davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

SPS Mortgage servicing is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating  the credit score ca using the score to be lower by  XXXX  basis points. I have contacted SPS regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year. SPS corrected my credit reporting for all  XXXX  credit bureaus and   XXXX   for my husband. When I contacted  SPS  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's   XXXX   report back to the incorrect reporting and then started reporting his account under my son 's credit reporting  ( so n is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers o ur credit score   XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when   XXXX   was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have b een trying to get SPS t o fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and  XXXX  can low er my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (NC)

XXXX and Perfection Collection have attached my social security number to someone else 's debt. They installed an alarm system in a house in TN for an individual with a similar name as mine. A name that I have not used in over 20 years due to divorce and remarriage and I live in NC, and have never owned property in TN. I filed XXXX disputes with transunion and perfection collection still claims this is my debt. I am filing a police report on monday and filed a dispute with XXXX today. I requested a copy of the original sales contract to verify where they have obtained my social security number but I have not received a copy as of yet. They have illegally accessed my social because I have not applied for any service or loan with them.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This complaint is regarding account # XXXX '' payment after charge off/collection, purchased by another lender '' which you claim that has verified that account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.This is a formal notice that your claim is disputed. Any automated response or XXXX verification is unacceptable. I requesting a reinvestigation and last chance to provide me method of verification I am requesting validation, made pursuant to the Fair credit reporting act along with the corresponding local state laws.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

In XXXX of XXXX I noticed a debt collection listed on my XXXX credit file with Syndicated office Systems aka Central Financial Control that was fraudulent in the amount of XXXX. I immediately contacted them to dispute the item. I have been disputing this debt with Syndicated/Central Financial to no avail. I had previously provided an affidavit and police report of identity theft requesting the debt be removed due to fraud. I spoke to an representative numerous times for almost two years and nothing has happened. I continued to send the affidavit and the police report for now almost two years. I call and now they tell me that they will only respond to me via me making a fax request as it has been reported as fraud. I do n't know what else to do when I have provided the identity theft police report and affidavit of identity theft as to this XXXX debt. It has affected my ability to obtain credit for almost two years now and has caused me irreparable harm.
Consumer complaint received 2019-10-05
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. (SC)

To Whom It May Concern, The reason for my dispute is XXXX   XXXX XXXX # XXXX****, # 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, XXXX XXXX XXXX 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 ) XXXX XXXX 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 violationXXXX XXXX XXXX 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. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2017-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

-HELOC with Capital One that matured in XX/XX/XXXX ; payments were made timely until refused during XX/XX/XXXX. I learned via a credit report review in XX/XX/XXXX that Capital One was reporting the matured loan delinquent and in foreclosure. I had not been notified and began disputing the negative reporting. Capital One send me a notification to apply for a loan modification. I applied in XX/XX/XXXX and was approved on XX/XX/XXXX. I accepted terms and sent notice to Capital One on XX/XX/XXXX. Yet, Capital One continued to report negatively while processing, contrary to the commitment letter terms. -A verbal rescission of modification ( received via phone ) in XX/XX/XXXX, citing an underwriting error ( due to my property being an owner-occupied 4-unit property ). I was told that the matter was under review and I would be contacted. I was not contacted again regarding the modification and subsequent calls yielded no further information. -I was advised to contact an attorney to learn more about the foreclosure proceeding status. Once reviewed, the attorney determined that the credit delinquencies were in error, as the note matured and the suit filed was not a foreclosure, but a suit on a note. A communication was sent asking Capital One on XX/XX/XXXX to correct the errors, as the inaccurate reporting was having a negative effect on my credit score/report making it difficult to obtain a loan through another lender to pay off the Capital One loan. -On XX/XX/XXXX I received an alert from the credit bureau that Capital One changed the status from " foreclosure pending '' to " Bank Adjustment, Deed in Lieu, or A Bank Liquidation status ''. This is also inaccurate, as Capital One has not replied to communications or notified me as to next steps. Subsequently, this update has dropped my score by an additional XXXX points.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Management Control, Inc. (IL)

I had no idea I had an outstanding debt with XXXX. I did not once receive a call or email in regards to this debt. I believe this is a debt collector from XXXX, in which they ( XXXX ) has always kept my up-to-date contact information. Therefore, I would like to respectfully dispute this claim.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

I'm submitting a complaint seeking protection of my personal Credit Scores, my Credit Report, my Privacy, my private financial situation enforced by the applicability of the federal laws to restrict UNFAIR, DECEPTIVE and ABUSIVE acts. 

