davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Freedom Mortgage failed to pay my PA township tax of {$1800.00} in XXXX. In XXXX after numerous phone calls the taxes were disbursed multiple times. The following entries were taken from my online account : XX/XX/XXXX {$1800.00} Tax Disbursement, XX/XX/XXXX {$1800.00} Tax Disbursement, XX/XX/XXXX {$1800.00} Tax Disbursement, XX/XX/XXXX {$1800.00} Posted to Suspense, XX/XX/XXXX {$1800.00} Posted to Suspense. 
I have logged XXXX phone calls and sent five emails in an attempt to correct the situation. My online account showed Tax Disbursements totaling {$8400.00}. I emailed this information to Freedom Mortgage and the response dated XX/XX/XXXX stated : 'The amount of {$8400.00} you referenced as " Taxes Paid YTD '' is not indicative of the funds disbursed from the escrow account for taxes in XXXX. ' I just received my XXXX for XXXX listing " {$8400.00} Property Tax Disbursements. '' My monthly mortgage payment increased by {$230.00} following the escrow analysis performed in XX/XX/XXXX. This was a financial burden. 
I have requested a copy of the escrow analysis, copy of the payment/disbursement record, a corrected XXXX, and return of the finds to my escrow account. I have received nothing. I have spent hours on phone calls and emails with no results.
Consumer complaint received 2022-01-27
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am XXXX XXXX and I am submitting this claim myself and no third party is involved. 

I, XXXX XXXX, natural person, and creditor of an open ended credit plan was denied my right of credit by CAPITAL ONE. ( name of corporation according to the logo attached to the transgression. See attachment. ) I was notified of this transgression of my rights, specifically 15 USC 1601- T.I.L.A, by CAPITAL ONE on XX/XX/2022 via interstate commerce. 
According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONEs adverse action taken against me resulting in no benefit to me, the consumer from the credit transaction. 
CAPITAL ONE adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to 5000.00. CAPITAL ONE is now civilly liable to pay me for the damages.
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

As of XX/XX/2022 I have paid the outstanding amount owed as well as all of the collection fees that were due to the XXXX county clerk of courts for MIDLAND CREDIT MANAGEMENT INC. they have refused to accept payment and notify the credit bureaus this payment has been made they are falsely reporting that I'm occurring interest each month on a debt that has been paid in full this account needs to be removed and updated to the credit bureaus with the correct information
Consumer complaint received 2022-01-27
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: CBC Companies, Inc. (FL)

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. XXXX, INNOVIS, XXXX XXXX, XXXX, XXXX, XXXX anXXXX XXXX XXXXa ; I want these charge offs/write offs deleted from my credit reports ASAP.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

Lady keeps calling me about 5 times a day and was saying they ( HSB XXXX are trying to collect on a old debt. She knew my social security number! I do not have any negative debt showing on my credit report! When I told her that the debt no longer exists, she hung up on me. Phone # is XXXX from XXXX XXXX, N.C. She said her name is XXXX XXXX I did tell her to mail me a letter if this call is actually legit!
Consumer complaint received 2021-05-17
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. (AR)

Experian, please be advised that this dispute concerning the bankruptcy case XXXX is not a dispute based on rather I actually filed the bankruptcy or not, but this is a dispute based on the facts that the bankruptcy you are reporting on my credit report was improperly obtained, which makes the bankruptcy evidence inadmissible for you to report, be advised that I am not denying that I filed the bankruptcy case XXXX. In court of law when evidence is inadmissible it can not be used. Attached to this dispute is a letter from XXXX, which is the consumer reporting agency that you obtained the bankruptcy information from that you are reporting on my credit report. You will notice that the letter from XXXX states that they removed the bankruptcy case XXXX from my XXXX file, because they were not able to give me a proper method in which they obtained the bankruptcy information they reported to you. Since the 3rd party source, you got your information from deleted the bankruptcy from their file, you are obligated under law to delete the bankruptcy from my credit report, otherwise you are reporting inadmissible evidence, which is a violation of the XXXX and FCRA law. In your last response you sent me, you indicated that I could dispute with the source that you obtained the information from, and now I am showing you that the source you got your information from has removed the bankruptcy from my file. I expect for you to remove the bankruptcy you are reporting on my credit report, otherwise I will be forced to initiate a lawsuit with all the documented evidence I have. 

