davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

I'm writing you in regards to a Veterans interest rate reduction refinance ( IRRRL ) loan I received from Freedom Mortgage Corporation. My intent was to refinance my 2nd home that I do not use as my primary residence in which it was fully discussed with Veterans Loan Advisor XXXX XXXX NMLS # XXXX and that I have not lived in it since XXXX when I purchased what is now my primary residence. Since interest rates are low, I wanted to also refinance my conventional loan for my primary residence but was told by XXXX XXXX that he did not do conventional loans and that I should wait until my IRRRL closed. To me it made sense so there would be no confusion with loans. My IRRRL closed on approx. XXXX XX/XX/XXXX. I then attempted to contact Freedom Mortgage to start my refi for my primary home with no return phone calls or emails from customer service. I then contacted XXXX XXXX to refi my primary residence before interest rates go up. After reviewing my loan documents they discovered that Freedom Mortgage did NOT finance my VA loan as a 2nd property/investment property but as my Primary residence and that I could not refi my primary home until this was resolved. After reaching out to Freedom Mortgage they would not change my loan or issue a waiver. They understood that this wasn't going to be my primary residence and even advised me to wait to start the other refinance until theirs was finished and my assumption is because underwriters would find out about the other loan and question why both are showing as primary. 

I also received an email dated XXXX XX/XX/XXXX from XXXX XXXX requesting a letter or email indicating the month/year to month/year that I lived at the residence being refinanced.
Consumer complaint received 2020-10-01
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. (IL)

Since XXXX, 2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!
Consumer complaint received 2020-12-23
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: DISCOVER BANK (CA)

My discover card with acct no XXXX was stolen and my card was swiped by unknown suspect and due to that incident my credit is ruined. 
My wallet was stolen on 2018 and I had talked to the customer service during XXXX or XXXX of 2018 and reported about this issue but they have not cleared this issue and reported me as charge off on the credit report.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

This is a response to Global Payment Check Services : Mr. XXXX VIP Preferred Check Cashing account with our service has been closed as per case number XXXX. The account was closed due to the consumer 's refusal to acknowledge and agree to the terms of service. Unfortunately, without agreed upon terms of service, service can not be provided. This is in no way a reflection of the consumers complaint history, but a decision based solely on the grounds of Mr. XXXX refusal to accept the terms of the service that we provide which he initially consented to in transacting. 

Response : After further review, it has been determined that the Terms and Conditions that Global Payment Check Services references are completely inaccurate with respect to what has been stated verbally over the phone during phone conversations with their staff. Aside from what has been stated, the Terms and Conditions are vague, without recourse, and are not infallible. My rights as a consumer making a valid complaint precludes any Financial Agency or Organization handling Billing Inquiries by themselves or through a Third Party Agency from legally banning me, and putting a clause in any Terms and Conditions which would appear to neutralize a company from any litigation, goes against Consumer Rights. Conclusively, Global Payment Check Services has failed to acknowledge receipt of their mistake. The Terms and Conditions to which they claim to have written were understood differently when I read them, and it was only until they attempted to clarify things that they decided to close the account without further acknowledgement that they are at fault for the misunderstanding represented in the paragraphs contained within the Terms and Conditions.
Consumer complaint received 2020-12-23
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. (ND)

XX/XX/XXXXand XX/XX/XXXX I have reached out to the credit reporting agency and bureaus reporting report on my credit file. As of today, I have failed to here back from either Bureaus. No action were taking on there part but he creditors did leave remarks.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

I accessed a free credit report from Experian in XX/XX/XXXX. I did not authorize a trial membership from the company, which charged me approximately {$15.00} every month since then until I cancelled the account on XX/XX/XXXX. I asked for a full refund. Experian said no after I spoke with a supervisor. I then filed a fraud claim with my credit card company.
Consumer complaint received 2024-12-01
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: CITIBANK, N.A. (GA)

