davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

I reached out to my previous broker I bought my home thru to get me set up with refinancing my home under the IRRRL program. Immediately I saw a {$6500.00} increase to my mortgage in his proposal and the interest rate was higher than his competitors interest rate of 1.98 %. I wasnt sure who is getting this money whether it was my broker or if it was the company that they reached out to you to fund the loan. After contacting freedom mortage the company XXXX XXXX reached out to I was informed by XXXX XXXX that I didnt have to pay those fees to get the IRRRL through FREEDOM MORTAGE. I was so happy I made the call to freedom. I was told that I needed to have my original broker withdraw my paperwork for loan so that I could go directly to freedom and save the {$6500.00} that I was being charged. After contacting XXXX XXXX XXXX and telling him and insisting he close my paperwork out. He said he did close out my paperwork. On the XXXX day I called with XXXX XXXX my rep from freedom Mortgage. XXXX XXXX insisted I put everything in an email. I believe XXXX XXXX will continue to push my credit score down I have gone from what he said was a good score of XXXX to XXXX in the short time I began this Refi. 
I also believe freedom will not go against XXXX XXXX for I am no one and he is a broker. I will never get the best rate available.
Consumer complaint received 2019-10-14
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: Bread Financial Holdings, Inc. (DE)

I used my credit card with Comenity Bank to book a vacation package for me and my wife totaling {$2600.00}. The travel agency was shut down due to fraudulent business practices. I filed a dispute with Comenity Bank for none receipt of services. I was given a temporary credit which was later charged back. I communicated with the bank several times for an explanation for the reversal of credit and all they explain to me was that the charge was non-refundable. It is true it was non-refundable if I cancel. But I did not cancel. The merchant is totally unable to render the services my wife and I paid for. 
I have even contacted to Comenity 's CEO because I believe the persons processing my claim don't know what they are doing. I didn't get any response. 
Attached are letters and attachments I sent/provided to Comenity Bank. 
I will be traveling starting today XX/XX/2019 until XX/XX/2019 and will have limited internet access in case you need to contact me and need a response. 
I hope you can assist me with this issue. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (SC)

My account was overdrawn by unexpected expenses after a road trip. I moved to South Carolina in XXXX, but it's been a slow process, going back and forth. I've been trying to transfer funds from my investment account, but Huntington National Bank froze my account with XXXX notice yesterday. I only found out when I called them. There were no issues with the investmet firm, XXXX unauthorized charges, and the account was in good standing before it overdrafted. I'm unable to work, as I can not buy gasoline.
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15 usc 1681 section 602 A states I have a right to privacy.

15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-20
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. (MD)

On XX/XX/2020, XX/XX/2020 and XX/XX/2020, I have asked Experian to Verify the accounts on my credit file are Accurate and complete and they have failed to investigate. According to the tracking numbers, they have been delievered and received by Experian. Over 120 days have passed and Experian has not produced the result of their investigation with an updated report on my credit file
Consumer complaint received 2020-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 there was XXXX taken out approximately at XXXX. I explained to Bank of America that it was not me being that I was at home sleeping and pregnant and that no one else has access to my card. I usually have my husband or I go with to a certain Bank of America near my home to withdraw my money. On this particular day I had my husband go in the afternoon of XX/XX/2020 he tried a couple times and it didnt seem right so he notified me I then checked my account it said it was already withdrawn at a XXXX XXXX on the other side of the city. I then filed a claim with Bank of America and filed a police report only to find out they closed the claim 2 days later. I then called to have claim opened back up which they did and I ended up speaking with someone else that told me there is not much there going to do about it and that the money missing would be my responsibility. So while I waited a week I called and they told me claim is still pending only to find out the next day I cant login to my unemployment debit card so I called and they said account is closed to contact Unemployment. Ive called a couple times on XX/XX/2020 and I believe XX/XX/2020 I also called on XX/XX/2020 and XX/XX/2020.
Consumer complaint received 2020-12-20
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. (SC)

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2020-12-18
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: EQUIFAX, INC. (SC)

On XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. Thank you.
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (FL)

I have been trying to purchase a home to sustain a life for my children and myself. I've checked my credit report and realized that there is damage information on my credit report. I have tried numerous times to get assistance on this matter. According to the 15 U.S.C law 1681 there should not be any damaging information on my report as it is a deformation of my character. I have also filed a report with the FTC regarding these fraudulent accounts.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (LA)

See Attached Docs detailing violations of consumer rights and non XXXX XXXX compliant reporting. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. 

As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking these debt collectors to provide an original contract with my signature, offer and acceptance. Copies will not suffice. 

I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. 

This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand these compaines to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation/case study and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. 

This account was never verified so leads me to believe that the CRA is just supplying egregious erroneous line items on my consumer report to willingly damage my character and reputation! Delete THIS!!!! 

I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such as that of Dixon-Rollins v. Experian Information Solutions Ive taken the liberty of attaching a copy of my most recent consumer report detailing the multiple inaccurcies and downright defamation of character being falsely report on my consumer report. Look at the inaccurate line items i.e. last verified, Date of last activity, date reported, closed date etc etc. Im dissapointed in the lack of oversight by your agency in the investigation of this matter before slapping it on my consumer report!! REMOVE THESE NOW! 

