davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (OK)

On XX/XX/2023 I called, just excuses and runaround why the amount ( s ) keep fluctuating. I emailed XX/XX/2023, they refused to respond. I emailed XX/XX/XXXX, twice and XX/XX/2023, they refuse to respond. I used the text feature ( XXXX ), on XX/XX/2023, they refused to respond. I have attempted to rescind my ACH debit, they refuse to respond or acknowledge this. 
I have paid XXXX in 10 months, the original amount was XXXX Credit Fresh says I owe XXXX, where did the money paid go? How can I possibly owe more than the original loan by XXXX when I have paid nearly XXXX in just 10 months. 
This is beyond predatory. This is beyond allowable interest in Oklahoma. I am also contacting the FTC and Oklahoma State Attorney General. I am also sending via signature required my revocation of ACH debit. 
This company is ruthless, follows NO rules, NO acceptable accounting practices. They should be shut down IMMEDIATELY. 
The refusal to respond, the refusal to remove the ACH authorization tells anyone all you need to know about Credit Fresh. 
Please, I am begging you, STOP these crooks.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I was informed XX/XX/XXXX by my insurance company that the Mortgage Company had not paid my Hazard Insurance due XX/XX/XXXX. I have confirmed with the website of the mortgage company. My Mortgage Company is Freedom Mortgage. I have phoned Freedom Mortgage twice, the first time it took 7:57 minutes to reach a live person as the phone prompts repeatedly forwarded be back to previous prompts. Then the representative forwarded me to the Insurance department in which the phone system again placed me back through repeated prompts and a live person never answered. 
I later called and it took 12:53 minutes to reach a live person but I could only reach a live person by identifying myself as a representative of an Insurance company. Once a live person answered, I explained my difficulty and inquiry, she then tried to transfer me again. I stopped the representative and cited the regulation 1024.36 ( a ) ( b ) as I am very familiar because I am a Lending Compliance Officer of a Financial Institution. I was then placed on an extensive hold superseding 10minutes before disconnecting. I hav also emailed the company twice as well. I have Mailed my QWR but I am concerned there will be a lapse in my coverage due to their negligence and I need to know how to hold the Mortgage Company accountable for such negligence?
Consumer complaint received 2022-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

XX/XX/2016, I filed an XXXX XXXX XXXX # XXXX, # XXXX, with XXXX Bankruptcy XXXX XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXX XXXX  would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX XXXX would be placed negatively on my credit report.
Consumer complaint received 2022-04-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Easy Finance, LLC (TX)

I emailed Stepstone Credit in XXXX, TX on XXXX XXXX and let them know the application was a fraud and I had filed a police report. They continue to processes the application. I have my emails letting them know and so do the police department. 

My identity has been stolen and they are going to all fast cash places. 

I was able stop another payday loan company from processes the application and have that email. They were willing to work with me. 

XXXX XXXX had collection agency put a lien on my credit report. I was able to prove it wasn't me. At that time they didn't have my date of birth. They do now.
Consumer complaint received 2019-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (GA)

These accounts they've reported on my consumer profile were incorrect and I demand for the elimination of these items as soon as possible. 

XXXX XXXX XXXX XXXX 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 2023-03-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRIAD FINANCIAL SERVICES, INC. (MI)

I have sent a notice of dispute proof of claim to XXXX XXXXXXXXTriad Financial Services . All I received was a copy of a contract and nothing else that was requested in the Demand. A collector can't continue to collect on a debt after you've made a written request to verify the debt. But that FDCPA violation was ignored. Because I continued to get letters of late payments and even a letter threatening repossession. After receiving a written dispute, the collector must stop collecting on the debt until you have received verification. I have not received requested verification needed to validate. The dispute was never submitted in the comment section of the consumers consumer report.
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX XXXX XXXX was contacted through XXXX marketplace for a rebuilt transmission. On XX/XX/XXXX the first payment of {$1500.00} was sent, through XXXX, to XXXX XXXX. Following completion of the build, XX/XX/XXXX, the remainder, {$530.00} was sent through XXXX. I was told the part would be shipped the next day. I was told it would be delivered XX/XX/XXXX. No transmission was delivered. XXXX XXXX then informed me it was delayed and would be delivered XX/XX/XXXX. I repeatedly asked for a tracking number that XXXX XXXX was reluctant to give. On XX/XX/XXXX, the transmission was not delivered. I was informed it was damaged in transit and XXXX XXXX would be picking it up from the shipping hub. On XX/XX/XXXX XXXX XXXX reported he had it back in his possession, would repair it, ship it out and provide a tracking number. On XX/XX/XXXX XXXX XXXX informed me he would be shipping it soon. On XX/XX/XXXX he informed me it was shipped but didnt provide a date or tracking number. On XX/XX/XXXX I still had not received the transmission or a tracking number and requested my money back. XXXX XXXX was unable to refund my money totaling {$2100.00}, and has ended all communication.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NY)

XXXX XXXX is inaccurately reporting their tradeline on all XXXX of my credit reports. XXXX XXXX has done the same thing to many other consumers as evidenced by the many complaints filed against them with the XXXX. There is a pattern of inaccurate credit reporting by this company and I want them to remove their tradeline from all XXXX of my credit reports.
Consumer complaint received 2023-02-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I sent a letter multiple times to XXXX, Experian, and XXXX.However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2023-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I sent a letter multiple times to XXXX, XXXX, and Equifax.However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023. My bank allowed a third-party access to all my funds on a personal account and basically left my personal checking account on XXXX balance without notifying me and they did not have a court order to do this on my name. They did have a court order on a business account that I no longer have but this was not a business account and was not under my name only. Also, the last deposit into this account was that of my husband 's tax return check in the amount of {$9000.00} which was deposited two days before they froze the account. That is my husband`s The bank is refusing to release the funds bank to me even though they do not have a court order that states that they can dip into a personal account. Like I said the business account that they could have access to is no longer active and the bank shuld have never gave them access to a personal accunt and allowed them to to more than {$12000.00} and they are refusing to give then back to me.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MD)

I submitted an application for Maryland 's HAF program. Pursuant to Md Law if a borrower has a pending application for HAF the servicer can not move forward with the filing of the Final Loss Mitigation Affidavit which starts the path for mediation and ultimately the foreclosure action in court. I notified the servicer, Planet Home Lending in XX/XX/XXXX, that I had a pending application via email. I then issued a written Notice of Error letter stating that I had an application pending. That letter was dated XX/XX/XXXX, and confirmed received by Planet Home Lending on XX/XX/XXXX. Despite this fact, Planet Home Lending filed a Final Loss Mitigation Affidavit on XX/XX/XXXX, which has started the foreclosure process to move forward. All in violation of Maryland law and the CFPB guidance for servicers.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX is reporting a inaccurate last payment for a charged off account it stating my last payment was XX/XX/2018 but the correct last payment date is XX/XX/2018 Please verify and delete all inaccurate accounts
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had to file a second claim for unemployment as many people did during the pandemic just to find out somebody else has controll of my personal info and has. Changed bank information phone number even address which was surprising because even i could not do so when I moved with out changing my address on the front of my cA identification card.needless to say i was very upset to find XXXX XXXX dollars of insurance benefits where siphoned from my cA. Benefits through the BANK OF AMERICA XXXX paid XXXX XXXX card finally after being able to prove my identity which wasn't easy luckily I had the assistance of a few case managers assisting me with other aspects of my life or i still would be getting taken for everything.now over the course of about a year getting the e Information that the bank needed to file the claims " correctly '' was very slow paced and frustrating now the bank after returning not even half of the money I feel they practically gave away .i Feel because it was re.lved in a way that should have been reflagged at some point thousands every other day i have control of the account now and still have to give personal info to a live. Customer service agent just to swipe the card in a store and second time to pay for parking and it gets locked for my protection so I'm safe from being able to get my car out of a underground parking lot of the store i just made purchases from up stairs but some how not from getting reimbursed for the money
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX. I am writing to demand that my privacy rights be respected. 

XXXX, XXXX and Experian are in violation of my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my rights to privacy, but they have also violated the FRCA. They are sharing my information without authorization, consent or written instruction. I have no contracts with these consumer reporting agencies, and they have no excuse for sharing my information with their affiliates. This is invasion of my privacy and extortion. They are threatening to continue disclosing my personal information until I pay.

This is also a violation of the criminal code 18 U.S. code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft, 18 U.S. code 1028.

In addition to these blatant violations, there are still more problems unresolved. I expect all late payments to be removed and transactions to be excluded from my report. So much of the FRCA has been violated that I have grown weary of finding violations. I will simply list them as follows : 1. 15 U.S. code 1681a 2. 15 U.S. code 1681b 3. 15 U.S. code 1681c 4. 15 U.S. code 1681i I am demanding the cease of improper reporting and knowing violations as per 15 U.S. code 1681s.

In order for equitable relief, I demand the following items be corrected and/or removed without delay and rapid restoration of my report and score, or I will be forced to instruct the CFPB and FTC to do a thorough investigation. 
XXXX. XXXX XXXX - XXXX - account removed from my report. 
XXXX. XXXX XXXX XXXX- all late payments removed and listed as " paid as agreed ''. 
XXXX XXXX- all late payments removed and listed as " paid as agreed ''. 
XXXX. All XXXX inquiries. 
XXXX. To have all addresses except " XXXX XXXX XXXX, XXXX, Pa XXXX '' be removed from my consumer report. 
XXXX. To have all employers except for " XXXX XXXX '' removed from my consumer report. 
XXXX. To have names except for " XXXX XXXX '' removed from my consumer report.
Consumer complaint received 2024-02-21
Product: Credit reporting 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 FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXXXXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2023-01-08
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. (VA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 UCS 1681 Account name Account number First access XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) 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 ) Reporting information with actual knowledge of errors 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 2023-01-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC (NY)

Hello, I had a Volvo SUV that was repossessed in XXXX of XXXX. My automatic payments had stopped ( no one could explain why ) and the mail that Volvo Financial was sending to my apartment was not being received as I had moved.

In either event, after many many hours on the phone with Volvo Financial, I was able to get the car back. I kept the car for the remainder of the lease, paid off the rest of the least and handed the car back to Volvo at the end of the lease term in XX/XX/XXXX. 

The car was paid off and returned to the dealership. There was no further incident. But my credit score continues to reflect an outstanding bill to Volvo Financial.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (FL)

On XXXX XXXX, 2023, Collection Management Company, opened a collections with the credit bureaus in the amount of {$1900.00} for supposed emergency services. I have no knowledge of this account, and insist most stringently that this account does not belong to me. On XXXX XXXX, 2023, I filed a dispute with XXXX Credit Bureau. On XXXX XXXX, 2023, I filed an additional dispute to include " fraud. '' My suspicion is that there is someone who is periodically receiving emergency services while using my name and personal information. My suspicions are supported by the fact that this has happened on XXXX other occasions for supposed " emergency services, '' whereby I filed disputes. My disputes were validated, and the instances were stricken from my credit report due to them not belonging to me. 

I have never received any collection notices, nor have I received mail, phone calls, or any other attempts to collect this debt. The first I learned of it was through my credit report.
Consumer complaint received 2022-05-31
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. (NY)

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 # : 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.