davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MS)

I have a mortgage refinanced with Freedom Mortgage in XX/XX/2021 for 2.5 % fixed loan over 15 years. The company preceded with multiple escrow shortages notices. The last notice was received in the mail only 12 days prior to escrow overage payment due or I would endure mortgage increase. This is less than the contract required 30 day notice for changes in mortgage payments. When I had enough, I requested to have escrow account removed and I will be making tax and insurance yearly payments on my own to not have to go through the sudden choice to come up with the escrow shortage amount or have house note increased. Even when paid, my mortgage payments were raised to a lesser degree with explanation to avoid expected shortages or to make sure I have at least the required XXXX dollar amount in the escrow. 
I have since been bombarded with emails and have submitted for texts to be stopped- all regarding offers to get money to refinance. I do not recall this level of harassment from Freedom Mortgage prior to my current refinancing at 2.5 %. 
May main complaints are 1 ) The mortgage company did not provide contractual 30 day notice, by contract ( and I believe by law ) in order to allow time for me to come up with escrow shortage.

2 ) I am receiving frequent offers to get money to refinance. The interest rate likely will be higher.

3 ) I also receive letter notice my home insurance was going up with advertising for options with insurance. When I called my insurance, I was told insurance estimates had not been completed for the next year yet
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

INCORRECT SCORING DUE TO INCORRECT INFORMATION It seems that Trans Union has an issue with reporting information inaccurately, at least in my personal info. I've tried to correct it with writing them ( and sending proof ), and calling them but to no avail.

For one, my credit is in good standing with all my creditors and has been for some time ; I do have high balances ( due to bad contractors, etc. ), but am trying to lower them as soon as possible. I've never been late nor have I ever skipped a payment and try to always pay " more '' than the due amount.

I am not one to request account " increases. '' I am happy with whatever I've been granted. However, it seems that creditors, from time to time, will request information for whatever reason they deem it necessary. It's always been Trans Union to discredit my creditworthiness and, whenever someone has requested my credit information, up until today, to Trans Union I either have a " seriously delinquency, '' or " time since delinquency is too recent or unknown '' information. To them, I even have a bankruptcy ... But, no docket number or court information. Up until late last year, my credit score with Trans Union was in the mid 500s, until I sent  them proof of what they stated was holding me back from a better credit score. All my current accounts are in good standing, and have a great payment history. 

Please refer to the attached documents ( just a few ; I have more ) from creditors and note their reasons why my limits have either been lowered or was impacted. 

I sincerely would like you to investigate Trans Union as to their reporting practices and for this reporting agency to keep an accuracy of my credit scoring and information. 

Thank you.
Consumer complaint received 2023-06-09
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)

XXXX, Experian, and XXXX are not reflecting my credit report with the exact same data. Some accounts are reported and some are not across the 3 Credit bureaus. 
XXXX, Experian, and XXXX are not Metro2 Compliant.
Consumer complaint received 2022-10-17
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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  XX/XX/XXXX
Consumer complaint received 2023-08-22
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;... 

My character has been defamed i demand compensation.
Consumer complaint received 2022-09-06
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: Collection Management Holdings, LLC (TX)

In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Acct # XXXX XXXX Acct XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Acct # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-10-09
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. (TX)

I filed a CFPB XXXX against Experian around XXXX - XXXX 2014 regarding a 10 year old derogatory past due payment by XXXX that was not true. 

I contacted the Office of the President of XXXX, copy attached. In reply, I was assured the derogatory report would be withdrawn. 

If both Experian and XXXX still fail and refuse to correct this information, please let me know and I will have my attorney contact the Office of the President of XXXX - again - to require the removal of this false information and to hold their employees personally accountable for their actions. 