Copy of a motion was forwarded to me by my Ex-Wife who has a foreclosure Dispute and is the only owner of the house in dispute. 

My Ex-wife notified me that : her Credit Report was compromised thru the foreclosure dispute, and that Her Credit Scores Decreased almost to the minimum. 

I dont want, the same situation to happen to me. 

Bank of America authorized Law Firm to publish in a Local Newspaper an EDICT including my name in a FORECLOUSURE DISPUTE, that : I am NOT A PARTICIPANT, I WAS MARRIED UNDER A MARRIAGE CONTRACT, ACTUALLY I'M DIVORCED, the address submitted to the court doesnt exist, and I didnt authorized the use of my personal information. 

That documents are clear and were revised by the Bank Agents and The Law Firm, prior to publishing my name in relation to a Foreclosure Dispute AND connecting it, TO An incorrect FINANCIAL PRIVATE INFORMATION DISCLOUSURE. 

The Financial Institution BOA thru LAW FIRM acted in detriment of my Human Right, my Intimacy, Private Financial disclosure, while exposed my personal Financial situation INCONSISTENT AND NOT REAL with the information thru the publication of an Edict in a local newspaper with my name included. 
with evidence : that when my name was published thru a local Puerto Rico newspaper, I was exposed to Public " mockery '', defamation etc., in which Privacy Rights were violated and are also, related and included in to the Federal Consumer Financial Laws. 

I'm submitting a complaint seeking the applicability and enforcement of the Federal Laws to Restrict Unfair, Deceptive and Abusive acts. " I'm not related to the Property and the Bank knows '' BECAUSE THAT ACTION AFECTS DIRECTLY MY CREDIT REPOR AND MY CREDIT SCORES.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC (AL)

This is with Credit Central of XXXX Alabama, fell behind on loan and can only pay XXXX biweekly, yet company continues to call my job after my manager and i both asked not to call. XXXX store manager advised if i paid my bills they wouldnt call with a very nasty attitude. This company is not professional and very belittling to clients. Since they are not governed under FDCPA, they feel they can practice like this.
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Western Portfolio Assets (NC)

They contacted me and stated I owed over {$1300.00} from a XXXX XXXX account. I was at work and extremely busy and stressed to even verify the information. They kept calling me and threatened to garnish my wages and take me to court, etc. I am the only person working in a XXXX person family, so I could n't take my chances. I ended up paying {$260.00} as a deposit and {$170.00} in XXXX and {$150.00} in XXXX. At last, I verified the information with XXXX XXXX and they stated I had to past due balance or anything at all. I asked then about their collection agencies and they gave me names, but not Western Portfolio Assets.
Consumer complaint received 2019-10-31
Product: Debt collection — Auto debt
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: CL Holdings LLC (PR)

Jefferson Capital Systems , LLC acquired an overdue debt from XXXX XXXX in the name of XXXX XXXX, reflecting an outstanding balance of {$14000.00}, approximately XX/XX/XXXX. The outstanding debt is related to the purchase of a XXXX XXXX XXXX To accommodate the refund of the balance, I was given a payment of {$3000.00} as a total payment, payable in 48 monthly installments of {$62.00}. To take advantage of this special rebate plan with discount, the first payment must be made before XX/XX/XXXX. I could not make any payment since there was a reduction in my work hours to 20 hours per week at {$7.00} per hour with a salary Week of {$690.00} monthly. Unable to comply with the payment, deliver the bus as a guarantee. In addition, the bus suffered damage with the passage of Hurricane Maria and had to take a loan to XXXX to secure it. Currently Jefferson Capital System has sued me and they want me to pay the amount of {$14.00}, XXXX. This situation is affecting my health. I need you to help me since I don't have the money for a lawyer.
Consumer complaint received 2015-10-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

