davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I purchased a hotel on XXXX XXXX. However, I was charged for XXXX different hotel rooms, at different hotels, on the same night. I only booked and used XXXX. The other one was never checked in. 

I disputed the incorrect charge, and Citi credited the account and resolved the dispute in my favor. 

However, after I had opened a CFPB complaint with Citi for a separate dispute for defective merchandise that both Citi and XXXX refused to reimburse, Citi reopened this hotel dispute in retaliation for my CFPB complaint, and recharged my account for the {$360.00} that they previously recognized as incorrect, resolved the dispute in my favor and credited my account, and made the credit permanent.
Consumer complaint received 2022-06-14
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)

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company Experian has furnished on my report. I have listed the items I would like to dispute. 

Account number XXXX ( XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX Account Number XXXX Preferred Lease pursuant to 15 U.S.C. 1681a the term consum- er report does not include ; 15 U.S.C . 1681a ( 2 ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 usc 1681 ( a ) ( 4 ) XXXX states that consumer reporting agencies must be impartial. Why would XXXX state this in the congressional findings? Because they are well aware that the consumer reporting agencies are extremely partial. How so? When something is reported they conduct their investigation based off of XXXX side of the story XXXX. The " creditor '' or debt collector. I am requesting that Experian have the item removed. 

15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I also request that these inquiries listed below to be removed pursuant to the 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ; 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX Furnishing knowingly fraudulent information, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 yrs, or both.

Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Freedom Mortgage had just began servicing my loan in XX/XX/2017, which I have had for several years. Within 1 month of having my loan, they stated I had an " Escrow Shortage ''. I was going to be short several thousand dollars, and my payment was going up {$140.00} per month. Again, I have had this loan for several years, and currently have 4 other mortgages on investment properties. So I checked with my insurance company and the county tax office about significant increases. I then called Freedom Mortgage multiple times of the next months, to try to get it figured out, and I got absolutely nowhere with approximately 10-15 phone calls. I have recently filed a complaint with the NC Banking Commission, to which Freedom Mortgage 's response was they paid a non-existent Insurance policy, meaning they ( Freedom Mortgage ) paid XXXX XXXX insurance, money out of my escrow account for an insurance policy that I had absolutely nothing to do with. I have never had XXXX XXXX as an insurance provider. They have not received a refund for this payment, therefore my Escrow Account is in shortage.

So, after months and months of no response from Freedom Mortgage, my payment is still {$140.00} more than it should be, due to them paying another insurance policy and not receiving the refund.
Consumer complaint received 2019-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I believe I was also impacted by the recent scandal and Class Action Settlement whereby my mortgage payment was changed while I was under Chapter XXXX and PRIOR to the loan modification request. According to the bank, it recently reached a settlement in the pending class-action suit, which accused the bank of improperly filing mortgage payment change notices on borrowers who were in the midst of Chapter XXXX bankruptcy proceedings.The complaint alleged that the bank engaged in fraud, violations of bankruptcy rules and laws, and unfair and deceptive trade practices by improperly and unilaterally modifying the mortgages of the bankrupt borrowers. Before I filed bankruptcy my monthly mortgage was approximately {$1500.00}. During my Bankruptcy, I received the attached 2 statements that my payment was increasing.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (CT)

RE : FIRSTMARK SERVICES NELNET Inc. D
ear CFPB : There is an account listed as Firstmark Services that does not belong to me on my credit report. Firstmark services is a division of Nelnet.

I had federal loans that where consolidated, Nelnet no longer has servicing rights because the loans are with another servicer. Yet, their is still credit reporting activities going on with Nelnet and the credit agencies. The individuals at Nelnet/Firstmark are conducting illegal student loan collection and credit reporting. 

They said I had a loan with XXXX and I attended the University of XXXX when I got the loan. This is false, I had never had a loan with XXXX. Yet they continue to say I am past due and failed to pay. 

At this time I am consulting with an attorney who is experienced in student loans and credit reporting. I am bringing this to the attention to the CFPB because I believe their is an individual at Nelnet who is engaged in illegal credit reporting activities and collection. 