THERE IS A UNAUTHORIZED FRAUDULENT INQUIRY ON MY CREDIT FILE THAT HAPPENED ON XX/XX/year>. REMOVE FRAUDULENT INQUIRY FROM CREDIT FILE.
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AL)

In response to your letter, which I received on XX/XX/22. You stated that you will be providing information to the CRA, according to congress Select Portfolio Servicing , Inc. is to exercise their grave responsibilities with fairness and respect to me as the consumer 's right to privacy. 
Select Portfolio Servicing, Inc. you also stated credit reporting is not an option to opt-out of, but according to 15 U.S.C 6802 it is. So your response seems to be based on opinion and not LAW. 
Select Portfolio Servicing, Inc. You dont have a right to report any of my personal information without my consent, if you do on XX/XX/XXXX as you stated in your letter, moving forward there will be charges against you for violating Federal Law after you have been told to not do it. 
Below I have attached some Laws you have violated if you feel otherwise please provide your reasoning backed by LAW and not opinion.
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Last sunday XX/XX/2021, a person contacted me by XXXX. This person hacked my cousin 's phone number. This person ( supposedly my cousin ) asked money for an emergency situation. The person sent the amount XXXX {$450.00} XXXX, and sent me the personal deposit information : XXXX XXXX XXXX XXXX. 
I sent the money, but the next day I knew that it was a scam or fraud. I tried to contact my bank XXXX Bank of America XXXX, but it was closed because XX/XX/2021 was holyday. 
So, next day a contact the bank a they took my declaration about the situation. And they told me that they don't sure if they can send me my money back, but they needed 90 days, for triying to fix the problem. 
I don't understand what is the protection that the Banks offer to costumers. Nobody worked on holydays, they can't give us the security that they are going to respond of the situation. I need help with this case please.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-07-18
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. (TN)

In accordance with the Free Credit Reporting act XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-01
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)

Since agreeing and taking an auto lease with XXXX there were problems in my monthly payments not being processed. Every payment made came back between 2 and 6 days later as " unable to process '' notifications, sent to me via email. I have since XX/XX/2019 had multiple calls with the XXXX XXXX XXXX XXXX XXXX in order to resolve this processing failures. Each time I was assured it was corrected, which was really simply a manual processing of my payment over the phone. Attached is the letter sent to XXXX along with the processed payment confirmations and subsequent processing failure notifications. These resulted in 1 for XXXX, XXXX attempts in XXXX and 4 attempts in XXXX - when finally XXXX decided to delete and re-load my profile, correcting the problem. 
My monthly rate has been {$880.00} and has been paid diligently, however XXXX took the failure on their side to action a late payment on my credit report, impacting my credit score severely. I am in the process of trying to secure a mortgage and only noticed this impact once starting the process. I have contacted XXXX and there seems to be no sense of urgency to resolve this very urgent matter.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MO)

Disputed Charge on Debit Card with Chime Bank, after waiting 3 months for resolution I received letter saying No error occured and money would not be refunded. I purchased item online and it was never delivered. After disputed with bank I asked for documents of how they came to no error occured. The single page document they sent said they could not contact merchant via phone. They were on hold for 5 min. and never spoke to live person it continues to say. So how is it now my fault the merchant didnt respond? Also they stated it would take 3 months to complete investigation yet they only called the merchant 1 day before the 3 month time limit expired.its ridiculous
Consumer complaint received 2020-10-01
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. (AL)

Experian XXXX  XXXX I have sent i have disputed an account that shows the wrong dates and stuff and asked to delete the information since they are reporting in accurate information all there reports shows the date open on one day and the letter that was sent to me was a wrong date so please delete
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

I called Capital One to check the status of a dispute I had with a XXXX hearing aid company. The representative said I only had until XXXX to respond to the complaint so the deadline had passed. I pointed out today was XXXX and asked to speak to a manager. The manager claimed a letter was sent to me on XXXX that gave me 30 days to respond. I pointed out that I had not received a letter and that there are only 21 days between XXXX and XXXX. I also pointed out I had an email from the XXXX company dating XXXX offering a full refund. I was offered a link to upload the email, which I did, but was also told that I still needed to respond to the letter I don't have and never received. 

