davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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. (FL)

Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

1. Loan was modified. Creditor error and should not be showing 30 days late. 
XXXX Account XXXX : XXXX Creditor took 30 days to modify the loan and should not being showing as late. Please remove the 30 day late payment from my credit report 2. The Balance on this account is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Creditor deferred payments for natural disaster fromXX/XX/XXXX Thru XX/XX/XXXX. Creditor error should not be late XXXX Account Number : XXXX Deferred by the creditor for natural disaster and should not be showing late payment history. Please remove them from my credit report. 

4. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Please remove this inaccurate past due information on my credit report.

5. Monthly payments were not applied to the account or recorded correctly and was never late. 
XXXX Account Number : XXXX Never 30 days late. Please remove the incorrect late payment from my credit report. 

6. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XXXX XXXX Account Number : XXXX full termination/entire payment schedule completed for terms of agreement. Please update, correct and delete all the incorrect items 7. This is a duplicate account Sold to XX/XX/XXXXand should not be reporting twice PROSPER Account Number : XXXX Duplicate accounts should not be on my credit file. Please remove from my credit report.

8. There are multiple things that are being reported incorrectly in this account. If you can not verify please delete. 
XX/XX/XXXXXXXX Account Number : XXXX Please update and delete all the incorrect items. 

9. There are multiple things that are being reported incorrectly in this account. If you can not verify please remove. 
XX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The CBE Group, Inc. (AR)

CBE COLLECTOR KEPT CALLING MY CELL XXXX AND MY WIFES CELL XXXX 13 TIMES AFTER CEASE COMMUNICATIONS THEY COLLECTING A DEBT FOR XXXX XXXX.
Consumer complaint received 2020-10-07
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: Santander Consumer USA Holdings Inc. (TX)

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2020-10-07
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: MOHELA (FL)

I formally requested for MOHELA/XXXX  # XXXX to remove this fraudulent account wich is not mine and the result of Identity theft, i have provided then with all documentation of th illegality of the same account
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NC)

I called ABILITY RECOVERY SERVICE on XX/XX/2020. To request validation of debt.

.which is showing on my credit report as being opened on XX/XX/2020. which is incorrect. I requested original creditor name, contract signed, and the amount of debt.

I received no response. On XX/XX/XXXX I disputed this debt with credit bureaus ( XXXX, XXXX, and XXXX  stating needed original creditor, and validation of debt. XXXX responded on XX/XX/XXXX stating debt remains and its listed as accurate.

Account Name ABILITY RECOVERY SERVICE Account Number  XXXX Date Opened XX/XX/2020 ( incorrect ) Status Collection account. {$2000.00} past due as of XX/XX/2020.
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Service Finance Holdings, LLC (CO)

Service Finance Company provided me, via my HVAC contractor, a loan for critical air-conditioning repairs during a 100 degree heat spell. The HVAC contractor did not fix the issue properly and Service Finance Co. initiated the loan prior to my final authorization-which violated their policy and contract requirements. Service Finance Co. subsequently started billing me and attempted collections-even though I had to hire a new HVAC company to complete the original work-and they understood that fact. They paid, erroneously, the original contractor for shoddy and incomplete work. Service Finance Co., after I initiated a complaint with them, decided to negate the contract and forgive the loan. I have numerous emails from them corroborating this. However, they continued to send me billing notices and did collection phone calls to me almost daily. They reported me delinquent to all three credit reporting agencies-and after months of trying to correct the situation, Service Company has not been responsive or living up to their agreement. The credit agencies won't budge either. I need assistance getting Service Finance Co. to correct any and all negative information with the three ( 3 ) credit reporting agencies. Thank you!
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Refinanced primary residence on XX/XX/XXXX and loan was paid in full. 
Dovenmuehle Mortgage company auto-drafted loan payment on  XX/XX/XXXX after loan was paid off. 
Called Dovenmuehle on XX/XX/XXXX to inform them of the extra payment & the escrow amount owed. They told me the checks would be cut in a week and then placed in the mail ( 7-10 days for delivery ) Called Dovenmuehle again on XX/XX/XXXX. Again, they told me the checks would be cut the next week and then placed in the mail ( 7-10 days for delivery ) Received Mortgage company checks for the  escrow amount on XX/XX/XXXX but NOT the additional mortgage payment Called Dovenmuehle again on XX/XX/XXXX to inquire about the remaining balance ( {$3500.00} ). Company placed another work order and  assured the check would be cut on XXXX and mailed. 
After no check was received an no activity on the account, I called on XX/XX/XXXX and spoke to a supervisor. He told me the previous 3 work  orders were done incorrectly and assured me that the money could be wired later that day. I submitted a voided check at XXXX with the routing information. 
After no funds were wired as of noon on XX/XX/XXXX, I called the company yet again. The company says they can not wire the funds for 5 days. 
According to XXXX escrows should be paid in 20 business days. This has been over 30 business days with multiple attempts to resolve this with the Dovenmuehle customer service representatives.
Consumer complaint received 2020-10-14
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. (LA)

I sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (MI)

I paid off my Discover Credit card at the beginning of this year due to predatory interest rates. I was asked if I was sure and told it would be terminated by midnight. About a month later, I received a bill for a dollar and some change. I called to explain the account was paid, and it was confirmed it was indeed paid. I was then told they forgot to charge me and so I needed to pay in order to re-close the account. After paying more than twice the amount I charged, I said you can't reopen an account with an oops and begin charging again. I told it was closed, received a letter that it was closed and will not give them another dime. I continued to get bills with an increase of about a dollar a month. I called again and went thru the same mess. I then told them to stop billing me. I began receiving calls about the past due amount, went thru the same discussion again, and told them not to call my phone again. I've continued to receive bills and phone calls, with the most recent one being tonight at XXXX XXXX. from phone number XXXX, in which I told him to leave me the XXXX XXXX XXXX alone. This is harassment, This is debt XXXX, debt slavery, debt XXXX, and continued bulling through out the day and night. Please help me from this greedy, unethical, unprofessional, abusive, XXXX credit card company. I destroyed earlier bills but have copies of last two months. Please review the entire account, as the amount in the past 6 months were not consistent. I believe I destroyed a bill for {$10.00} and change, but now the amount due is lower. Check my entire history with these gansters!
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

The reason for my dispute is Sequim ASSET SOLUTIONS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, SEQUIUM ASSET SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) SEQUIUM ASSET SOLUTIONS  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation SEQUIUM ASSET SOLUTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. XXXX  I fail to see where XXXX XXXX XXXX  is in compliance with OHIO LAW. I also have reported this account to the FTC, and  XXXX Police Dept. I need this collection account to be removed from my credit report. SEQUIUM ASSET SOLUTIONS  XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-10-14
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

When I came to cfpb to report unethical practices of XXXX XXXX, they began to change the documents. I have a document stating that the charge off numbers and interest were the wrong amounts and it would be corrected. I also have document showing that they were to remove this from my credit reports in XX/XX/2020, which they did not. On XX/XX/2020, after I filed to the cfpb XXXX  XXXX  conspired with Mercantile. I received a letter in the mail from Mercantile adjustment bureau LLC trying to collect a debt that XXXX  has already admitted is the wrong amount and should be taken off my account in XX/XX/2020. 

XXXX XXXX  rushed to send this to Mercantile after I reported to cfpb to harass me.
Consumer complaint received 2020-10-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

3 months ago I sent a dispute letter for these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). Experian/XXXX/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Consumer complaint received 2020-10-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

3 months ago I sent a dispute letter for these accounts XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). XXXX/Equifax/XXXX are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Consumer complaint received 2020-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In the process of a home sale - the buyer 's title search discovered separate entries for the original mortgage with Bank of America as well as a 2nd mortgage ( home equity ). All communication with Bank of America throughout the life of the mortgages ( they were bought from Countrywide ) were in reference to a single account owed which  included the original mortgage ( XXXX ) and the home equity ( XXXX ) consolidated into one.

Once discovered the multiple mortgages filed with the country we have tried to get this resolved with Bank of America who have expressed multiple times that there is a singular account to be owed and that there must have been a clerical error in which the consolidation wasn't provided to county and that XXXX  is owed on that 2nd mortgage. We ge
t a claim number and the case keeps getting closed with new payoff letters that just address the singular account.

The math is simple to prove that the account is the combination of both the original and the home equity. 

XXXX original mortgage XXXX 3 years of payments of approx XXXX/month XXXX - home equity XXXX ( XXXX to homeowner plus closing fees ) - new mortgage filed XXXX Clearly the amount owed prior to the home equity was approx XXXX and the new amount brought the mortgage owed to XXXX. 

The inaction of Bank of America to rectify this bookkeeping error has held up a home sale that is needed in these tough economic times. 