The CFPB must investigate who is responsible for unfair, deceptive practices at Nelnet Inc. My attorney will be contacting them or a civil law suit may commence against the company.
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (SC)

In XX/XX/2023 the financing company American financial was closed down. Westlake financial took over their loans. They have repeatedly called. Approximately once an hour per day. They have charged an astronomical amount in addition to what I already paid. They are also sending mail from XXXX XXXX but have their phone number as their contact information. I was told they would not stop calling me, after asking them not to.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I disputed some accounts with Experian about student loans. They are reporting that there are late payments on my students loans this year in XXXX, XXXX, and XXXX. However, my student loans are in deferment under the federal cares act. I have written to their company several times, including a certified letter but this issue was still unresolved.
Consumer complaint received 2019-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I noticed Portfolio Recovery was reporting a debt to my credit report. I reached out to the company 3 times via certified mail to verify the debt. No one has responded or contacted me with any details. I have tried to contacted them via phone and they do not have the right information. I have tried to dispute this information via the credit reporting company but they refuse to remove it.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (IA)

I received a letter from XXXX XXXX XXXX regarding an old XXXX insurance policy. In reviewing the letter, I noticed the policy number was incorrect, cancel date was incorrect, along with the amount had increased by almost over 100 % ( XXXX ) while offering a settlement amount. Luckily, I hold on to documentation for 5-10 years. I retrieved my old XXXX policy information along with the initial XXXX XXXX XXXX letter they sent to me almost three years ago. With the balance being XXXX, due to me switching insurance companies mid-stream of the policy. The reason why I am reaching out to you instead of the company first, is based upon past negative experiences with debt collection companies. This maybe a mistake or even a typo. XXXX XXXX XXXX may have sent me the wrong information, I am not sure, but I will not be taking any chances. IF this was intentional and XXXX XXXX XXXX   attempted to knowingly collect money that is not owed, that is illegal and it violates the Fair Debt Collection Act. They Misrepresented the amount owed, the cancel date, and the account information for monetary gain. What If I didn't keep records of previous accounts, It would be my word against theirs. Attached are the documents to back up my dispute.
Consumer complaint received 2018-04-22
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: EQUIFAX, INC. (GA)

I recently filed a complaint about equifax having unauthorised hard inquires on my report. I also mentioned that they will not let me access my account. I cant even get past name, address, SS #, birthday as they keep saying my answers dont match there records. This is rediculouse.I know my own info. I even included there file number XXXX. They are rudely mistaken. They e-mailed me saying I could check there answer to the investigation. However they wont acknowledge I am me. So what option do I have but to ask for seriouse help.
Consumer complaint received 2022-06-13
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: CITIBANK, N.A. (OH)

Hello, Since XX/XX/2022 I have reached out to Citi Reward Credit Card.. concerning a dispute. 
I paid my acct off XX/XX/XXXX ' And have never used my card since.. Then fraudulent charge came on my card.. I disputed it and they removed it. 
In XX/XX/XXXX ' Another fraudulent charge was on my card.. They said they would just give me a new card... 
XX/XX/2022 I received a new card. I never used the card but then they started saying I owed them money.. I called and told them I've never used the card and they said I would have to speak with supervisor. No one ever came to phone... 
I called back and waited several times on hold for XXXX min at a times only for them to hang up on me or no one would come to the phone.. this has been going on for months now. 
I am being Harrassed over and over again by Robo calls saying I am past due. 
. I've sent emails. phone calls sent them a letter, and a chat... .No response I've rpt this to my credit bureau.. Now theyre saying I owe {$65.00}????
Consumer complaint received 2019-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

The collection agency in question persists in illegally trying to collect on a XXXX XXXX store credit card that was closed by me in the Summer of XXXX, submitted for collection on XX/XX/XXXX and subsequently disputed as inaccurate on countless occasions, although the creditor and collection agency steadfastly refused to generate a legitimate amount owed.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (SC)

