davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (FL)

This started back in XX/XX/XXXX with Freedom Mortgage when I was separating from my estranged husband and this company ignored all documentation sent for a Deed In Lieu of foreclosure request. 

They had us fax the documentation and then wait for a response. I never received any acknowledgement of the receipt of my paperwork despite constantly writing and calling. 

The home eventually foreclosed and I was going through too much at the time ( hospital stays, loss of a job at a company where we both worked ) due to the ending marriage, etc ) to keep fighting with them. 

Fast forward to XXXX and after the devastation of the pandemic, I have being calling them time after time to find out why there's still a balance on my credit report despite them telling me over the phone that I owe nothing. 
1. The balance they have is bringing down my XXXX score, but it is reported correctly on XXXX. 

2. I've disputed this many many times, and the amount has changed a few times but not to {$0.00} like they said it should be. 

3. I've called and they said they could provide written documentation, then turned around 2 business days later to say they couldn't. 

4. They told me to email their credit department because they could get me a copy. SURPRISE, they never answered the email.
Consumer complaint received 2021-10-28
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (DC)

I requested my transaction statement, after sending a payment for my escrow because my mortgage balance had not changed after the payment. In fact, my mortgage has not changed since I purchased my home in 2008. Where is my funds and where has my past payments been applied to? I have a conventional loan with no interest only loans.
Consumer complaint received 2021-10-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (DC)

On XX/XX/XXXX, I opened an auto loan with Credit Acceptance. I agreed to pay this loan through automatic withdrawal with my bank XXXX XXXX Checking Acct ending in # XXXX for the amount of {$410.00} that was always consistently deducted on the XXXX of each without any issues or problems until I called this company on XXXX XXXX to inquire about why my account was showing up as past due on my billing statement and in all 3 Credit Bureaus. This company confirmed that I was enrolled in the " automatic deduction program '' from my bank and informed me that it was a mistake/oversight on their part. The company updated my credit report in XX/XX/XXXX with confirming that auto loan was being paid on time and in good standing but they never went back in my credit report to delete the following inaccurate information that started back in XX/XX/XXXX : My credit report showed 30days past due during XX/XX/XXXX - XX/XX/XXXX ; 90days past due in XX/XX/XXXX ; XXXX past due during XX/XX/XXXX - XX/XX/XXXX ; XXXX past due in XX/XX/XXXX and 30days past due in XX/XX/XXXX. Please note that all of the above information is inaccurate and inconsistent with the fact that I had automatic withdrawal.
Consumer complaint received 2024-03-06
Product: Credit reporting 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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2017-12-22
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. (WI)

Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via XXXX Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via XXXX Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XX/XX/XXXX new inquiries have appear, which I have not requested.
Consumer complaint received 2022-10-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX XXXX XXXX Account # 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 2022-10-08
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: STERLING JEWELERS, INC. (FL)

CFPB Write up in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX There were seven charges made to my Chase XXXX  credit card ( Name XXXX XXXX XXXX ) totaling {$1400.00}. The transactions are listed below and I will attached the statement listing them. I did not make these transactions. On the afternoon the transactions happened I got a message on my phone that there was suspicious activity on my account and I called Chase XXXX credit card services immediately and told them these charges were not me and to cancel the card, which they did. Chase XXXX removed the charges from my account and then placed them back on my account at the end of XXXX. I have called several times since and no one will tell me why they think these are valid charges and what they discovered in the investigation and they refuse to reconsider the investigation unless I can provide additional information. Because it was fraud and I did not make the charges I do not have any additional information to provide. 

XX/XX/XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX MA {$100.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX MA {$310.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00}
Consumer complaint received 2022-10-09
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX I get messages from bank of america that someone tried to withdraw over XXXX dollars from my account and the transaction was cancelled.When I checked my account someone already managed to spend XXXX dollars at some place called XXXX XXXX  and another charge from an insurance company I have never heard of.I filed a dispute, got my account frozen, contacted both companies and both of them said they cant do anything about it.The charge was made in XXXX XXXX  according to the bank statement i live XXXX miles away from XXXX  so it should be quite obvious that I wasnt the one withdrawing the funds.I contacted the bank and they still havent refunded my money and this is the third time my money has been stolen from this bank.The bank isnt being very helpful and the XXXX dollars total charged are very important to me since im a college student and need the money.I have attached my location for the day which proves I was in maryland XXXX which is my home and not at XXXX  during the time of the transaction.Thank you
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service (CA)

I made a payment to my Military Star card on XX/XX/22 at XXXX XXXX. The credit card company did not record my payment for the XXXX instead recording it was made on the XXXX because of a time zone difference. I did not read anything in my disclosures that states I must make my payments based on a different time zone. My payment was considered late by my credit card company and I was charged an automatic fee that was added to my payment. This added fee resulted in my checking account being overdrawn and I was charged another fee by my bank. I would like these fees to be reversed and I would like to continue making regular payments. Thank you. XXXX XXXX
Consumer complaint received 2021-10-28
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I requested my transaction statement, after sending a payment for my escrow because my mortgage balance had not changed after the payment. In fact, my mortgage has not changed since I purchased my home in 2008. Where is my funds and where has my past payments been applied to? I have a conventional loan with no interest only loans.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and 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 2021-10-28
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. (OK)