We have agreed to close on the mortgage that Bank of America acknowledges and hold the XXXX in escrow to protect the buyer while we settle this but that isXXXX profit that is needed and owed. 

We need help getting Bank of America to issue the proper XXXX balance on that 2nd mortgage and acknowledge the obvious that it was consolidated.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To whom it may concern, I was just looking through my credit profile and there are a lot of inaccurate information which i would like removed from  transunion, XXXX, XXXX  and other credit reporting companies. All of the following addresses are wrong and I would like removed off my file as these are not my address. The following addresses need to come off my report XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nj. The only address that is mine and accurate is XXXX XXXX XXXX XXXX NJ XXXX. As for my legal name you guys gave me down for multiple different names the only name that should be on my file is the following XXXX XXXX XXXX XXXX. Lastly my employment information is all inaccurate. The only employment on file that is accurate is XXXX XXXX XXXX.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I tried to pull all three of my annual credit reports on XXXX, they all yielded errors. When I tried to pull XXXX  and Transunion, their site said an internal error had occurred and to try again later. 

XXXX  said something to the effect of " a condition exists that prohibits us from giving you your credit file online ''.

When I retried a week layer ( as is permitted under the new law to due with COVID-19 ), the website continues to tell me that i've already retrieved my annual credit reports " for this year '' and to come back next year.

There's a number of problems with that. As there is no way to contact www.annualcreditreport.com ( other than to give feedback -- they say not to give phone/email/personal info, as they have no way of
responding and will not respond ), I see no choice but to file a complaint with the CFPB.

Please assist me in sorting out the problems with ACR.

Why does their system not let me retry when there was an error on THEIR side? I understand that the XXXX  situation was perhaps out  of their control ... but the problem with TransUnion and XXXX  was *clearly* state to be an " internal '' error and to retry later. ( What does " later '' mean, if not right away or 7 days later? ) They do not appear to be aware of this issue with pulling credit reports. Ostensibly, they're still under the impression that I can only get them once per annum, but ( a ) that's not correct and ( b ) law permits me to get it weekly.
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Bread Financial Holdings, Inc. (FL)

Company was asked to provided written documentation of signed contract for services provided and did not do so. XXXX investigated and did not provide proper documentation to me either and continued to report this debt on my credit report when XXXX XXXX and XXXX  removed before sufficient documentation was unavailable.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

A supervisor by the name XXXX XXXX with FLAGSHIP CREDIT ACCEPTANCE approved my 60 day ext XX/XX/20 I emailed him multiple times and he was supposedly not available for 30 days. I was called repeatedly by different representatives saying I was behind when in factuality I wasnt. They failed to update my account consistently. They reported me being late 60 days and Ive never had a late payment and they dropped my credit score 90 points and Im in the midst of buying a home for my family. I have the documents to prove this extension was approved and they sent me a letter saying the update was accurate, this is violation of the FCRA!
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (AL)

My company closed and I was laid off work 2 yrs ago. I paid my debts as long as I could until money ran out. I was not able to pay my XXXX card last year. Calvary Portfolio assumed the debt. In XX/XX/XXXX, I started working again. I called Calvary Portfolio to see about paying my debt. By the time they sent me settlement letter in XXXX, the debt was moved to XXXX XXXX XXXX, XXXX. I contact them for a settlement letter. I finally receive one after calling several times. I try setting up payment arrangements online in XXXX. After going back and forth with them for a month, they finally tell me the problem is, they no longer have my debt, nor account. I need to contact Calvary. After repeated emails and phone calls, Calvary just won't respond. I finally hear from Calvary in XX/XX/XXXX after having to open A XXXX  complaint. They tell me my debt is now with XXXX XXXX XXXX lawfirm. I repeatedly call and email them with no repose. I open a XXXX complaint with Calvary in XX/XX/XXXX. They tell me they authorize this law firm to work with me on their behalf. I get in touch with XXXX XXXX at XXXX XXXX XXXX. We agree to settle on {$140.00} per month, for 12 months. She said she was mailing something in the mail this week. To date, I have not received anything from her. I have numerous phone messages over the past 2 weeks since I only get voicemail. They say they will return a call within 1 business day, but they never do. I open another XXXX  case against Calvary but I'm told it does not meet their criteria. Calling Calvary does nothing. I can't get through to anyone. What do I do? Not to mention, if you XXXX XXXX XXXX XXXX lawfirm, a lot of people are saying it's a scam and ripoff company, so I'm even more fearful of sending them any money.