davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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: BARCLAYS BANK DELAWARE (TN)

My XXXX XXXX XXXX was through XXXX XXXX 
XXXX XXXX announced Barclays was taking over their accounts. 
I made a payment XX/XX/22 of {$5400.00} online via my bank to XXXX XXXX- this happened to be the same time Barclays was taking over the accounts. 
The payment is shown on my Barclays account. 
However, the next item on my account is a weird % symbol - and it shows the payment being reversed. 
Barclays claims they refunded the money. They did not. 
I have called Barclays 3 times and submitted fraudulent reports online - as this is {$5400.00} they claim to have refunded but has now disappeared. 
I had Barclays on the phone with my bank at the same time and my bank confirmed the money was not refunded.

Barclays has advised 2 times they were issuing a " case, '' upon my third call where they finally allowed me to speak with a supervisor- they said a case was not issued on the first two occasions but now they are going to issue a " case '' again. It will now take 30 days more to hear from the " case '' if it was even issued this time around. 
In the meantime, they have sent me a statement charging me the interest on the full balance- which should be {$5400.00} less as they have my {$5400.00} but refuse to credit my account for it.
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Identity theft as I was residing in XXXX XXXX. 
Been trying to resolve this issue yet going in circles with nothing accomplished and negative marks on my credit due to theft. 

I can be reached at XXXX Thank You XXXX XXXX
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company (TX)

I switched banks in XX/XX/XXXX. XXXX setup a monthly auto-payment to pay {$1400.00} to Freedom Mortgage on XX/XX/XXXX, when payment was due, using my new bank account. Unfortunately, the payment did not process. Many other transactions to other services processed successfully and I missed the fact that the mortgage payment did not process. I received a letter in the mail on November 2nd, 30 days later, stating that I had missed a payment. I immediately logged on, discovered the error and payed {$1500.00} which was the payment due on XX/XX/XXXX in addition to the late fee of {$59.00} along with {$1400.00} which was the payment due for XXXX. On XX/XX/XXXX, I received an alert from XXXX stating that my credit score had decreased from XXXX to XXXX. 

Freedom Mortgage did not tell they were reporting a late payment. They did not provide me an opportunity to resolve the issue before reporting the late payment. Freedom Mortgage did not send me an email, a text message or a phone call to inform me that payment was not received. Freedom Mortgage DID HOWEVER make NUMEROUS phone calls asking me if I would like to refinance my mortgage. After telling them no multiple times, they continued to call. They left voice messages at times asking me again and again if I would like to refinance. Not once did they call me or leave a voice message to let me know my payment for XXXX was not received. I did not about the issue until I received a letter in the mail on XX/XX/XXXX - after 30 days has passed. 

I have been a Freedom Mortgage customer since XX/XX/XXXX ... 9 years. I have NEVER missed a payment or been late on a payment. I do not believe Freedom Mortgage provided me an opportunity to address this issue and that is why I am disputing this issue.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

A company called ALLY Financial has repeated called my home and left a message for me to contact them in reference to someone else who allegedly owes them a debt. I do not know this person who allegedly owes this debt nor have I ever done business with this company or this person. I do not know who they are. I feel that I am being harassed by ALLY Financial with whom I have never had an account with nor done business with, nor do I know the person that they are contacting me about. It seems that they are running a scam or phishing.
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (NE)

I have disputed inaccurate information on my credit report with XXXX : XXXX XXXX XXXX XXXX PA XXXX Experian : XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed from my credit reports
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

Everything was fine suddenly they send me and email telling me that they noticed activity in your account thats inconsistent with their User Agreement and they no longer offer me PayPal services. But I only used my account and my card to recived unemployment benefits and the advance child tax credit. I dont used for business or selling. I check a year of statements and I dint fine nothing where I was breaking the rules or the policy. I try to talk to them and they dint give no answer they told me that they dont have any coments to read the poly terms but there is nothing. And the problem in here is that I can used my money the money that I have in the account because they give me account number routing number and debit card and they keep my money with out any explanation. Please help. I just want my money back to transfer my money out.
Consumer complaint received 2021-12-08
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. (NE)

I have disputed inaccurate information on my credit report with XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX TX XXXX Equifax : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed from my credit reports
Consumer complaint received 2022-07-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, Experian and XXXX letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (GA)

