davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

While processing a refinance mortgage with Freedom Mortgage on multiple occasions they provided inaccurate paperwork and broke the terms of the closing documents. First, after requesting a mortgage without an impound/escrow account, Freedom Mortgage sent a set of summary disclosure forms with an impound/escrow account included. We refused to sign and Freedom Mortgage eventually sent a set without the impound account, which we sign and should be on file. Later Freedom Mortgage sent closing documents with the impound/escrow included, against our will. 

Weve spoken with representatives with Freedom Mortgage, filed a complaint on their messaging service, indicated we wished to cancel the refinance and have forwarded emails as requested. Its been XXXXour weeks and we have not received a reply or follow-up from Freedom Mortgage. In fact, per the closing documents the first payment wasnt due until XX/XX/2021, but regardless of our request to cancel the refinance, Freedom Mortgage closed our previous mortgage and deducted a payment on XX/XX/2021. 

In fact the only communication we have received from Freedom Mortgage was the result of a previous complaint we filed with your agency and in that response Freedom Mortgage failed to mention that they had not addressed our main complaint or broke the terms of the closing documents by processing a payment before XX/XX/2021. Instead, Freedom Mortgage only offered to refund a portion of the pre-payment fees they charged for including the impound/escrow account against our will. We have been very unhappy with the service provided by Freedom Mortgage and would prefer to work with a different company. If that is not an option, we would prefer that our refinance be processed as originally requested and that we receive a full refund of the $ 9000+ pre-payment fees ( impound/escrow ) that Freedom Mortgage included in the mortgage against our will.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

A check was sent to Comenity Bank to pay off my XXXX XXXXXXXX XXXX. The check for {$5900.00} was received on XX/XX/2022. As of XX/XX/XXXX, the check has not posted to my account. Another check was received by Comenity Bank on XX/XX/XXXX for {$140.00} that was posted on XX/XX/XXXX, but the larger check still hasn't posted. I have called the customer service line and complained and they said they don't have any way to communicate with the payment department to follow up on the payment. It is unfair in the meantime that interest is charged to my account on a daily basis. The tracking number for the check that was delivered on XX/XX/XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-14
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. (FL)

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. The account is not mine! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-24
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)

The account named XXXX XXXX BANK is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. There fore this account should be delete completely from my credit report.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I received a {$100.00} visa gift card for XXXX upon opening the gift card that had no signs of being tampered with I checked the amount on the card, the balance was XXXX. I informed the company XXXX who handles theses matters for this Visa card and they informed me to submit a proof of ownership via fax. I sent the company my license, original receipt, my contact info, front and back of the card and a hand written statement. I called back a week later and they said they did not receive anything from me although my fax machine said the paperwork had been sent. So I sent it again while the representative was on the phone. She said they did not receive anything on their end and my fax machine was stating the paperwork was sent. We checked the fax numbers, which were correct. So she advised me to send the paperwork via mail. Cut to XX/XX/XXXX, I call the company and they state that they never received my information via fax or U.S. mail and I should start the process all over again. After speaking with the customer service rep I spoke with a rather rude, and unhelpful supervisor, XXXX ID XXXX. I asked whether he could stay on the phone and verify that the company had received my information if I sent it again he states that there is no way for him or anyone in the department to verify whether they had received a fax which contradicts the initial lady I spoke with and makes no sense.
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One reports that I have a closed account with a balance of {$5000.00}. Upon the alleged initiation of the application for credit, who did Capital One interview? According to 15 U. S. Code 1681a ( e ), Capital One is required to interview someone. Any information contained can not be considered factual.
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (RI)

Hello, On XX/XX/19, I posted my XXXX for sale for {$1200.00}, and someone named XXXX XXXX XXXX who I now see goes by XXXX XXXX on Zelle ) commented that her brother would pick it up and she would pay me through Zelle. I got an email from what I thought was Zelle confirming that she sent me the {$1200.00}. However, the email stated I could not access the funds because I needed to upgrade to a business account. XXXX explained that in order to upgrade to a business account, you need have sent {$600.00} to someone. At this point, the transaction would go through and I would have the business account. So, the woman sent me XXXX more dollars and asked if she could trust me to send it right back. I receieved an email from Zelle to confirm this as well. She also sent me screenshots from what appeared to be the XXXX  XXXX XXXX showing the money had been taken from her account. I felt pressured and guilty because it was framed that I was holding up this womans money. Luckily, the spending limit on Zelle only allowed me to send her {$300.00} dollars rather than the full {$600.00}. She tried to convince me to send another transcation for the remaining {$300.00}. I then called Zelle and realized the email XXXX is not their official email. She refuses to return the money and blocked me on messenger. Zelle told me there is nothing they could do. My credit union XXXX XXXX XXXX XXXX in XXXX RI ) also said there is nothing they can do, even though the transcation had been pending all day and had not officially gone though. In fact, the transcation didnt go through until I checked my account this morning. Looking back, I can see the typos in the attachments and signs I should have noticed. However, when youre busy, stressed, and out and about, it is easy to fall victim in these scenarios. I am hoping I have some rights here. Thank you.
Consumer complaint received 2021-02-24
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. (MI)

