davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (GA)

I was contacted by Freedom Mortgage that, as a courtesy, they could reduce my monthly payment without adjusting the term. It was portrayed as a courtesy and not as a full blown refi. There were to be no closing costs and all I needed to do was answer a couple simple questions regarding my current financial status. 

I considered this a great service as I have two loans with Freedom Mortgage, never missed or was late on a payment, and have a credit score over 800. 

On the morning of Thursday XX/XX/XXXX the sales rep ( Badge XXXX XXXX took my info and simply said she would call me back once everything was complete. No additional details or information was provided and nothing further was to be done from my side. 

She called back that same day : XXXX - no voicemail XXXX - no voicemail XXXX - voicemail " Hello this is XXXX giving you a call from Freedom Mortgage. Please give me a call back when able. My number is XXXX. Thank you. I look forward to speaking with you soon. 
XXXX - no voicemail No other messages or calls were received after this. 

Wednesday XX/XX/XXXX A letter is received stating : " We have received your request to withdraw your loan application and have cancelled your application request. '' I made no request to do this. 

Thursday XX/XX/XXXX I call Freedom Mortgage and get transferred to the sales agent above. She states that since I did not contact her within 3 days then she is obligated to cancel my loan. First time ever hearing that requirement. 

PLEASE NOTE : 1. She never stated any timeline to complete this refi process during the phone call review 2. She never stated any sense of urgency or timeline in her one voicemail 3. No message was received via e-mail ( all my information is in my profile including secondary numbers ) 4. No additional follow-up happened after that Thursday XX/XX/XXXX by anyone else at Freedom 5. If there was truly a 3 day window to review this application then why is the letter stating my loan has been cancelled dated XX/XX/XXXX ( TWO days later ) 6. She also stated that because it was on a weekend that the deadline hit that there was nothing she could do. 

MY CONCERNS : 1. My credit was hit 2. I have zero to show for it and a truly negative experience with a company I am in good standing with 3. She is obviously quickly selling loans and not positive financial experiences. Churn and burn sounds like the strategy - which leads to mistakes and people being taken advantage of. 
4. There is nothing but smoke and mirrors with this entire process by Freedom Mortgage 's rep. Hopefully this is not the overall strategy and this is only an error by one rep. 

While there is likely nothing to be done to rectify the impacts of this shady sales experience my hopes is that others can learn and perhaps additional measures can be implemented to ensure proper practices. This likely falls under Reg Z.
Consumer complaint received 2023-05-13
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

A family member stole a debit card to one of my checking accounts without my knowledge or consent. She took the card out of my purse unaware. I have four accounts at BOA and I did not know the card was missing until one day I went looking for it. I thought I had misplaced it. A few days later, I was looking in my purse for something else and the card was placed back into my handbag. My niece is the only one that comes and go into my home at will, because I help her with her children, and she has done this to me before. She has used my credit cards before with out my knowledge or consent. I was angry at my niece for stealing from me as she has done on more then one occasion. This time I filed a police report to have her charged and arrested for stealing my credit and debit cards. 
I filed a fraud claim at the Bank Of America and even though I sent in the police report, I was denied my claim of almost {$7000.00}. The claim was for almost {$9000.00} when I filed it. I was granted some but not all of the same claim that I had summited. They know this is fraud but refuse to refund my money. I don't have this kind of money to give away. The claim number is XXXX. I am also sending complaints to all the media outlets. BOA should be ashamed of themselves.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX BANK XXXX XXXX Balance : {$27000.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

A debt with XXXX was settled with the original creditor ( XXXX ) prior to being sent to collections. XXXX has agreed to remove the account from my report however Transunion will not remove the account nor will they allow me to open a dispute with them.
Consumer complaint received 2021-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. A nonprofit organization where I am the checking account holder with Bank of America, we received a XXXX  first draw loan through Bank of America in XXXX. 

2. We are eligible for loan forgiveness through the federal government and BOA finally made the portal available again a few weeks ago, but we are having trouble applying. Specifically, when we attempt to log in to the BOA loan forgiveness portal through the link provided to us by BOA in the repeated emails they have sent us, it states that we have no loan associated with the userid ( XXXX ), when in fact we do have both a first and second draw XXXX loan associated with that ID. 

3. On XXXX XXXX, XXXX, nearly a month ago, I called Bank of America regarding this apparent Online ID issue preventing us from applying for XXXX loan forgiveness. I spoke with XXXX, who created a case, XXXX # XXXX. 

4. Unfortunately, we have not heard back from the XXXX created on XXXX XXXX, XXXX with BOA. We are eager to put in our application for XXXX loan forgiveness and we keep trying to use the link to log in, even as recently as today, but it still isn't working.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the XXXX bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation
Consumer complaint received 2022-11-22
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: SAN DIEGO COUNTY CREDIT UNION (CA)

XXXX XXXX I MOVED OUT OF RESIDENCE XX/XX/2021 UNDER AGREEMENT BY LAW. THERE WAS NO BALANCE DUE AN ACCOUNT WAS OPENED FRAUDULENT IN XX/XX/2021 I REQUESTED DOCUMENTS OF CONTRACT, SIGNATURES AND DISPUTED NO DOCUMENTS EVER WAS RECEIVED NOW STATUS IS IN COLLECTION. 
THIS IS AGAINST THE GUIDELINES ALSO XXXX IMPROPERLY SENT XXXXXXXX XXXX INACCURATE CREDIT SCORE WHICH I WAS DENIED A ACCOUNT BECAUSE MY CREDIT SCORE IS XXXX NOT XXXX
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the XXXX bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation
Consumer complaint received 2016-09-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: NORTHWAY BROKER LTD. (AZ)

Hello, in about XXXX or XXXX I had received a payday loan from 247 green street which I believe I paid off just not in a timely manner. I also received a pay day loan from Greenstreet Payday loan. I 've been going through some financial hardships in the past few years due to a horrible relationship. Although I placed greenstreet payday loan on my bankruptcy. I 'm unable to get another pay day loan. And due to recent issues that have a risen once again that would benefit me greatly. I hope you can help me with this. Thank you very much.
Consumer complaint received 2017-10-17
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: EQUIFAX, INC. (TN)

I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX  has my addresses correct and most of my older accounts, but XXXX and Equifax and XXXX do not. If XXXX could share these records with the other bureaus my information would be more correct.
Consumer complaint received 2023-01-03
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. (GA)

XXXX and Equifax is still reporting an account on my credit file my XXXX XXXX XXXX. If XXXX and Equifax review the response from XXXX XXXX XXXX from Consumer Financial protection bureau web portal report number XXXX. Response was submitted by XXXX XXXX XXXX on XX/XX/2022 which states they dont own the account and according to the Fair Credit Report Act if you dont own the account you can not report any accounts the someones credit file. XXXX XXXX XXXX has not right to report this account. This is a serious and fraudulent account that you all are allowing XXXX XXXX XXXX to report. I have attached a copy of their response which states they are trying to collect on the behalf of someone else. Again XXXX XXXX XXXX does not own this account and legally they can not report it. So at this point Equifax and XXXX is liable as well.
Consumer complaint received 2023-05-17
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 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, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have also been effected by the Equifax information breach and have filed a complaint as well.
Consumer complaint received 2022-11-25
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 XXXXXXXX XXXX XXXXXXXX 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 2023-05-17
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. (IN)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-11-14
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. (FL)

In accounts below has violated my friendly protected consumer rights to privacy and confidentiality under 15 USC 1681 right Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. States i have the rights to privacy 15 U.S.C 1681 A. Section 2 : it also States a consumer reporting agency can not establish an account without my written instructions
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance XXXX {$3200.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$26000.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$22000.00} ; AD XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$13000.00} ; XXXX XXXX IN ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX 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
Consumer complaint received 2023-01-04
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. (OH)

I submitted a dispute to TransUnion about a XXXXXXXX XXXX on my credit report and I even contacted XXXX and they also said I never had any account in my name but TransUnion said I did and they won't take it off my credit report, it says it was in XXXX And balance says {$1800.00} but I never had any service through XXXX
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (TX)

Received email to access XXXX XXXX XXXXXXXX XXXX on XX/XX/23 from Myprepaidcenter.com. Retrieved card and activated on XX/XX/23. Terms and conditions state that an inactivity fee of {$5.00} will be charged after XXXX months of inactivity. An inactivity fee was charged on XX/XX/23, which is a little over XXXX month. Called Customer Service number XXXX and there is no option to speak to a human or any way to get this corrected. NOTE : This card was sent to me in settlement of the XXXX data breach.