I keep getting tire email promotions from Ebay decided to apply for one last evening. When I tried to make the purchase only option I had was to use Paypal. My experience with Paypal is a nightmare since it waste customers valuable time and paypal customer support is extremely poor. As I expected I spent about half hours to make the purchase online and my payment keeps getting rejected and prompting me to call paypal customer support. When I call customer support I had to go through multiple security screening questions with first rep and to my dismay he said he had to transfer me over to another Dept since he ca n't help. Second rep told me I had to add my credit card to make this purchase happen eventhoug I have added XXXX Bank accounts and have made purchases from paypal in the past. After adding my credit card to my dismay second rep told me that I had to go through security screening again. After going though security screening again rep told me that he needs to bring someone else to make this happen and brought third rep on to the phone and he could n't help either. I ca n't make the purchase via paypal. I got extremely frustrated since I was asked to call Vendor to make the purchase since I spend almost 2 hours on the phone and I asked for supervisor. I spoke to supervisor call XXXX and he told me Paypal is doing all the right things and never apologized for wasting my time for 2 hours. This supervisor told me this problem would n't happen again. I called tire vendor and unfortunately he ca n't offer me promotion since promotion is valid only with Paypal and I am back to square one. 
I tried to make purchase again this morning and story is the same eventhough Paypal supervisor promised that it would n't happen again. I kindly request that Paypal approve my transaction right away and offer me {$150.00} credit for all the hassle I had to go through to make this purchase. 

Error : Unfortunately, your payment was declined You can select or add another payment method within PayPal and try again If you get this message more than once, please contact PayPal customer support for further assistance
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PR)

I started making payments for my loan on XX/XX/XXXX. In XX/XX/XXXX I applied for the REPAYE forgiveness program and they consolidated my loan with a higher APR, the amount of the consolidation doesnt make sense because if I add all my payments the one that goes to my principal the amount consolidated supposed to be less than they put. As of today the payments of last year almost all went to the interest part and is like since XX/XX/XXXX Ive never pay it. Of each payment Ive made the amount that goes to principal and interest has not been on any payment the same. There most be something wrong here.
Consumer complaint received 2017-03-04
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (DC)

I feel that Paypal has deceived me about their service because of 1 ) very limited, contradictory and poor information on their website. 2 ) customer service agents who stonewall, repeat provably incorrect information and contradict each other 3 ) repeated failures to respond or follow up with a response 4 ) claims that you can access your money by following various steps only to discover the money is still " on hold. ''
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (CA)

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by DYNAMIC RECOVER SOLUTIONS, XXXX XXXX XXXX, XXXX SC XXXX, on XX/XX/XXXX, on my XXXX Credit Report are unauthorized and must be removed. The Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Consumer complaint received 2019-12-05
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. (NC)

I was recently made aware of fraudulent information being reported on my credit report. After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MD)

Synchorny bank lowerinf credit limit after paying down balances. I recently submitted a complaint with CFPB about being reported late. I have had a number of accounts with Synchrony. I advised them that their history must be wrong. I habe not had any problems with all of my other Synchrony accounts. Shortly after filing the complaint with CFPB Synchrony lowered my credit limit on my banana republic card. I then closed the account as the new limit was {$100.00}. You can not purchase much with that limit. I then filed a started litigation against Synchrony bank. Last week i paid down balances on a few of my Synchrony accounts. While checking my credit report tonight I noticed that Synchrony now lowered my credit limit on my Lowes card. I recently paid the account down from 68 percent to 2 percent. I guess since they can not make money off of me with zero to low balances they take it upon themself to lower yoir credit limit. Had i known that they would lower my credit limit once i paid the account down i would have paid the money on a different bill. This now affects my utilization scoree. I have been faithful with my Synchrony accounts with no 30 days on any of the accounts except for whatever mix up with the Banana Card. I closed the lowes account after learning of the decrease