davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

Hello, I would like to file a formal complaint against Freedom Mortgage Corporation. They purchased my loan from XXXX in XX/XX/2022. I have had an extremely difficult time trying to pay my bill with them. Their computer system is difficult to use and it directs the customer to contact their help line by phone which I have done every single month. I was with XXXX for over 5 years and did not miss XXXX payment. Freedom Mortgage corporation reported me as late in paying even though I contacted them every month telling them I was trying to pay my bill and even paid once over the phone. I explained to them that I had an XXXX credit score because I like to pay my bills on time. I was repeatedly assured that the problem was resolved. I then received a notice from my credit reporting that I was delinquent on my mortgage after being repeatedly assured by the " help line '' that everything was fine. I have contacted them since and they have removed the delinquency. However, they continue to report me as late even though they are taking money out of my account. I have verified with my bank that they are indeed taking money out of my account and I can see the transactions online. I am beginning to think this is a scam that they use to charge people late fees. The public should be protected from a company like this with such lousy service. They should be barred from the mortgage industry! Again, I find it very interesting that I did not have a single problem or missed payment with XXXX in over 5 years and I have had nothing but headaches and been reported as late by Freedom Mortgage when I have tried to resolve this over and over without success. All I want to do is pay my bill on time every single month. My credit score reflects that I like to pay my bills on time! I will be contacting the Attorney General 's office as well. This is hands down the ABSOLUTE WORST company I have ever dealt with! Thank you for your help Best regards, XXXX
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (MI)

I previously reported a complaint via CFPB to Affirm Inc. regarding my account. There is a 30 day late mark on my credit report that I was told would be updated on my report to no longer reflect the 30 day mark due to miscommunication from their agents. I was told that the update would take 30 days to update on my report. Its been longer than 30 days. I want the late mark removed from my credit report as soon as possible. The previous complaint ID is XXXX.
Consumer complaint received 2020-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I was injured at work and had to be taken to hospital. This collection account is a workers compensation bill. My employer is responsible for this bill or account. My employer has taken care of the hospital and other medical bill of this injury, but has not taken care of this bill which is the ambulance ride to hospital. I have contacted all parties involved with the correct information. But collection are still going on in my name and Affecting my CREDIT. The amount is XXXX
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

On XXXX XXXX, XXXX, I filed for XXXX XXXX bankruptcy protection in the state of Kansas ( XXXX ). As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, Tennessee was XXXX. Due to changed financial conditions, my bankruptcy was converted to a Chapter 7 in XXXX and was XXXX as such. Despite being XXXX, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XXXX of XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter 7 has now lapsed.
Consumer complaint received 2020-02-23
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. (FL)

THE FOLLOWING ACCOUNTS ON MY CREDIT REPORTS ARE A RESULT OF IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH THE FTC AND THE POLICE IN XXXX FL. 


US BANKRUPTCY COURT XXXX/DEPT OF ED US DEPT OF ED DIRECT US DEPT OF ED DIRECT XXXX XXXX XXXX
Consumer complaint received 2015-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (NC)

Incurred debt to Identity. Contacted National Credit Systems. Person handling account was rude. Spoke with Supervisor she assured she would send me a Fraud Packet I never received it. Due to me needing to move paid the account on XXXX/XXXX/2015 and XXXX/XXXX/2015 and yet they fail to update my credit report. 

Even after a recent dispute in XX/XX/XXXX they are reporting it to XXXX for Residents, XXXX, XXXX and XXXX. I will be contatcting the property as well in regards to this matter.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I registered a fraud claim initiated on XX/XX/XXXX, included transactions for a total amount of {$340.00} as it was XXXX I could only go back XXXX year, with XXXX XXXX XXXXXXXX. 

The funds were returned to my account. 

Then, the following communication was send saying that all the funds were returned except {$100.00}. I called repeatedly and the answer was that XXXX XXXX XXXXXXXX sent a letter saying that I approved the purchases. I did not approve the purchases, nor did I get any letter. I asked for a copy of the letter and Bank of America said they had none : As a courtesy, we contacted XXXX XXXX XXXX on your behalf and were successful in gettinXXXX XXXX XXXX  XXXX to reimburse you for these transactions. 
On XX/XX/XXXX, Bank of America applied {$100.00} as a permanent credit to your account.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

My name is wrong and on the credit report. I only have one name : XXXX XXXX XXXX XXXX There is another name on the report. I called Equifax on XXXX to fix the report and they said they only have XXXX XXXX. I don't know why I have XXXX XXXX XXXX on my report. If this is XXXX XXXX XXXX report than I shouldn't any thing under XXXX XXXX XXXX from equifax on my credit report. I demand that XXXX XXXX XXXX be the only name on my credit report. I've attached my ID and Passport to prove my name and address.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AR)

Filed complaint XX/XX/2021 lettter addressed as follows as prescribed by American Express dba AMEX : American Express XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX : Failure to Perform Claim Notice : XXXX XXXX Preferred Card ending in XXXX Rewards We activated our XXXX cards, names XXXX and XXXX XXXX, in early XX/XX/2021. Weeks later we received Detail of Changes to Your Cardmember Agreement including 'Sending a Claim Notice ' pg. 6 of 11. 

