online I wasnt allowed and the next morning when i called they told me it was a new month which put me 3 payments behind and i had to pay 3 payments to catch up or id go into foreclosure
Consumer complaint received 2024-04-02
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. (CA)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have diligently followed the dispute process for fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 
List of Disputed Accounts : XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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. (PA)

I noticed unauthorized inquiries from : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX,
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (TX)

Speedy Cash previously sold a debt to XXXX XXXX XXXX. I paid the account in full and XXXX XXXX XXXX sent me a paid in full letter. Now, XXXX XXXX XXXX is trying to collect a debt that was already paid in full. Additionally, XXXX XXXX XXXX illegally re-aged the date changing the account open date to XX/XX/2023. I demand the account be deleted from my credit file. Please see the attached pay in full letter for Speedy CashXXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX Subject : Dispute of Reinserted Credit Information - Account No. : 1. XXXX XXXX XXXX  XXXX | XXXX XXXX 2. XXXX XXXX XXXX XXXX | XXXX I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. The referenced account with XXXX XXXX XXXX  XXXX and account numbers XXXX  XXXX & XXXX has become the subject of a dispute. 
On XX/XX/XXXX, I initiated a dispute regarding the aforementioned account. Subsequently, my credit report, dated XX/XX/XXXX, confirmed the successful removal of this item from my credit file, report number XXXX. To my dismay, I have recently discovered that this same item has been reinserted onto my credit report. I never received a physical copy of the details of the investigation or details of why it was reinserted. 
I wish to draw your attention to the requirements outlined in the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], which governs the reinsertion of previously deleted material. It stipulates the following : * Certification of accuracy : Information can not be reinserted unless the furnisher certifies its completeness and accuracy. 
* Notification to the consumer : In the event of reinsertion, the consumer reporting agency must inform the consumer in writing within 5 business days and provide additional details, including : * A statement confirming the disputed information 's reinsertion. 
* The business name, address, and telephone number of any furnisher of information involved. 
* Notice of the consumer 's right to add a statement to the consumer 's file to dispute accuracy or completeness. 
Regrettably, I have not received any such notification as required by the FCRA. This constitutes a serious violation of the act, and I must insist on my rights to pursue further action. To resolve this matter amicably, I kindly request that your company promptly removes this listing from my credit report. 
I trust that you will handle this matter with the utmost urgency and compliance with the FCRA. Failure to do so may necessitate further legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
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: Affirm Holdings, Inc (PA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Per violation of the FDCPA, which stipulates that I am entitled to {$1000.00}, they have manifestly infringed upon my legal rights. 

I hereby request that this organization remove this account from all XXXX  credit reporting agencies and provide compensation for the infractions. Failure to do so will force me to escalate this matter to my XXXX  attorney, who has informed me that the absence of a " consumer disputes '' entry on my credit report constitutes a breach under which I may file a lawsuit against them.
Consumer complaint received 2023-09-11
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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. (MA)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Telerecovery Corporation (LA)

Telerecovery contacted me about several hospital bills. I asked for them to send me a itemized bill and the specific dates. They explained to me that they didnt have an itemized bill just a amount was submitted by a physician. I didnt feel comfortable paying for something without proof. I go on to tell representatives that without proof, I wont pay them over the phone. The representatives began to say how legal action will be taking against me. But they can lower the amount owed if I agreed to pay them today.
Consumer complaint received 2023-06-13
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.