davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I had a problem with PayPal and it's use of my credit cards on their platform and was forced to close my Paypal user account. It also had the wrong email address and did not have a way for me to correct it. Since then for over 1 year I have not been able to log on to my Syncrony bank credit card app because they claim it is forever linked to my PayPal online payment account, even with a newly corrected email and PayPal account they claim that there is no way for me to login and check any transactions on my Syncrony Bank issued credit card, I have no way to check purchase history of my credit card, nor have I received any paper statements.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (NC)

I had Chime card for over 2 years. I applied for a loan for my business it was a XXXX LOAN I received XXXX and it was working the all of a sudden they ( Chime ) closed my account with XXXX still in my savings. I called Chime and they wont tell me any info besides I broke a compliance with Chimes regulations but Im not sure how when I was Doing the same exact payments since I have had the card the past 2 years! All of sudden they close my account and say they will mail me a Check if I had money on there! But I did I had XXXX in the savings this was to help me pay my business and employees!
Consumer complaint received 2021-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (ME)

In XXXX of XXXX Lakeview Lan Servicing LLC ( subservicing by XXXX ) contacted us and stated we had not made our XX/XX/2021 mortgage payment. We submitted proof the payment was made electronically by our local bank, XXXX XXXX XXXX. XXXX later sent us a letter telling us it was their mistake. 

XXXX sent us an email around XX/XX/2021, stating they had not received the XX/XX/2021 payment. I called and spoke with XXXX and XXXX on XX/XX/2021, and told them our bank, XXXX XXXX XXXX, had electronically paid them on XX/XX/2021. So the XX/XX/2021 payment was made a day EARLY. I later confirmed that by contacting XXXX XXXX XXXX. 

Yesterday, ( Saturday XX/XX/2021 ) we received a letter from XXXX stating we had not made the XX/XX/2021, mortgage payment. They assessed a late fee of {$22.00} and stated we had not made the XX/XX/2021 payment. 

We have been paying XXXX the exact same way since the inception of the loan, ( about five years ) which is through a bill pay service with XXXX XXXX XXXX. The payments have been sent automatically since the inception of the loan. 

XXXX is claiming they have not received the payment for XX/XX/2021. I checked our XXXX XXXX XXXX account on line and the payment was debited from our account on XX/XX/2021. So it was paid early. 

Our account number with XXXX is : XXXX My phone number is : ( XXXX ) XXXX LoanCare phone number is : XXXX XXXX  address is : XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (CA)

I am submitting this complaint because I received a letter a few months ago from Velocity Investments LLC. I assume that the letter was a scam because I knew nothing about the stated debt and did not reply to that letter. 
On XX/XX/XXXX I received an email from XXXX ( XXXX XXXX XXXX ) about the same debt which they were now collecting for Velocity Investments LLC. in the amount of {$1400.00}. 
Please note that XXXX XXXX XXXX Email dated Wednesday XX/XX/, is acting on behalf of Velocity Investments LLC. who stated they assumed the debt from the XXXX XXXX XXXX. 

They stated that as of XXXX XXXX that I owe {$1400.00}. I mailed a certified dispute letter to XXXX on Wednesday XX/XX/XXXX to dispute the collection letter received. I requested they correct their records regarding this invalid, non-verified debt and to discontinue any type of communication regarding that debt. 

Please note that the dispute letter was sent to XXXX physical address only as reflected below. The po box is provided for references only. 

XXXX XXXX XXXX ( XXXX ) ( Physical Address ) *XXXX XXXXXXXX Address Formerly Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

Sequium added an account to my credit that does not belong to me. I never received any notice, letter, or contact from this company and never heard of them until I checked XXXX XXXX. When I call Sequium ( FOCUS RECEIVABLES MANAGEMENT ) no one answers and the voicemail is full. I have sent several emails that go unanswered. I have never had a XXXX XXXX XXXX account. This account does not belong to me. I sent Sequium a letter to dispute XX/XX/2020, got no response. As of today, no reply has been received. Sequium first broke the law by failing to provide any notice before it was added to my credit. Sequium continued collection activity after I contacted them by verifying the item with all three major bureaus while ignoring my request for verification. This is wrong and illegal ; Sequium has no signed contract, no audio recording, no e-signature, nothing to verify this is mine because it is not my account. 

I do not even know the address where the service is located because no one responds. Also. I am a former XXXX XXXX XXXX employee, but I have never had the service.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Recovery Solutions LLC (MI)

Hello, On XX/XX/XXXX, I received 2 phone calls and 2 texts. The 2 texts stated that " documentation has been received including my name and SSN ''. The same day XXXX received a voicemail at XXXX XXXX from a guy by the name of XXXX ( pronounced Read-in ), phone number XXXX, stating that he was an Identity Monitoring Specialist from some so-called " Benefits Service Center '' and he had information that needed verification and to return his call. I did not return this call due to it sounding like a scam. 

On XX/XX/XXXX, XXXX XXXX from " ARS '' at XXXX XXXX called from XXXX. She claims to have my credit report in front of her stating that I owe money to an account already paid. I have looked at my XXXX, XXXX, and XXXX to prove that the account mentioned was not on the reports. When I asked for a letter VIA mail ( rather it be USPS, XXXX, or XXXX ) she responded that letters have been sent and I had 30 days to pay and it would be a waste of time to send a letter. She told me to provide proof that it was paid off. To my understanding, I believed that the debt collector was obligated to provide and/ or have all required information regarding the said account. She failed to respect my request so in return I respectfully told XXXX that I paid the account and I am not paying something twice. Not to mention she was very rude towards the end of the call telling me " is it really that hard to get proof from 13 months ago ''? She told me goodbye and hung the phone up before I could complete my portion of the conversation. 

Another company told me the account was closed back in XXXX meanwhile this company is stating its been closed for 13 months. 

I will not be another victim of a scam and will ignore all other communications with this company. 

The company they state I owe will not allow new lines of credit if one owes a debt. I've made future purchases with this particular company and would only be possible if past debts have been settle/ paid.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MiraMed Revenue Group LLC (MI)

Miramed revenue group. On XX/XX/XXXX I paid a {$90.00} collection bill with them. I recorded the call and was told that the bill would drop off of my credit if I paid it. It didnt drop off of my credit. The status was only updated to paid which still shows up as bad. The company wont answer the phone. I paid the full balance and the entry should be deleted completely from my credit. 
The exact same thing happened with XXXX XXXX a few years back. I agreed to pay the debt after the agent explained that it would be removed from my credit completely, not only updated to reflect paid. After years of going back and forth XXXX has still not removed the debt in its entirety off of my account. Legal representation had to finally be deemed due to this.
Consumer complaint received 2022-06-23
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)

department of education in accordance with the fair credit reporting act XXXX  acct # XXXX # XXXX # XXXX I have the right to privacy 15 u.s.c 1691 section 604 section 2 states a consumer can not furnish an account without my written instructions rights under 15 USC 1681 15b us code 1679c # XXXX # XXXX # XXXX
Consumer complaint received 2023-06-12
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. (FL)

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I had a loan with XXXX XXXX that was refinanced on XX/XX/XXXX. On XX/XX/XXXX, the escrow company wired {$380000.00} payoff funds to PHH. We did not make the XX/XX/XXXX payment, so we called PHH to confirm if they had received the funds. They were not able to send confirmation and said that it would take XXXX business days to receive and apply the wire to our account. Since we didnt want to get a late credit report hit, we made an additional monthly payment on XX/XX/XXXX. 

As of XX/XX/XXXX, PHH had still not applied the payoff to our account, and we noticed only because I checked my online account to confirm the loan was closed. I called PHH to ask why. They told us that the funds were short {$2000.00} but they never contacted us or the escrow company nor returned the funds, they held to them. The amount that they say they were short is for taxes that they removed from our account but did not pay to the county, and furthermore, they had an additional payment from us, we are not short paid, they have excess funds from us. From XX/XX/XXXX to now, we have called numerous time XXXX both me and the escrow company ). We have sent them all the necessary documentation that the front-line customer service representative requests, but they do not do anything to fix the account and apply the payments. We were told that our case is with XXXX XXXX, the escalations manager and XXXX XXXX XXXX, the manager of the department. Every time I call for the last month, I get a promise that XXXX will give me a call back by the end of the day or even 48 hours and never does, it has been a month. As of now, I have not been able to speak to anyone that can give us a resolution. Not even a call back to say they are working on it ; they simply just do not call back. Also, as of now, even though I have asked multiple times that this should not be reported as negative credit, they have reported us late. It is very frustrating, and not sure if its even legal that they can keep such a big amount of funds in a suspense account and keep my account accruing interest and late fees.
Consumer complaint received 2022-05-20
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. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-09
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. (OH)

XXXX of XXXX  I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.
Consumer complaint received 2021-09-13
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: PNC Bank N.A. (FL)

On XXXX I noticed that my credit card payment was for the full amount of over {$2500.00} when I ment to do {$500.00}. I got a confirmation number XXXX and was told 3 business days. It was not resolved and I was told Thursday at XXXX CST and nothing. Same promise on Friday. I called Friday evening and supervisor XXXX said nothing was done or expedited. I called Saturday and they said Monday. Here we are XX/XX/2021 which is 6 business days later and 10 days incl weekends and they said 4 business days. My account is negative and needs resolved and they refuse to help. They are giving me misleading and false information to resolve this issue.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BARCLAYS BANK DELAWARE (MD)

Barclays Credit card Company XX/XX/XXXX charge {$3500.00} XX/XX/XXXX Credit {$3500.00} XX/XX/XXXX charge XXXX XX/XX/XXXX. Credit XXXX I disputed these charges to the credit card company as well as wyndam. 

A compliant was filed and they agreed to credit my account for another {$3500.00} and {$1000.00} for all other payments received. 

On XX/XX/XXXX I receive the reimbursement. 

On XX/XX/XXXX they charged back the {$3500.00} and {$1000.00}. 

They have ruined my credit and refuse to readjust the amounts owed to me. Please help me.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

Account : 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 2022-12-20
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: AMERICAN HONDA FINANCE CORP (NY)

I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. 

XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX XXXX Account AMERICAN HONDA XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX INQUIRY Unverified Account XXXX XXXX Unverified Account XXXX XXXX/HONDA OF XXXX XXXX Unverified Account XXXX XXXX Unverified Account
Consumer complaint received 2021-05-17
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. (TN)

I have 6 opening account with XXXX  XXXX XXXX which is a student loan I been having for 2 years and longer. All three credit bureaus have not been reporting this account open but closed and still showing in good standing. My question is how all 6 account arent been reported to my open history age on my report. Another issue is I having a lot of inquires on my credit report which hasnt been taken off because I havent authorized no one to I pull my credit profile. Lastly, XXXX XXXX auto finance have not been sending me a bill in the mail for over 3 years but my payment statuses isnt correct and needed those negative payment history to be removed.
Consumer complaint received 2022-04-24
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. (CA)

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 U.S.C 1681, the four following accounts listed below has VIOLATED MY RIGHTS XXXX XXXX XXXX, Original Creditor XXXX XXXXXXXX XXXX XXXX Account # Listed Below XXXX -Amount {$490.00} has violated my rights. 

** XXXX XXXX XXXX XXXX - Account # XXXX - Amount XXXX ** XXXX  XXXX Child Support - Account # XXXX - Amount {$0.00} ** XXXX XXXX XXXX XXXX - Account # XXXX - {$0.00} 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 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 2021-05-13
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. (TX)

It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to XXXX XXXX XXXX and Experian XXXX continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX  XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, AD XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX SVCS # 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 I have not XXXX ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.