I AM XXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN ABUSIVE RELATIONSHIP AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXXXXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXX  XXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO EXPERIAN AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, XXXX XXXX WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS. FURTHERMORE, I HAVE AN EMAIL FROM THE ORIGINAL CREDITOR SAYING IT IS PAID IN FULL AND CLOSED.
Consumer complaint received 2021-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (IL)

I originally took and accepted a loan from Honor Finance XXXX for a little over XXXX. Per the contract I would pay 360 monthly at 33 % interest which I accepted. They sold the loan to Westlake Portfolio Management. I had no knowledge of this for roughly 60 days after it being sold which wasn't a problem. The issue is that I've had my car for almost 4 years, which was the contracted time and only 8 % has gone toward principle. They still show me owing the same amount. Roughly 90 % of all payments made have gone toward interest which isn't in the contract I signed. I don't understand why. They told me there's XXXX daily interest which still doesn't mean XXXX should go toward interest. How is this fair.. I'll never pay off the car. I'm so baffled with how this is happening to me. I don't know what to do.
Consumer complaint received 2022-10-09
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. (CA)

On XX/XX/2022 I opened a dispute with several accounts with Experian explaining that I didn't authorize the transactions. They then updated my credit profile with no resolution or change on XX/XX/2022. They are in violation of 15 US Code 1681I - Procedure in case of disputed accuracy. Their investigation was done in an improper manner. They didnt reach the right results. They left me with false credit reporting. I asked them to provide me with whom you talked to at these companies and to provide me with original credit documents and or evidence confirming that these reportings made by these companies of reference are legitimate and were validated by me. They, for the 2nd time, closed my dispute and didn't provide me with any proof and just left me with reportings again. It's already been more than 60 days and with no resolution nor did they send me anything in the mail. I am now demanding they remove it since they had more than enough time to investigate it and to provide me with what i was asking for. The companies in question are : XXXXXXXX XXXX XXXX - {$300.00} XXXX XXXX XXXX XXXX - {$610.00} XXXXXXXX XXXX XXXX - {$2600.00} XXXX XXXX XXXX XXXXi XXXX - {$300.00} XXXX XXXX XXXX  XXXX - {$990.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX- {$460.00} XXXX - {$900.00} XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$140.00} Remove them now. you are violating my rights and now its consider fraud.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I submitted XXXX notarized dispute letters with documentation supporting my claims via certified mail to Experian XXXX  XXXX on XX/XX/22. 

The post office confirmed that they was delivered and Experian XXXX  XXXX said they didn't receive them and refused to fix the inaccuracies on my credit report. 

I tried to reach out to both XXXX and Experian but was unsuccessful with resolving this matter. I also have the certified mail receipts to support my claim.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I hold 2 credit cards with XXXX, yet 3 cards consistently appear on my credit report. I phoned XXXX to inquire, and they confirmed that there was a third card with middle digits XXXX which was being used by someone who either has my same name or was fraudulently abusing my name. The representative at XXXX explained that sometimes a card registered to a person with the same name can sometimes be attributed to the wrong credit report. In this case, the representative stated that XXXX would issue a letter to each of the credit reporting agencies to notify them of the error and have that card taken from my credit report. This is upsetting to me because I keep a zero balance on my cards and yet my credit score has been stuck in the middle 700 's for more than three years.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (OH)

XXXX has on my credit file, that I have worked for XXXX which I never have ever worked for XXXX. In addition, they have mentioned that I applied for Speedy Cash for which sounds like a debt collector of some sort. I do not agree that I owe this debt because I never received any contracts of any sort. Furthermore I've consulted with Counsel and realized that I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. Furthermore, The New Comprehensive Credit Act of 2020 states that I must have erased any debts on my credit for which do not have contracts to establish the " invalidated debt ''. There should also be no child support payments on my accounts whatsoever, I'm confused on all that is listed on my credit file. Given that XXXX has had data breaches I also furthermore understand that my private information has become compromised for which also, I should sue for that. Please relay the message so that XXXX and I can resolve this issue outside of court. 

Best, XXXX
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — Gift card
Issue: Problem with overdraft — Overdraft charges
Company: Incomm Holdings Inc. (HI)

On XX/XX/2021 scammer told me purchase gift card in the amount of XXXX to cover one time loan fee I was told through them then my loan could be processed as soon as I sent them the XXXX vanilla gift card picture they weren't ever heard of no answers nothing
Consumer complaint received 2021-10-28
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: EQUIFAX, INC. (NV)

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 2019-06-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (NV)

On XX/XX/XXXX I went to draw out 700.00 to pay my son 's rent. I am his Rep Payee for Social Security. I received an atm receipt which said it was unable to give me money. I am attaching a copy. I called the 800 number and went to XXXX XXXX the next day. They said to contact Direct Express. Each time I call Direct Express I am either on hold for over an hour and then the phone hangs up, or I get a recording saying they are experiencing extremely high call volume and the phone hangs up. I got to person one time and explained the problem, AND THEY HUNG UP! I called Social Security and got no answers. I went to the SS office and they gave me a number for fraud prevention for Commercia  Bank who issues the card. I called and after holding nearly an hour, I spoke to someone who merely transferred me to Direct Express! Of course, I got the recording and then the phone hung up. I ne ver got the money and it is not in his account. I need help to get this back. I am retired and on  limited income, I did not pay my bills to cover this rent for my XXXX son. I do not think it should be this hard to reach a company that handles government benefits.