davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AZ)

Chime closed my account on XX/XX/2023 after placing security measures on my account which I was already in the process of getting removed then they asked for my needed documents from the IRS such as my 1040 and acceptance of get my money back from them which the IRS says they didn't even need because they should see where the money is coming from. Then they say after getting all the needed info they cant give me back my money because of loads in my account which I don't even know what that means. But apparently my 1040 should be enough along with proof of address and ID which I have sent them. But they still wont give me back my tax refund money which I need for rent and such.
Consumer complaint received 2023-10-06
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. (CA)

they are commiting fraud and refusing to do an investigation and improperly sharing information, listen to the recording. ssn was edited out as well as XXXX minutes of menu navigation and hold to get connected. 

they concluded their investigation without taking any appropriate investigative action
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IN)

I was in the process of applying for a loan when I was told a mortgage company had a lien on my home. I had taken over my grandfather 's mortgage when he passed away in XXXX and paid the balance of the mortgage off at the end of the year of XXXX. The company I paid the balance of the mortgage off to was community loan servicing. I was unaware that community loan servicing had bought the previous company by the named Bayview loan servicing. Bayview is the one with a lien on the house in my grandfather 's name. I am the one who inherited my grandfather 's belongings along with his debt. I also hold power of attorney for him. I had contacted my estate attorney who helped with closing accounts and to get things transferred to my name. When my bank made me aware of the lien with Bayview. We both had a hard time getting ahold of someone due to my account being closed with the company community loan servicing. I was finally able to reach someone by emailing community loan servicing through their payoff request email I had used prior. I was then reached by a woman whose name I do not remember, and she gave me an email to send the document to, but first tried to tell me it was property tax issue without listening to my issue. I was offended but sent the tax warrant on XX/XX/XXXX of XXXX. It was told to me that it would take 30 days to get a response. I also have tried to reach out to the company numerous times with no response to the status. I only have a certain window of time to process the loan I am need of and they pull a hard credit check for this loan. I do not feel I would be able to have the same interest rate as I do now if I do not get help from the mortgage company. I have paid of the remaining balance and the Bayview account number is the same as the community loan service account number. The amount that the tax warrant shows is of XXXX dollars and dated in XXXX.
Consumer complaint received 2018-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XXXX XXXX, 2017, I was spoke to XXXX XXXX  in XXXX, Oregon about purchasing a used vehicle. I am self-employed as a XXXX XXXX who does XXXX XXXX XXXX and while I realize lenders don't like that, I didn't expect them to put 11 hard inquiries on my credit. Also, they put that I worked at XXXX and XXXX XXXX XXXX. I've never worked at XXXX, and I didn't tell them that I worked at XXXX. And, as far as I know, there is no XXXX XXXX XXXX and I don't have a company by that name, or any company for that matter. I was told by Transunion and XXXX  that I can not dispute the information, and that I would have to get a letter from the dealership. When I call the dealership, they will not speak to me or they take a message and no one gets back to me.
Consumer complaint received 2023-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (GA)

First of all Freedom Mortgage is a scam and should be investigated by CFPB. There are stories all over the internet, XXXX, XXXX reviews, etc concerning this shady company jacking up peoples escrow requirements and refuses to provide any real explanation or accounting. 

Personally on XX/XX/23 I received notice that my mortgage payment was increasing by the substantial amount of {$1400.00} monthly. The letter provided no details outside of their being a " shortfall '' in my escrow account. I call Freedom mortgage 3 times before the end of XXXX and no one was able to provide me an explanation. Multiple times I was promised a call back or that a ledger would be mailed to be and I received nothing. 

I have continued to call Freedom Mortgage every other month when my payment is due to demand an explanation and I have never received anything I have been promised and only have encountered increasing rude and increasingly incompetent representatives who also can not explain this. Including multiple times they just hang up when they cant answer a question. 