Is reporting opened but its closed and revolving account XXXX XXXX, XX/XX/XXXX balance unknown XXXX XXXX XX/XX/XXXX is reporting open and revolving but is closed balance unknown XXXX XXXX XXXX XXXX  XXXX XXXX is reporting opened and revolving but its closed balance unknown Inquiries : XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank XXXX reporting delinquent.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct it.
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-07-09
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. (IL)

A XXXX XXXX XXXX XXXX account appears on my credit report. I have sent an FTC report to Experian to show proof that the account was opened due to myself being a victim of identity theft. Experian removed the account once they received my FTC report. Experian recently added the fraudulent account back to XXXX XXXX XXXX XXXX requesting the account be reinserted. The creditor never provided any supporting documentation to show proof this account belong to me also Experian never sent any notice in writing to provide reasoning for the reinsertion of this account.
Consumer complaint received 2021-02-24
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. (CA)

A balance is reporting on my XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with XXXX and they have failed to correct it.
Consumer complaint received 2021-02-12
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. (CA)

On XXXX2020 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. I feel like I'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 gotten into the hands of the wrong person.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not supply under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had an account with XXXX XXXX for a XXXX vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit report.
Consumer complaint received 2022-06-21
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-12-14
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. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NJ)

I stayed in XXXX XXXX, XXXX, NJ, from XX/XX/XXXX - XX/XX/XXXX. 

My father in XXXX had passed away in XX/XX/XXXX. Therefore, I had given 2 month ( 60 days ) vacate notice, as per my discussions with the Property Manager, and the General Manager at XXXX XXXX. 

Since my father in XXXX had passed away suddenly, and in order to attend to the remaining activities, and take care of my mother, I had moved to XXXX the end of XX/XX/XXXX. 

After returning back to the United States on XX/XX/XXXX, I had found to my disappointment that the XXXX XXXX XXXX, had incorrectly reported to the NATIONAL CREDIT SYSTEM, that I had not paid the rent from XX/XX/XXXX - XX/XX/XXXX, in the amount of {$6600.00}. 

Immediately, I contacted both the XXXX XXXX XXXX, AND THE NATIONAL CREDIT SYSTEM, to remove this collection amount that was incorrectly reported to ALL THE CREDIT AGENCIES such as XXXX, XXXX, AND XXXX, that I did not owe. Despite several requests, and in person visits, they neglected my pleadings, and threatened me that I owe the XXXX XXXX XXXX.
Consumer complaint received 2022-07-28
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I did not consent to, authorize nor benefit from the following inquiries : XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021
Consumer complaint received 2021-02-24
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)

The account XXXX is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A balance is reporting on my Capital One account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Capital One and they have failed to correct it.
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Armcon Corp (CA)

I am writing to file a complaint against XXXX XXXX XXXXXXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, for a violation of the No Surprises Act. 

The patient in question is XXXX XXXX ( redacted for privacy ), who received services at the aforementioned medical facility on XX/XX/2022. The services rendered were under the medical codes : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

The issue began when XXXX XXXX went in for immunization. Prior to the appointment, the office staff verified that she was covered by our health insurance provider, XXXX. We even found the facility using our insurance 's website for " in network doctors ''. This verification reassured us that we would be covered for the services received and would not incur any unexpected charges. However, to our shock, we later received a denial letter from our insurance company and a surprise medical bill from the medical office, which amounted to a total of {$1100.00}. We appealed the denial decision with our insurance, but they provided documentation to show that they were not in network anymore. 

In an attempt to resolve the issue, we contacted both XXXX and the medical office, which led to a verbal agreement for a payment plan and a lowered bill in the range of {$700.00} - {$850.00}, to be paid in installments. We were even told that if we did not pay we would be sent to collections and then offered a " cash discount. '' As a result, we paid three installments, each worth {$140.00}, totaling {$430.00}. 

Unfortunately, I fell ill and was unable to make further monthly installments. In response, without any prior warning, the medical office sold my debt to a collection agency, Coachella Valley Collection Service, for an amount exceeding the previously agreed upon maximum sum of {$850.00}. 

This action, we believe, is in clear violation of the No Surprises Act. Despite our earnest attempts to honor the financial agreement we had entered into, the office not only reneged on the established payment plan but also escalated the issue by involving a collection agency, thereby negatively impacting our credit rating. 

In light of the above, we kindly request that the Consumer Financial Protection Bureau intervene on our behalf to investigate this issue and provide a resolution. We believe that XXXX XXXX XXXX XXXX XXXX should be held accountable for its actions, which are against the provisions of the No Surprises Act, and thus unfair to us as consumers. 

We appreciate your attention to this matter and look forward to your prompt response.