XXXXXXXX XXXX Acct # : XXXX XXXX  Acct # : XXXX
Consumer complaint received 2023-01-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBM Services, Inc. (MI)

As of XX/XX/XXXX I received a certified copy from XXXX XXXX  on XX/XX/XXXX about a balance that certified that I didnt not owe a dollar balance this letter is dated for XX/XX/XXXX. 
I have documentation from the XXXX XXXX XXXX XXXX and as of And Today XX/XX/XXXX I received a letter from ; CBM SERVICES, INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX www.cbmservices.com Reference # XXXX States as of XX/XX/XXXX A debt is owed amount {$8200.00} Which is false due to the the certified amount stated on the letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. Refer to letter attached.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I have XXXX collections that do not belong on my credit report. Unverified accounts. The first collection is XXXX for {$2400.00} Account # XXXX. The second collection is XXXX Account # XXXX. The third account is XXXX for {$740.00} account # XXXX. I also sent a pay to deleted letter to XXXX and they accepted my offer and cashed the check agreeing to delete the account. I sent a copy the letter and check to TransUnion and they will not delete this account either even though I have sent in documents stating that the account is paid in full. These collections should not be reporting and I 'm asking or them to be removed.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

I sold my home in XXXX and received a wire payment from the title company. I was paid $ XXXX too much. On XX/XX/year>, I personally paid and sent the wire back to the title company for this $ XXXX dollars the next day when I could get to a local branch. Then I continued moving from XXXX XXXX XXXX alone with my XXXX  in a rental car. On my drive to XXXX my FATHER, whom is NOT on any accounts with me and never has been received a phone call from Wells Fargo informing him my account was compromised. My parents were both with me in this XXXX XXXXXXXX to help me move. Im handed the phone and asked to come into a branch. Since it was a weekend and Im driving through XXXX  I wouldnt be able to stop until the next day when I have arrived in XXXX 
I walk into a Wells Fargo Branch and Im told my account is being closed. I cant access any funds and will have to wait until XX/XX/XXXX to receive a paper check! A paper check would be automatically sent to my OLD ADDRESS in XXXX  After XXXX hours, countless phone calls to risk management and working with a bewildered Branch Manager XXXX XXXX ( Wells Fargo XXXX location ) we have been told XXXX EXTREMELY different explanations as to whats going on with MY MONEY! I had no access to funds, my accounts compromised, my life has been hijacked and Im missing a lot of money from my account. Finally, we get the funds to be released and I have to ask family members to hold my own money. The missing money, Im told will be investigated but nothings been done. Meanwhile, its been weeks and I have no answers so I keep calling and finally make a claim for missing funds. XXXX days later theres a credit issued to a Wells Fargo account that Im allowed to open. ( Ive been flagged by XXXX XXXX and have no answers as to WHY!!!! ) I cant open another account because such FLAGS are on my name and I dont know What the heck is going on!!!! The next day, my provisional credits are reversed and the account is now negative on a weekend and yet who can give me answers? Nobody!!! This bank is the absolute WORST COMPANY and are thieves themselves! I want my missing charges returned, fix whatever the XXXX FLAGS theyve attached to my name and I letter of apology for leaving me without any money, any resources and all the XXXX theyve caused to my XXXX our life has financially been ruined over assumptions, miscommunication on their part and nobody seems to know whats going on! They NEVER FOLLOW UP and NEVER have ever told me or the branch manager a valid explanation for any of this turmoil! Its insane!!!
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (IL)

XXXX issued a refund on XX/XX/XXXX for a returned item on XX/XX/XXXX back to PayPal in amount of {$180.00}. Paypal isnt acknowledging refund issued out back to return. Ive uploaded emails and confirmation from XXXX showing proof.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Consumer complaint received 2023-05-29
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. (NV)

In accordance with the fair credit reporting XXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 A states I have a right to privacy.

Equifax as well has violated my rights as an consumer 15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.
Consumer complaint received 2023-05-21
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. (UT)

Hello so XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Utah has reported a repossession on my credit report that they then resold the car to someone else after repossession and which the only reason I know I because on this card on the subs my name is carved into them and a car had ansystem playing and I seen it was the same car as I use to have that got repossessed so I said hey can I see you subs and he said yes and sure enough the subs had my name carved in them I asked where he got car said he bought it from XXXX XXXX XXXX XXXX  for XXXX which cover the amount I owe and if a company doesnt auction the vechile and put that money towards the past due balance instead they resold car then are receiving XXXX dollars more for the car and hasnt even given me any credit in my credit report the balance is the exact same as when I got car repossessed in. Disputed they keep saying its accurate which if thats that case its illegal for them to be collecting money on the car from someone else and saying they havent received any amount for that car that they reported I havent paid any towards and they didnt recover anything or any amount of car they need to take this car as paid in settlement or something but needs to be a XXXX balance.
Consumer complaint received 2016-05-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Global Recovery Group (GA)

GLOBAL RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX use deceptive methods to collect a debt from me. They had an unidentified male contact me and claim to be law enforcement threatening to go to my home address and said I 'll be served and arrested if I did n't call in to XXXX XXXX to pay a {$750.00} credit card debt within 10 minutes on XXXX/XXXX/2016. 
They also threaten to seize, garnish, or sell property. I felt my family was in danger so I call and gave them my debit card number.
Consumer complaint received 2023-05-02
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX