davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My husband and I called our mortgage company Freedom Mortgage to inquire about getting some relief such as a deferment on our mortgage for at least 3 months. The deferment will be put on the back end of the loan. After several attempts, I finally spoke to one of the customer service reps and he stated that the deferment was available to us and that he would send some forms to be filled out in 3-5 business days. They never came so we called back this time asking for the forms so that we can fill them out ( not knowing the forms included 29 pages ). She told us to go  online to fill them out and we will be processed as the deferment. I called back because we couldn't find the forms named Loss Mitigation and then that person ( 3rd Person ) told us that they are not giving the option of DEFERMENT. He then transfers me to the department that handles this situation during this Pandemic and she states that Freedom Mortgage isn't giving people the Deferment option, only  Forbearance option. I stated my concerns and told her that I was upset that I was given false information several times from the customer service reps and that this mortgage company wasn't doing anything to help its customers. Unapologetic about the entire situation, she states that she will pass the information on and that the call was recorded so they will be able to listen and address the concerns I had. Long story comes to an end with no resolution and we have to pay or we will be charged and reported to credit bureaus. Also, the CEO has the nerve to be on the home page addressing the issue like he is really concerned. I think not. I would like this company to properly train their staff and also have a plan in order for this type of situation. 
Freedom Mortgage is absolutley not at the top of my choices and I am looking forward to finding another mortgage company soon.
Consumer complaint received 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, On XX/XX/2020 I called XXXXXXXX XXXX   and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what XXXXXXXX XXXX  customer service told me to do.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (NY)

My bank keeps refusing to approve a credit card for me most recently I applied again and the only reason stated on this letter is ridiculous excessive number of new credit obligations this is not fair its the only reason everytime I apllied for a card with them they deny me for any reason
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: Aldous & Associates, PLLC (FL)

Account Name : ALDOUS & Associates Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2022-11-04
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, 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 2024-02-25
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. (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX  XXXX ( Account # ) : XXXX, XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXXXXXX XXXX account number XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (NY)

I submit a complaint to all three bureaus XXXX and XXXX did their investigation and remove these fraudulent accounts off my report but experian refuse to remove them even though they are not mine
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I recently obtained a copy of my credit report from Experian. It indicate the following credit inquiries that was not authorized by me : XXXX/XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX Therefore, I am writing to dispute these inquiries and have them removed from my credit report. Please forward any documentation that you may have in regards to the removal of these inquiries.

Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well. 

Thank you for your prompt assistance.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (OH)

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, Has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-02-25
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. (TX)

I want the account removed from my reports at the XXXX credit agencies within XXXX hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I should not have XXXX accounts showing from this company. I will be getting a audit down on my loan. I also want to opt out from my information being reported under law that request need to be performed within XXXX hours. 

Acct # XXXX Acct # XXXX
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OneMain Finance Corporation (KY)

The car is paid off and ONE MAIN will not send the release of XXXX. Instead, ONE MAIN sends me repossession letters again. Ive already had them repo the car. The letter clearly stated pay the full balance, not just past due balance, or were selling your car. If I have the car in my possession, that means they gave it back to me. That must mean I paid it off. This is extortion.
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

From XX/XX/XXXX to now there have been problems with payment and accessing this account. There was an assure enrollment for payment hardship, and someone disenrolled the account from its payment protection program. There are problems as of today with customer service and payment scheduling, the monthly amount is unreasonable and there are excessive fees. The amount should be about {$25.00} with a total balance of {$600.00}. The last usage on the card was in XXXX.
Consumer complaint received 2024-02-25
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: Experian Information Solutions Inc. (MD)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A checking account was opened without my knowledge or consent using my name, XXXX, and address in late XXXX. I was notified of the fraudulent account and called Bank of America right away to inform them that I did not request or want a checking account with them and was told that they opened up a fraud ticket and provided me with a claim number. I followed their instructions for contacting XXXX XXXX, XXXX, and other creditors and even called my local police department to open an investigation at the urging of Bank of America. Following their process I filled out paperwork, took myself and my ID ( photo ) and my passport and social security card to the local Bank branch and they faxed it into their fraud department. Since then I have gotten a debit card, and bank statements sent to my home for the account that I asked to be closed 2 months ago. I am starting to feel this is some sort of internal fraud within Bank of America itself. Similar to XXXX XXXX XXXX XXXX  XXXX I am looking to have this account closed once and for all. I have had to jump through so many hoops to prove I am me to close an account that never should have been open! Why was all this ID/passports/SS cards required to open the account?? Further every time I try and call the Fraud department they never answer the phone and the automated system hangs up on me. I have also tried calling other departments and they can't assist as the Fraud department has put some sort of marker on the account preventing its closure!! This is bad business and fraud on all level. Please HELP.
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

I received an email that said my application for Target RedCard has been approved, but I have not applied for this card, and I called Target Card Services and they told me it's a fraudulent results, somebody opened the account with social security number and driver 's license number, and told me to report this case at ftc.gov, that's why I got here.
Consumer complaint received 2021-08-01
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. (NY)

I am very concerned and alarmed XXXX accounts show up more than XXXX times on my consumer report and is inaccurate and are not validated. I have tried several times to contact XXXX in which they always respond they will correct and remove this but never do. 

I spoke several times with reps from XXXX ; explaining there are several accounts on my credit report from XXXX that are inaccurate and some accounts do NOT belong to me. 

USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate, or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all XXXX  accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.
Consumer complaint received 2024-02-07
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: McMichael Taylor Gray LLC (GA)

I am owed funds from the XXXX  sale of my house. The sale took place in XX/XX/2023. I contacted the XXXX office thats holding on to the funds and no one can explain to me why I have not received my funds. All of the XXXX holders have been paid.
Consumer complaint received 2022-11-05
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Consumer complaint received 2020-04-02
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. (CA)

I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Consumer complaint received 2022-12-28
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. (NY)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Cabelas is reporting a late payment for XX/XX/2019 and I was not late. I always make my payments on time and it was an error on your systems end when I was trying to make payments. I have had an account with you for a very long time and have had no issues.
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I file a disputed in regard to in correct items that on my credit report. it has been well 30 days. I haven't receive investigation result.