Also, be advised attached to this complaint is another letter from Experian stating that they tried communicating with Experian, but Experian never responded. 

Please few all documented proof that is attached to this complaint!
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to do a verification on the negative items on my credit report. 
They stated that everything was accurate. I did a thorough research myself and found that it is still inaccurate on my credit report. 

Account- XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account- XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX in accordance with the fair credit reporting act each account above 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 an account without my written instructions.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TX)

I spoke/written/emailed all the companies regarding the debt with XXXX XXXX XXXX XXXXAldous  XX/XX/20 I had called XXXX XXXX XXXX and attempted many times to get this account removed and was told by an employee I would have to come inside to cancel, which I am unable to because I live in a different city. 

Later that year when I called and spoke with someone from the gym they said it wasnt an issue and helped me cancel the account over the phone and sent a confirmation/cancellation letter showing a {$0.00} balance. 

They ( XXXX XXXX ) said they were putting an email through to have my fees waived. As I have not been living in the city for over a year and I had the letter. 

Then I received an email from Aldous, I wrote them a letter ( I completed the letter within the timeframe ) and provided the proof for cancellation and debt. 

They continue to hold the debt. 

I have sent letters/emails to all companies with the cancellation letter provided.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted disputes about my personal information being incorrect on my credit report. There are several names, addresses, phone numbers, employment information and public records that do not belong to me on my credit report. I have disputed the matter several times and I have not received a response. The last letter that I sent in reference to correcting my personal information was dated on XX/XX/2021. I have not received any response and its been over 30 days since my last attempt to have incorrect information removed from my credit report. By law, the credit reporting agency has 30 day to respond.
Consumer complaint received 2019-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC (CO)

I was still a minor in high school, and was taken in to doctors by parents and this charge should had been ran through my parents insurance and if there was still a charge then on their credit report, and not mine. I got out of college and my credit report is showing that, XX/XX/2016, I owed a balance of XXXX $ and it was sent to collections and affecting my credit score now.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (TX)

On XX/XX/XXXX I was sent an offer for a bonus of {$150.00} for setting up direct deposit with Credit Karmas Spend account which is a checking account powered by credit karma. In the promotion it stated that I would be paid the bonus no later than XX/XX/XXXX if I met qualifications. Once XX/XX/XXXX came I contacted credit karma support and was informed I that I was placed on the list for payout on XX/XX/XXXX an entire week after the promised date in the promotion. I was then told I would receive the bonus is 7-14 days. It is not the XXXX and not only have I not received my promised bonus, credit karma has not responded to me emails in over 72 hours.
Consumer complaint received 2021-05-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MA)

My existing VA home loan was sold to Freedom Mortgage in XX/XX/XXXX. I started receiving calls from them constantly about refinancing. I said no a bunch of times, but then an agent named XXXX XXXX ID # XXXX called me XX/XX/XXXX. He offered me a lower interest rate which I thought was fair 2.75 %. I was most concerned about the fees because I knew that this is what would tell me how long it would take to see a benefit from the refinance. Mr. XXXX assured me he could offer me a great deal and I would only pay the VA Funding Fee ( {$970.00} ). There were other fees listed on the offer though. {$300.00} for a title - lender premium and {$550.00} for title-settlement fee. I called him back and specifically questioned him about the additional fees. He told me not to worry about these fees as they would be reimbursed by Freedom Mortgage after closing. I asked him how he could be giving me such a good deal and he told me it was because Freedom Mortgage didn't want to lose me as a customer. I told him that what he sent me did not match what he was telling me, but he promised that the fees would be reimbursed and it was crystal clear that the only fee I was on the hook for would be the VA funding fee. I made it clear that I was a little hesitant but I figured he was a licensed agent with a governing body so there must be some sort of ethics/honesty maintained in the business. We signed all the paperwork and closed XX/XX/XXXX. Not surprisingly, I get my first bill in XXXX and I was not reimbursed the {$300.00} or {$550.00} charges. On top of that, I get charged an extra {$75.00} recording fee that was not disclosed anywhere in the agreements. I call Mr. XXXX on XX/XX/XXXX and ask him why i was not reimbursed for the fees he promised. He told me I should have been reimbursed for the fees but that he can no longer do anything about it because the mortgage has closed. He told me that I had to call customer care. I call customer care tell them the whole story. They will look into it. I wait 2 weeks and call back the most recent time on XX/XX/XXXX since no one responded. I repeat the whole story and elevate the complaint, but they tell me " there really isn't anything they can do since the loan already closed ''. I ask why XXXX XXXX promised me I would be reimbursed and they responded that " there are always a few bad apples out there ''. Then they told me that I should have called customer care before signing the paperwork and they would have told me that I wouldn't be reimbursed for anything as if I should have known to check with HQ on whether or not what there representative was telling me was accurate. No one at Freedom Mortgage has denied that promises made to me or went back to listen to any of the " recorded '' phone conversations that are recorded to ensure quality which seems to be the exact issue here. They just keep telling me that since the mortgage closed there is nothing they can do. Was I a little naive? Yes. Did Freedom Mortgage intentionally deceive me? I believe so.
Consumer complaint received 2021-05-17
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. (NY)