We have made timely monthly payments for grocery purchases to AMEX but no Rewards have been applied. Monthly average over {$1000.00} a month. 

Still no response from AMEX. Monthly payments to AMEX since XX/XX/2021 nor response per their requirement to " complain '' filed nearly 2 months ago, i.e., since XX/XX/XXXX. We are now requesting assistance from the CFPB in XXXX DC.
Consumer complaint received 2017-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (WI)

XXXX XXXX XXXX is reporting over $ XXXX in debt on all three of my credit reports. I contact the company on XXXX XXXX to get validation of the 6 debts and never received said information. On XXXX XXXX, XXXX I sent another letter certified listing several items that I was looking for to validate the debts.In addition, I contacted both the original XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX to get clarity of the debts and they both said they did n't have any debts in my name and when I asked about my daughter they could n't find said information as well. State Collection Services sent me a itemized list of specific medical procedures and dollar amounts of said procedures that they list was supposed to have been preformed on my daughter when she was a minor. ( HIPPA Violation ) they never sent a signed copy of my alleged signature authorizing said procedures or agreeing to pay for these debts nor have the company provided something proving to me that they have permission to collect on said debt as the original creditors listed above states they never provided State Collection with debts nor my daughters personal information in which they have. I have never authorized a third party permission to look at nor receive personal information on my daughter nor myself.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (OH)

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 XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # 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 2024-03-27
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. (TX)

XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2020-02-23
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$9300.00}, {$12000.00}, {$18000.00}, {$28000.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and  the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9300.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2023-02-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX have not resolved my dispute issues. They are still reporting multiple inaccurate collections and accounts. Equifax has not added my current capital one accounts that they removed inaccurately. I had 3 credit accounts with capital one that equifax removed on purpose to mess up my credit. I have called to rectify this issue and the agent was impossible to work with. He would not answer any of my questions and refused to assist me. This issue has still not been resolved. They removed accounts in good standing and left an account that was inaccurate from XXXX XXXX on my credit. They also left several accounts from XXXX XXXX  on my account that were inaccurate. XXXX and Equifax are both reporting the number of collections and amounts inaccurately. Neither have done investigations to properly verify and validate the accuracy of these accounts. XXXX is the only credit report that is currently reporting accurately. They found these midland accounts to be inaccurate and have removed them from my reports. XXXX and Equifax, please be advised that each inaccuracy will cost you up to {$1000.00} per inaccuracy. If this is not fixed immediately, I expect to hire counsel and collect on these amounts from the both of you. XXXX is accurate, XXXX and Equifax are not reporting accurately and they are not conducting investigations of disputes properly, because if they were, these collections would have been removed like they were with XXXX, and Equifax would have never removed my three positive good standing accounts with XXXX XXXX.
Consumer complaint received 2023-04-05
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. 

XXXX XXXXXXXX XXXX  XXXX Balance {$0.00}
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Somebody stole my card it had my pin behind it and now a lot of transactions was made which it wasnt me at all I called the bank and let them know about it cause it wasnt me and now cause of them I cant open a new bank account.
Consumer complaint received 2024-06-12
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-05-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUTOMOTIVE CREDIT CORPORATION (VA)

I am currently being sued for a judgement in which I do not owe. I never had the property more than 2 days ( returned the vehicle due to a lemon law and the   XXXX   XXXX   in on me and my child ). I also informed the dealership of this and the company. The company suing is not on any of my credit reports as was reported as fraud. The original judgement I never received as well.
Consumer complaint received 2023-06-14
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$5500.00} XXXX XXXX ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX  XXXX ACCOUNT NUMBER XXXX, BALANCE {$22000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX PXXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have 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 2023-02-14
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. (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. 

The following accounts on my credit report has violated my rights : XXXX XXXX XXXX, Account # XXXX, for the amount of {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, for the amount of {$730.00} XXXX : Account XXXX XXXX XXXX, for the amount of {$520.00} 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.