davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve this.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (TN)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2020-05-20
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX {$6500.00} XXXX XXXX {$500.00} XXXX   XXXX {$13000.00}
Consumer complaint received 2020-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX and XXXX request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (AR)

I need to file a complaint against Bluebird by American Express. I have had an account with them for years and use this company as my main bank. Since XX/XX/2020 I have been drawing unemployment due to COVID-19. Every week I have my benefits direct deposited to my bluebird account. Last night XX/XX/XXXX after receiving my benefits my account was immediately suspended and I got an email saying that I violated section 22 ( d ) of the Bluebird Membership Agreement. I called Bluebird customer service and because my phone number is linked with my account, I got a recording saying that my account was permanently suspended then the call disconnected. I decided to call from a different phone number and a CSR advised me i would have to call the Fraud Department during business hours Mon-Fri XXXX. So the next morning XX/XX/XXXX, I called the Fraud Department and was told that because my deposit didn't match the account or didn't have sender information my account was suspended. I asked if I could take the rest of my money out of the account and was told my account was locked and I would have to wait 1-2 business days for corporate to decide if they want to keep my account locked or reopen it. I have my entire livelihood, savings, bill money, everything in this account. I just happen to be in the process of buying a house on Friday this week and NEED my money to do so. It can not be legal for them to steal my hard earned money and keep it from me. I can't control how ADWF sends my benefits but that doesn't give Bluebird the right to take access away from the rest of my funds. They can have the account, they can investigate the government deposits that thousands of Americans are receiving, but the rest of the money in the account is mine and I want it transferred to another bank immediately. 

I would like to speak with someone regarding my issue.
Consumer complaint received 2020-05-20
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. (CO)

I received a notice from a credit reporting agency that my credit score had gone down, twice in one week according to credit reporting agencies. On the day that I submit an application to rent a home my credit report dropped 32 points the same day. Trans union is using an account that I have never been late paying and always pay it off in less than 30 days. I never carry over a balance. It is an XXXX MasterCard that I use when shopping online to protect my bank account numbers due to identity theft problems in the past. Trans union, twice has reported this account as one that is carrying a balance more than 30 days and it is severely affecting my credit score.
Consumer complaint received 2020-05-20
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

Last XXXX I needed my report unlocked. I lost my pin. Experian told me the charge was about {$23.00} to XXXX the paper to unlock. I paid it. Then they over night my credit report and charged me over {$30.00}. I never asked for a credit report. They charged me a second time for the paperwork to unfreeze my account. It took me over four months and over 100 hours on the phone to get my money back. To get it back I ended up filing a complaint with credit card company. Then Experian gave my money back. I filed a complaint with you ( XXXX ) in which I was told to call Experian. I had to work 90 hours plus a week and I am now getting back to this. I laughed at their response to call them. To placate the Federal Gov, I called and they said they would do nothing to help me with over 100 hours I spent on the phone to recover my money. Now I am coming back to the federal watch dog and asking why can a credit reporting agency quote me one cost, charge me more than they quoted, charge me again for the same thing I already paid for yet never received, them refuse to give me back my money until I start a complaint with the credit card company? Is all this agency will do is forward my complaint? Please do not accept have him get a hold of us because they will tell me nothing
Consumer complaint received 2020-05-20
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. EVERYTHING THAT I AM TRYING TO ACCOMPLISH IS NOW AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

SOURCE XXXX ALERT DATE XX/XX/2020 BALANCE AMOUNT {$3300.00} IS COLLECTION Yes OPEN DATE XX/XX/2020 PAYMENT STATUS Grid Code G ( Collections ) STATUS DATE XX/XX/2020 NAME CREDENCE RESOURCE MANA PHONE BUSINESS TYPE XXXX STREET ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX STATE TX ZIP XXXX This account was from XXXX as a result of identity theft. I already have this removed from XXXX and XXXX, however it is still on my XXXX Report.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: KEYCORP (OR)

Washington unemployment is using the old card number to deposit funds instead of the current one they sent me. Money keeps disappearing and I have not received any funds and I can not alert or notify them to update my card number into there system. So frustrated and my card is over drawn and I have no idea why or how this is happening. XXXX is my phone number and my name is XXXX.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (SC)

I moved out of an apartment on XX/XX/XXXX because my neighbor kept breaking into my apartment and damaging my vehicle. I turned in the key in person on XX/XX/XXXX and was told that everything was fine and I was NOT breaking my lease. I gave my forwarding address, email and phone number. A few weeks later I received an email claiming the apartmenthad to be repainted because of me. I notified them of stains on the walls from a leaking window and upon moving in. I had passed move out inspection on XX/XX/XXXX. I replied to the landlord, XXXX with XXXX and XXXX, and told her to take me to court because I did everything on the checkout list, she had mistakenly tried to evict me prior because she kept crediting someone else 's account with my rent payments, and that she did nothing about the drug dealer living next door that kept breaking in and slashing my tires. About a year ago I checked my credit and XXXX and XXXX showed as a collection for {$1800.00}. I requested that XXXX correct the information and provided all copies of emails, receipts of rent paid, deposit paid, and police reports. All they did was put a statement on the account. The collection agency is reporting the account as opened in XXXX, when I paid {$1500.00} to my landlord and relinquished my deposit to move out without any issues in XX/XX/XXXX. XXXX and XXXX waited 4 years then sold my information to a collection agency instead of taking me to court or even sending me ANYTHING in writing showing that I owed them anything in that 4 year period. The only thing I ever got was one email from XXXX. I want it removed from my credit report because I do not owe the debt at all.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (OK)