When I asked that the case be reopened, I was told it couldn't be because that was the law no matter what the AG or the CFPB had said. I asked for the uplink to send the email and to be transferred back to the Capital One customer service department so I could cancel my card. It is abundantly clear that Capital One either has a very bad employee ore misrepresents the level of customer service it offers. XXXX XXXX ID XXXX offered to cancel my account on the spot. She didn't tell me that if she closed the account I would forfeit over {$350.00} in accumulated points on the card. Fortunately, I told her I did not want to work with her any further or I would not have discovered this until the money was lost, It's sad when a XXXX corporation that sells broken hearing aids to the elderly has a better grasp of US law and provides better customer service to defrauded people than an American company. 

XXXX XXXX ID XXXX claimed she was the only person capable of helping me resolve this dispute and refused to do so. I sincerely hope that isn't correct.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have sent multiple letters and complaints to experian XXXX  and XXXX  about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

I received a letter from a debt collector stating I owed XXXX from a medical provider. I mailed a letter to the debt collector asking them to verify the debt. I requested dates of services, reason for the visit, and proof of previous payment. When I went to the XXXX XXXX  office any out of pocket cost was paid at the time of the visit. I never received any bills, letters, or calls from the XXXX XXXX office. 

I received a letter back from the debt collector stating " When an undisputed account is listed with us for collection, it is deemed to be due and payable in full. If you need time in which to secure the balance due, call or visit our office so that a reasonable extension of time may be granted ''. 

This collections agency never supplied me with my request, basically they're stating if the debt was placed with them then the money is owed.
Consumer complaint received 2021-02-12
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. (OH)

The below account is listed on my credit report as a collection and it doesnt belong to me. 

The account info below XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Amount {$1600.00}
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I consumer XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC, allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, { XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION (MD)

I found out that M & T Bank has been charging me absorbent fees on XXXX of my accounts with them that had low balances. 

From XX/XX/XXXX, they charged a {$10.00} a month fee on XXXX account and {$14.00} on another for a total of {$840.00}. 

I called today XX/XX/XXXX to request a refund. They agreed to refund this year 's fees in the amount of {$270.00}, but they did not refund the remaining {$570.00} they stole from me. 

The manager who talked with me was named XXXX and the reference number for my call was : XXXX I have been a customer for over 30 years, and this is shameful that they took advantage of me like this. 

I let them know I was filing a complaint with CFPB. 

Thanks, XXXX
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, we applied online for a 3-month home mortgage " assistance/suspension '' ( forbearance ) from Wells Fargo Bank under Covid-19/CARES Act. 

Wells Fargo Bank 's website said it " won't report a past-due status for this account to the consumer reporting agencies. '' Our credit report shows that Wells Fargo improperly reported to credit agencies that we were in 3-month forbearance ( " XXXX XXXX account, account in forbearance conventional real estate loan student loan deferred XX/XX/XXXX '' ), when they should only have reported that we were " current '' ( section 4021 of the CARES Act ). 

This " forbearance '' notation in our credit report kept us from refinancing the mortgage with a particular refinance company at a rare 2.99 % /no points/no closing costs. 

We have since asked Wells Fargo to remove the forbearance notation and we have paid the XX/XX/XXXX payment on XX/XX/XXXX and are now current, and intend to pay the XX/XX/XXXX payment and all future payments on time. 

Wells Fargo told us XX/XX/XXXX, that they would " look into this '' and would work on removing this from our credit reports, but that it would be our job to follow up with all four credit agencies ( XXXX, XXXX, XXXX, and XXXX ) to confirm it was removed. That process could take some time, during which we can't refinance and rates may go up. 

I am filing a complaint to ensure this does not happen to countless other unsuspecting customers.