I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/XXXX that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies and to CORELOGIC CREDIT REPORT On Monday XX/XX/XXXX a certified letter was mailed out to XXXX and the first complaint was sent in on Saturday XX/XX/XXXX. As of Sunday XX/XX/XXXX I have yet to hear anything from XXXX. On Saturday, XX/XX/XXXX another certified letter was sent out to CoreLogic. And also followed by this new report here..
Consumer complaint received 2023-03-24
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: TD BANK US HOLDING COMPANY (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : TD Bank N.A., Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (PA)

Am an ID theft victim, unknown since Covid. I filed police report, filled out id theft affidavid for IRS. Lost all myt savings almost went broke bc brain XXXX and trying to get XXXX. I have not had credit and only have my car payment which i have never been late. I am XXXX american and deserve to have credit like everyone else affords. I have the governement form that I sent to TD bank to get a personal loan to recover from id theft and gave TD bank the paperwork to fill out. They did nothing.
Consumer complaint received 2024-02-29
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: 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. 

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 2023-03-24
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: JPMORGAN CHASE & CO. (IN)

In accordance with the fair credit reporting act, this creditors have violated my right. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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 Code 1681e- Apersonmay not procure aconsumer reportfor purposes of reselling the report ( or any information in the report ) unless thepersondiscloses to theconsumer reporting agencythat originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose undersection 1681b of this titlefor which the report is furnished to the end-user of the report ( or information ). 

The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. 

Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

I have a Conns credit card through synchrony bank. I have NEVER missed a payment or paid late. They took my credit line from {$1000.00} to {$200.00} when I called to inquire as to why I was told due to recent inquiries on my credit report. I explained that I was in the process of purchasing another vehicle for my logistics company that has expanded. So I am basically being penalized for expanding my business. Their action reflected negatively on my credit report and caused me to loose points. I was also told I paid my bill in full before the statement date is another reason they dropped my limit and to show this is a pattern with them synchrony put a hold on my Sams Club card for paying it in full before the statement date.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (OH)

XXXX XXXX XXXX XXXX XXXX ASKED FOR EQUIPMENT RETURN. IT WAS DELAYED AS I WAS XXXX XXXX XXXX OVERSEAS. UPON MY RETURN I RETURNED THE EQUIPMENT TO THE XXXX LOCATION AS REQUIRED. THEY SENT IT ANYWAY TO XXXX XXXX WHO PROCEED TO THREATENED ME WITH LEGAL ACTION. I TOOK ACTION AGAINST THEM IN SMALL CLAIMS AND WON. THINKING IT WAS OVER, XXXX XXXX XXXX XXXX XXXX XXXX IT TO ANOTHER AGENCY SEQUIUM ASSET SOLUTIONS. i TOLD THEM NOT TO CALL MY CELL AS I PAY FOR MINUTES AND THAT THE DEBT IS DISPUTED AND NOT OWED. THE LADY SAID SHE WILL CALL, TAKE LEGAL ACTION AND DAMAGE MY CREDIT IF I DON'T GIVE HER MY CREDIT CARD.THE EQUIPMENT WAS OUTDATED BECAUSE I WAS SERVING MY COUNTRY OVERSEAS AND COULD NOT RETURN IN A TIMELY FASHION. TO BE THREATENED AGAIN BY A DIFFERENT AGENCY IS AN ABERRATION. PLEASE HELP.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/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
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my 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 XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX Reported late payments on my consumer report after having a phone conversation with the company in regards to The Coronavirus Aid Relief, and Economic Security Act, passed by Congress and signed into law on XX/XX/2020 which contains explicitly addressing the FCRA, as XXXX XXXX previously reported. Section 4021 of the CARES ACT amends Section 623 ( a ) ( 1 ) of the FCRA ( 5 U.S.C. 1681 S-2 ( A ) ( 1 ), Violation of 15 USC 1662 ( 2 ), VIOLATION 15 USC 1635 LACK OF RIGHT OF RESCISSION, violation 15 USC 1681a , violation 15 USC 1692e , The False claims act, 31 USC 3729-3733 , FAIR DEBT CREDIT ACT LAW 111-203, title X, 124 Stat. 2092. Delete LATE PAYMENTS AND UPDATE TO PAID AS AGREED