CarHop XXXX reporting missed payments and in correct balance on credit report, preventing me ( pigeonholding ) from obtaining a safe vehicle to drive. The vehicle is not safe to drive and Ive made several attempts to repair the vehicle and/or settle account with CarHop XXXX  to no avail. I currently only have {$5000.00} worth of debt and CarHop is claiming {$4000.00} of it which has lowered my credit score into the 400s preventing me from a loan of any sort. I lost employment due to the non-functionality of the vehicle and was told by the manager of CarHop that she always drives with the check engine light on, when I called within my warranty to have vehicle repaired. When I went to get tags and registration for vehicle, I was told that there was a lien on the vehicle due to the previous owner running toll booths. CarHop still refused to take the vehicle back.
Consumer complaint received 2020-05-19
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. (NV)

There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So XXXX you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are XXXX! All of ya, XXXX! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (WA)

On Thursday, XX/XX/XXXX, my account with Simple was frozen. I was not told about it. I found out when my debit card stopped working and when I couldnt transfer funds between the shared account with my husband or either of our individual accounts. When I called support, I was asked multiple fraud-related security questions, but was not told why my account was frozen. I was only told that the issue was going to be resolved soon. 

Each time I have called, I have told some variant of the issue has been re-escalated and someone will reach out with a support message soon Just this afternoon ( XX/XX/XXXX ) I received a support message that said my account is being closed per section 17 of the disclosure agreement. My money is locked up and I cant access or move it, and now the account is pending closure. They wont explain why or stop it. 

Any assistance you can give would be greatly appreciated
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft since XXXX and had my credit frozen til the year XXXX, it is posted on all 3 credit reports, I had this same issue with XXXX  but they would not unlock my report for XXXX nor XXXX to upload my info nor let me correct my info I had sent them numerous updates to my files and through the postal service & certified mail XXXX  states to me they never recieved but 1 copy out of 24 copies I sent, I tried faxing with no luck, and this went on the entire time since XXXX until I contacted your agency last year. It was corrected and XXXX apologized and now I am having same issues with Equifax doing the same thing, they will not unfreeze my credit or I am unable to pass the security questions because they do not even pertain to me and I check the boxes that say, none of the above, and because of this it causes me to fail my security questions and they will not let me view my free annualcredit report online ( keeps saying like my XXXX  use to say ) your credit report is unavailable online to you at this time. I refuse to keep dealing with this, this is my life somebody keeps messing with and I am entitled to my consumer free credit reports and unfreezing my credit at anytime I wish to but someone is seeing to it that I can not. My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... ..my email ( XXXX ) ... .cell # XXXX ... ... my date of birth ( XXXX ... .last 4 of SSN ( XXXX ) ... ..my previous address. ( XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ) thank you for your time & consideration. I look forward to hearing back from this matter. Have have blessed day. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TN)

I had a debt that should have never been sent to collections. I owed some money to a hospital i did not know about, when i did i called the hospital and paid the debt. Even tho i have paid this has been added and removed to my credit report multiple times, but it still keeps coming back. COMMONWEALTH FINANCIAL just keeps adding it back after it gets removed.
Consumer complaint received 2020-05-19
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: Bread Financial Holdings, Inc. (MI)

ComenityBank/XXXX, was a credit card taken out fraudulently by my ex wife in my name. In spite of me reporting this fact to them on at least 6 occasions and me disputing the account with the credit reporting agency 's, this account, including late payments, is still showing up on my report and causing substantial damage to my credit score. Bottom line, this company is completely fraudulent and obviously has no intentions of addressing issues such as mine.
Consumer complaint received 2020-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute letter in regards to the incorrect items on my credit Report. Its been a week over 30 days and i have not received any information.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (WA)

My lender is united wholesale mortgage. I called because we were impacted by COVID 19 and they put us into forbearance for 1 month. I need to extend or pay XX/XX/XXXX. I have called for a week now. Every time it puts me through an automated system and when it moves to trying to get to a representative it rings for several minutes then says that due to high call volume they cant take my call and just auto hang up on me. I tried to write an email through my account but it takes me to another page and when I try my login and password it fails to work. So I have no way to email them. I need to know if I can get it extended or just make the payment but Im at a stand still because I cant get through to them at all. Im worried this will impact my credit and put me at risk of foreclosure.