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (AR)

I have been trying to get student loan forgiveness for years now I havent been working. Havent been able to find work been in the hospital. I dont have a way to pay any of it back. What do I need to do to get the student loan forgiveness Im just not able to make the payments at all, havent worked for years because of XXXX problems
Consumer complaint received 2024-03-09
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

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 2022-01-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau of Carbon County (WY)

I was alerted to a possible fraud due to a collections report on my XXXX credit report in XXXX of 2021. 
I contacted XXXX XXXXXXXX on XX/XX/2021 to inquire as to why they were and why they were reporting a collections that they had never made any attempt to collect. They told me the debt was from XXXX XXXX of XXXX XXXX. I informed them that as of XX/XX/2021 I had a zero balance with the hospital and the hospital had never told me they were sending anything to collections. XXXX XXXX said they would verify with the hospital. 
On XX/XX/2021 I sent XXXX  XXXX a letter via first class mail requesting verification of the debt and offering to work with them on a settlement should the debt be valid. 
On XX/XX/XXXX XXXX  XXXX sent me a copy of a consent for services from the hospital, but could not validate that the hospital asked them to collect any debt on their behalf. XXXX XXXX also could not prove they ever contacted me in an attempt to collect a debt prior to reporting to the credit bureaus. 
I sent XXXX XXXXXXXX a certified letter on XX/XX/2021 pointing out the discrepancies that remained and made an offer to settle in exchange for removing the negative information from my credit report. XXXX XXXX did not respond. 
I disputed the negative information on my credit report with XXXX twice. Each time supplying the information to date. XXXX stated the debt had been verified, but would not share how it was done or what information was reviewed.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CO)

Changed open date to look like I opened account last year, which I did not open the account last year. It was opened almost 6 years ago and was getting ready to fall off and now it is effecting my credit majorly. I have requested this be changed repeatedly and no one wants to listen to me or do anything about it. In all actuality its probably months with in the dates to fall off and the collection company changed it right before so it wouldn't fall off.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on an automobile loan account under anopen and consumer credit plan late for any purpose.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2022, someone stole my identity and possibly my debit card information and walked into a Wells Fargo branch in XXXX, GA and was allowed to withdraw XXXX $ from my savings an account. Wells Fargo will not refund my stolen money and termed this incident " customer negligence '' in that I was unable to determine who, what, when and how my identity was stolen. This is truly unacceptable as I know the money is insured, but yet I am being treated as if I am responsible for this fraud or possibly aware in that the signature on the stolen ID " matches the signature on file '', according to Wells Fargo. Therefore, I have obtained a police report here in NC as well as Georgia where the crime occurred so they may pursue further investigation and perhaps obtain, documents, records, and/or footage of the transaction in question.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (WY)

UPGRADE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX/ XXXX  is showing that XXXX and XXXX of 2020 they where missed/late payments, this is inaccurate and should show 100 % on time payments.