Out of 18 calls to Freedom concerning this issue only twice have a gotten someone who tries to find an answer and both of these nice ladies have ended up saying " I don't know what to tell you '' and " this doesn't make any sense. '' I am writing CFPB now because yesterday, XX/XX/23, I received my property tax bill. It is within {$100.00} of last year. My insurance for this year is the exact same amount as I paid last year. Nothing has changed. I just gave a shady mortgage company ( Freedom Mortgage ) a XXXX loan at zero interest this year and I am not the only one they are pulling this trick on.
Consumer complaint received 2024-05-30
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. (NY)

I noticed the problem in XX/XX/XXXX Incorrect Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove on my report
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I had been officially a victim of XXXX XXXX fraud in a XXXX state. Please see attached documentations provided to me by the FTC, Local Police, FBI, US Department of Justice. I hope you will FINALLY respect and consider all these documentations from the law enforcement AGENCIES AT THIS POINT IN TIME.
Consumer complaint received 2023-10-11
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. (VA)

Equifax followed XXXX 's lead and lowered my credit score to XXXX. Nothing on my credit report has changed that should allow Equifax to lower my score. I haven't missed any payments, I've had the same XXXX credit cards for years, I've banked at XXXX  XXXX XXXX for XXXX years, my house has been payed of for about XXXX years ( because I paid off a XXXX year loan in less than XXXX years ), I have roughly {$100000.00} in accounts at XXXX XXXX XXXX XXXX XXXX have over {$36000.00} in a XXXX IRA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and I have over {$330000.00} in my TSP account. 

There is no intelligent reason to lower my score.
Consumer complaint received 2023-02-19
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. (AL)

I contacted XXXX, equifax, XXXX for my credit report and I received XXXX report I called them and asked them who reported the XXXX  XXXX bankruptcy  on my credit report and they said XXXX Bankruptcy XXXX  in XXXX Al so i went to the clerk office and asked do they report to they report to the credit bureaus she said no so then I called the other XXXX credit bureaus and they gave me the same Information XXXX did. I want to know who reported the XXXX  XXXX because I have a letter stating they do not report to no credit bureaus or credits agencies. I want them disputed from my credit report.
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

XXXX XX/XX/2022, approximately one year ago, my wallet was stolen during the process of my relocation. Upon discovering unauthorized charges on my bank account and receiving payment notifications to my email address, I promptly took action by sending multiple letters to XXXX XXXX XXXX XXXX Mail. These letters were intended to inform XXXX XXXX that I had no affiliation with their organization. To support my claims, I attached an FTC and police report, as well as various forms of identification, to each correspondence. Regrettably, XXXX XXXX did not acknowledge or respond to any of my letters. Instead, they allowed the debt to accumulate and subsequently forwarded it to a collections agency. When I attempted to resolve the issue by contacting their customer service, I was informed that no assistance could be provided over the phone. I followed their instructions by sending a detailed letter to their address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, explaining the situation. Moreover, I obtained notarization for this letter, yet I never received any form of response from XXXX XXXX. It is crucial to emphasize that I am not accountable for this debt, and I refuse to assume financial responsibility for something that I did not initiate.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, I was a victim of identity theft and the below and attached hard credit inquiry needs to be removed from my credit report immediately XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Please see attached documents.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (KY)

I have not supplied proof under the doctrine of estopper by silence, Engelhardtv Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-10-04
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. (AZ)

I was informed by XXXX XXXX that my credit score had dropped by XXXX points on XX/XX/, per XXXX Credit Reporting. I checked to see if someone had opened new accounts under my name or maxed out my credit cards but neither thing had occurred. My credit/debt ratio and utilization of OVERALL credit hadn't changed, the amount was relatively the same as it had been the previous month. In fact, with my paying down my car loan by {$300.00} the previous month, my credit score should have improved. 

I tried to reach out to XXXX and the only " Consumer Service '' they offer is a free copy of the credit report. There is no customer assistance available by phone or on their website for the customer to find out why their credit score would have a precipitous drop, and there is no mechanism to dispute the drop. XXXX 's drop of my credit score was mimicked by Equifax within 2 days. The XXXX point drop affects my car insurance rate and will have other cascading effects that are costly and deleterious. 

I believe there was an error in XXXX 's algorithm because there is no reason why my score went down. I request that XXXX check for system errors regarding my account specifically. If there is a reason for the drop in my credit score, I request to know the reason. XXXX should also advise me of any appeals process available to dispute dramatic changes in credit scores. They need to provide transparency to consumers on what formula they are using to determine credit scores. It's obviously no longer based just on debt/credit ratio and timeliness of payments on accounts over time, because my score would be XXXX points more if those were the only criteria.
Consumer complaint received 2023-10-10
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. (LA)

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on my credit report has had a detrimental financial impact in my life.

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report.

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that my rights as a consumer are upheld in accordance with these legal provisions. These accounts are being reported multiple times and are the same alledge debts trying to be collected.

*** Understand 15 U.S.C 1681 section 604 ensures her that you need written instructions, I have never gave written consent or oral consent 15 U.S. Code 1681a, last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2018-04-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, I filed a dispute over a collection being reported. I am an XXXX XXXX XXXX and the Serviceman 's Civil Relief Act ( SCRA ) protects me from having debt collections on my credit report. This debt, whether paid off or not, is not reportable per this guidance. I wish to have this taken off immediately. For your information, the debt just happens to be paid off so it is not necessary for me to have to speak to the collection agency at this point. Thank you for your time, XXXX XXXX.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

On or about XX/XX/year>, received notification from a XXXX party credit report/score provider, XXXX XXXX XXXX alerting me that my Equifax Credit Score had dropped drastically. 

Upon reviewing XXXX XXXX Equifax Report, I found XXXX collections added to my Equifax Credit Report, all from the same source. XXXX XXXX XXXX, XXXX, XXXX, XXXX. ( See attached. ) I also paid XXXX XXXX and XXXX XXXX, for a copy of Equifax Credit Report, the same XXXX collections appeared on these reports. ( See attached. ) I immediately logged into Equifax Credit, where I found no such collections ( See attached. ). I then called Equifax Credit, whose representatives told me that my Equifax Report did not contain collections. ( See attached. ) I have contacted XXXX XXXX XXXX, who have no such open files, and have called Equifax Credit numerous times to be told no such collections exist, yet they do in the XXXX party reports pulled in their name. 

At Issue : Equifax is provided my report to creditors, lenders and/or XXXX party vendors, with negative information that I can not dispute. This is a violation under the FCRA. Again, to be plain, if it is not on my consumer report, I can not dispute the items and/or collections. 

I am in the process of buying a home, this erroneous report provided by Equifax could cost me XXXX of thousands of dollars in higher interest rates.
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/23 I ordered a XXXX XXXX  from XXXX XXXX whereas the advertising stated was fully assembled. The order # was XXXX. The merchandise was ordered as a gift but when my recipient opened the box they discovered that the merchandise wasn't fully assembled. On XX/XX/23 I contacted XXXX XXXX and was told that they would send me a shipping label to return the merchandise for credit to my account. Three weeks went by and I still hadn't received the shipping label so I called again and was told they would have a customer service supervisor call me back. I had honestly forgotten about it for several months and called XXXX XXXX again on XX/XX/23 and this time I spoke to a supervisor named XXXX who sent me the shipping label right away, XXXX tracking # XXXX which was received by XXXX XXXX ( Loading dock ) on XX/XX/23 at XXXXXXXX XXXX 

When I didn't receive the credit for the return I called XXXX XXXX again and was told I needed to call Capital One as XXXX XXXX had issued the credit in the amount of {$560.00} and issued the return reference # XXXX. I called Capital One and they opened up a dispute claim # XXXX and said I would receive a credit within XXXX business days. The credit was applied for a ten day period which gave me a {$330.00} credit balance. Capital One was supposed to mail this refund back to me but instead they reversed the applied credit because I allegedly didn't provide them with some additional information they requested so they closed the dispute. 

On XX/XX/23 I requested that the case be reopened and complied with all of the information they requested, sent them all of the requested documents for the second time and on XX/XX/23 they reopened the investigation. At that time I was told that I wouldn't need to make any payments on the account ( They owe ME money! ) while their investigation was ongoing with an approximate closure date of XX/XX/23. 

Today, XX/XX/23 I called Capital One to check on the status of my dispute. I was informed that while the investigation was ongoing i was still required to make payments on my account or I would face late charges and negative account activity would be reported to the credit bureaus. 

Can you please assist me with this matter?