In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved XXXX to XXXX mid-February due to the impacted XXXX had on my immediate XXXX. Because of the move I was unemployed until XXXX 2021. 
Therefore, I wasn't able to pay the balance of the invoice until XXXX of 2021. I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing XXXX XXXX ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX 
In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX  XXXX XXXX and spoke with XXXX the office XXXX on XX/XX/2021 to inquire about ( XXXX XXXX reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX XXXXrom XXXX to sometime in XXXX. The office XXXX stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( XXXX ) remove the account collection/outsources. 
With that said, I contacted on XXXX and Experian ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office XXXX to have ( XXXX  ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions. 
On today 's day XX/XX/2021, Experian sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted Experian again and explained what was uploaded to my Experian disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full. 
XXXX has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so.
Consumer complaint received 2021-12-08
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. (NC)

XXXX, Experian, and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Consumer complaint received 2022-07-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX AND XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-11
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. (FL)

In accordance with the XXXX XXXX XXXX act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

In XX/XX/year> Freedom Mortgage added an insurance policy but I already had an insurance policy that is paid in full. Now Freedom Mortgage is adding almost {$500.00} a month to my mortgage payment even though I have a paid insurance policy. I have sent the insurance policy to Freedom several times over the year but now they are fraudulently adding an amount for insurance that does not exist. You can not have 2 insurance policies on a property and I know my policy is in effect. I have called several times and sent many messages to Freedom Mortgage to have this resolved but nothing has worked. I even tried to pay the {$280.00} that Freedom shows that I owe but their system will not allow me to pay it because my mortgage does not have an escrow account.
Consumer complaint received 2021-12-08
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. (OH)

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. The accounts on my account are fraudulent and does not belong to me. Here are the accounts : XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXXXXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (IL)

Under federal laws, Consumer Reporting Agencies shall only furnish information under verbal or written consent by a consumer. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. While checking my most recent credit report. I noticed unauthorized and fraudulent credit inquiries made by the companies listed below, I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you EXPERIAN permission to furnish this information onto my credit report. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights Under federal laws, Consumer Reporting Agencies shall only furnish information under verbal or written consent by a consumer. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 15 U.S.C 1681 SECTION 602 A : STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 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. 1681 S-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 CASUE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

This letter is regarding account # XXXX, which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on any of my credit reports from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within XXXX days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of { {$5000.00} } in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
- Very Respectfully, XXXX XXXX
Consumer complaint received 2021-12-09
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. (TX)

I've submitted FTC and Police Report to this Credit Reporting Agency ( EXPERIAN ) on XX/XX/2021 according to FTC these fraudulent accounts resulting in Identity Theft must be removed in 4 days pursuant to 15 usc 1681c-2. 


I've asked EXPERIAN to please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report which they have failed so.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA FRAUD CLAIMS RE : Claim XXXX {$1000.00} claim amount /checking account XXXX I placed this claim on XX/XX/XXXX. I informed the agent assisting me that I was a victim of ID theft and that this appeared to be part of it as well. I did not authorize or make these charges listed above. She instructed me we needed to cancel my debit card and put them in as fraud. She stated it would take 3-4 business days for the temp credit to appear. That never happened. Today I am told that its awaiting final resolution and could take up to XX/XX/XXXX for a perm credit to appear. 
I did not authorize these charges. They are fraud. I DO NOT HAVE A XXXX XXXX ACCOUNT. I HAVE NEVER USED A XXXX XXXX ACCOUNT. I DO NOT HAVE A XXXX account whatever that charge was for XXXX as well. Also, in my claim. So, sending me a email stating that XXXX XXXX has a XXXX XXXX and this was transferred to his account does not prove anything. That account at XXXX XXXX was fraud. That is why there is a police report. That is why my credit file is now locked down. 
I will be reporting this to FDIC, CFPB, XXXX  upon sending this to you now. I am beyond furious at your lack of transparency, concern for a 21 YEAR CUSTOMER! I want this reopened, and I want my refund of these illegal charges. 
I have been a loyal B of A customer since XXXX that has to account for something with your bank. I am asking to please issue a temp credit until you have completed your investigation. I am attaching the FTC, and Police Report for my file. If you need anything further, affidavit etc. please reach out.
Consumer complaint received 2024-10-09
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (IA)

I've tried several times to use an ATM to withdraw my money but my card never works. I contacted direct express multiple times to resolve this issue. They would say we've looked into it, try the card again in a couple of hours and it should work. I've tried this approach for several days XXXX or XXXX  times a day without any results. Then, when I tried to send money to a friend my card is declined. I'm exhausted and would like access to my money.