Please be advised, as result ALL other credit reporting agencies changed their information on this account and no longer contain derogatory information regarding XXXX or any other.
Consumer complaint received 2022-10-17
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. (AZ)

I discovered that some of the information and inquiries on my credit report were incorrect when I reviewed it. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Here is the list of unknown items that must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ Date Updated : XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2023-09-13
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. (MN)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # 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
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

I opened a New York & Company Runway Rewards Credit Card in XX/XX/XXXX with Comenity Bank. This card is issued for exclusive use with the New York & Company store. I have never upgraded this card to any other type of credit account. I have always received Runway Rewards  Credit Card statements. On XX/XX/XXXX, I begin receiving Comenity Bank Mastercard statements for this same account ( the last four digits of the account were displayed correctly ). I received these Comenity Bank Mastercard statements on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also received the monthly Runway Rewards Credit Card statements from Comenity Bank and Bread Financial on XX/XX/XXXX and XX/XX/XXXX. I have attached copies of all of the above as evidence. I have never applied to Bread Financial. On XX/XX/XXXX, I contacted Comenity Bank customer service. I stated to them that I was receiving Mastercard statements and provided the dates and Comenity Bank email address. I confirmed that I had not applied for or authorized a Mastercard upgrade. Comenity Bank confirmed the email address was their valid email, confirmed that my account was showing as a Runway Rewards account, and that they no longer offered a Mastercard. The rep stated she spoke with a supervisor regarding this issue and stated there was nothing they could do. Instead of researching this matter to resolve it, as I insisted for them to do, Comenity suggested I try to resolve this issue with another department. I ended that call, called Comenity bank again and was transferred to what I believe was their " fraud '' department. This department confirmed my Runway account and recommended that I contact their customer service department. At this point, Comenity bank has refused to take responsibility for this issue, refused to do a thorough investigation, and could not confirm that I would not continue to receive Mastercard statements. They also stated that they " didn't believe '' this account was being reported to the credit bureau as a Mastercard. On XX/XX/XXXX, I contacted Mastercard and provided this information. Mastercard indicated that I needed to speak with Comenity Bank.
Consumer complaint received 2015-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

In received an offer to settle for 70 % of my XXXX debt throughout a XXXX party collection firm and I made the payment as offered but after few moths a different agency came back to me for the remaining portion of 30 % of the debt and now this debt is shown in my credit report.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (MD)

XXXX, Inc.withdrew four bimonthly payments in the amount of {$960.00} each. They were withdrawn on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These payments did not reach my mortgage company the XXXX. When I contacted XXXX , XXXX . I was told that they mailed the payments to XXXX and they will look into where the funds are and get back to me shorthly. This was on XX/XX/XXXX. I have not heard back from them.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Date : XX/XX/18 Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Transunion Consumer Dispute Center. 
XXXX XXXXXXXX XXXX. 
XXXX, PA XXXX RE : XXXX XXXX # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX # XXXX which you claim is past due. The account was paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be  liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. Better Business Bureau
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AXOS FINANCIAL, INC. (MI)

Axos Bank is not allowing customers with certain XXXX last names to file an online application for mortgage. See the attached screenshot that says " Last Name contains an invalid person name '' when last names such as XXXX, XXXX, XXXX are entered. A large group of consumers in the Unites States are affected.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello my name is XXXX, I have been working with this company for 7 years, I am very happy with your services. 

My account is : CAPITAL ONE BANK USA NA, Account number : XXXX Date Opened : XXXX XXXX, XXXX ( 6 yrs, 7 mos ), Credit limit : {$25000.00}, Account status : Open, Type Business : Credit Card. I've never been late ; I have a good payment history that endorses my claims.

I was on auto pay, but the Capital one system never allowed for auto pay to be set for minimum payment, the auto pay instead just had to be set to an amount I had to keep on changing as the minimum payment changed. Then Finally when I didnt get internet access, the Capital One account was locked, I tried to get Capital One to send website log, and Capital One has refused to do so.

I have been through a lot or this late payment on my credit reports. This matter has a simple solution. I am requesting that Capital one deletes/corrects the XX/XX/XXXX late payment from my account and a notice sent to the credit bureaus. 

I believe that we can continue to work together and continue our fruitful relationships. I would be happy and grateful if you could give me a positive response on this matter. 

Thank you.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX