davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Recovery Solutions, LLC (NM)

My husband and I had a loan with XXXX XXXX which charged off around XXXX of XXXX. I contacted XXXX XXXX in XXXX of XXXX to make arrangements to resume payment. I was advised that the debt had not yet been sold and that I could resume making payments. I resumed the loan with a payment in the amount of {$1700.00} on XX/XX/XXXX. I began a subsequent monthly payment schedule for the next 6 months at the amount of my original payment which was {$280.00}. I made these payments starting on XX/XX/XXXX until XX/XX/XXXX. When I set up the payment plan, I asked if I could schedule additional payments. I was informed that they could only schedule 6 payments at a time. I called back at the end of XXXX or early XXXX and scheduled a payment in the amount of {$560.00} which was paid on XX/XX/XXXX. I called back on XX/XX/XXXX and schedule a payment for the remaining balance which was in the amount of {$2300.00}. The payment was processed on my account on XX/XX/XXXX. At this time, the loan was paid in full. At the end of XX/XX/XXXX, I began receiving calls from a collection agency called Asset Recovery Solutions , LLC. I advised them that the debt they were calling in reference to had been paid. The representative informed me that it had not been paid and maybe I had another loan. At the time, I reached out to XXXX XXXX to try to figure out what was going on. The representative told me that I needed to speak with the collection agency regarding my issue. I advised the representative that the problem was that I had paid this loan off with XXXX XXXX and that it was sold to a collection agency months after the payment was made. The representative acknowledged that she saw the payment, but insisted that there was nothing she could do. When I asked how I could go about disputing the information, she told me that they did not have a dispute process. I requested to speak with a manager and she stated that there was no manager available because she was working from home. She advise me that she would have a manager call me. I never received that call. After I spoke with XXXX XXXX, I contacted the collection agency to see how I could dispute the item with them. The representative informed me that they do not have a dispute process. He advised me that the best they could do is not contact me, but that would not mean I did not owe them the debt. I subsequently received a notice from them with my loan agreement attached. I have also tried disputing this account 2 times with the credit bureaus and still XXXX XXXX is refusing to correct the mistake. While I admit that the initial failure was mine, I did everything in my power to remedy the issue and make XXXX XXXX whole. I am just asking for the same courtesy. I have been trying to get this matter resolved for 4 months with no success and an apparent unwillingness from XXXX XXXX to correct their error.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

A few weeks ago, I received an email from XXXX indicating that there was a collections account on my credit file from a law firm called Kimball , Tirey & St. John LLP. When I looked further into the issue, I discovered that it was for a rent payment that they alleged that I did not pay in XXXXXXXX XXXX to XXXX XXXX XXXX  in XXXX, California. 
I promptly looked through my records and found that I had, in fact, paid my rent that month. In what has turned out to be a stroke of luck, I paid with my XXXX credit card, and I had a copy of my statement from that month, including a payment of {$1300.00} made on XX/XX/2019 to : XXXX XXXX XXXX  XXXX XXXX ... 
I disputed this collections account with XXXX and furnished them with information that I had paid the debt on time, but for some reason XXXX declined to remove the collections account from my credit report. 
I also contacted Kimball, Tirey & St John LLP and provided them with a copy of my credit card statement showing the date and amount of my payment. They responded that they would look into it, but as of this moment, I haven't received any further news. 
If you look at their invoice, of which I have enclosed a copy, and take into account the payment that I made on XX/XX/2019, it becomes clear that XXXX XXXX actually owes me money, since they never returned my security deposit. 
The worst part of all is that this was reported as a collections account to at least two of the credit reporting agencies, and I was in the process of buying a house. Once XXXXimball, Tirey & St. John reported this false or erroneous debt to XXXX  my credit score instantly dropped by 69 points, effectively ruining my chances of purchasing a home in the near future. 
I feel lucky to have solid proof that my payment was made, and I feel that there are likely a lot of lower income families that are victims of similar situations. Families that trust that when they make a payment, that someone is keeping track and doing the right thing. Unfortunately, that doesn't seem to be the case here. 
In the attached documents, I have highlighted the relevant information.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Im writing to dispute the following negative items accounts that continue to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Consumer complaint received 2021-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Secure One Capital Corporation (FL)

EARLY PART OF XX/XX/XXXX, I RECIEVED A LETTER FROM SECURE ONE CAPITAL INVITING ME TO PARTICIPATE IN A REFINANCE. MY LOAN OFFICER WAS XXXX XXXX XXXX # XXXX SECURE ONE CAPITAL NMLS # XXXX. 

HER PHONE NUMBER IS XXXX XXXX XXXX. XXXX XXXX ASSURED ME SHE WOULD WORK WITH MY FINANCIAL PROFILE TO SEEK THE BEST POSSIBLE SOLUTION. I HONESTELY BELIVED HER. ON XX/XX/XXXX I WAS ASKED TO SIGN A WET BORROWERS AUTHORIZATION, THIS FORM WAS TO ASK MY CURRENT MORTGAGE LENDER XXXXXX/XX/XXXX FOR A MORTGAGE PAYOFF. 

I SIGNED THIS FORM AND RETURNED IT TO XXXX XXXX TO PROVIDE TO XXXX XXXX XXXX TITLE IS THE OPENER ). XX/XX/XXXX, I FINALY HEARD FROM XXXX XXXX INFORMING ME THEY WERE WAITING ON THE APPRAISAL TO COMEBACK AND THEN WE WOULD GO INTO PROCESSING AND UNDERWRITING AND CLOSING. ON, XX/XX/XXXX XXXX XXXX EMAILED ME AGAIN ASKING FOR MORE INFORMATION, XXXX XXXX AND THE W2 FROM XXXX, SO THEY COULD FINISH UP THE UNDERWRITING. I SENT THIS INFORMATION ON THE SAME DATE. 

RECENTLY XXXX XXXX CONTACTED ME AND INFORMED ME THE UNDERWRITING WAS SUSPENED UNTIL UNDERWRITING COULD REVIEW MY DEBT TO INCOME RATION FOR ANY ADJUSTMENTS. I FOUND THIS QUESTIONALE SINCE XXXX XXXX HAS BEEN IN CONTROL OF MY REFINANCE, I DONT KNOW WHAT SHE SUBMITTED TO UNDERWRITING NOR HAVE I SEEN ANY SECURE ONE WEBSITE INFORMATION ON MY LOAN PROCESS. SHE NEVER OFFERED ME ANY VIRTUAL TOUR OF HOW THIS PROCESS IS HANDLED BY SECURE ONE CAPITAL. 

EVERYONE KNOWS WHEN A REFIANNCE TAKES PLACE, THE CONSUMER SHOULD BE ABLE TO TRACK THE PROGRESS OF THE TRANSACTION VIA THE LENDER WEBSITE. I THEN RECIEVED MY HOMEOWNERS INSURANCE POLICY, SHOWING WHERE MY MORTAGEE WAS CHANGED TO SECURE ONE CAPITAL. HOW IN THE XXXX DID THIS HAPPEN WHEN MY LOAN IS SUSPENED WITH UNDERWRIITNG, MY HOMEOWNERS INSURANCE CO IS KNOW ASKING FOR {$4300.00} DUE BY XX/XX/XXXX ... NO ONE WAS AUTHORIZED TO CHANGE MY MORTGAGEE UNTIL THE REFINANCE IS PROCESSED AND CLOSING TAKES PLACE. 

SECURE ONE FURTHER SOLD MY INFORMATION AND NOW I AL GETTING SCAM CALLS CONSTANTLY. THS MATTER NEEDS TO BE CORRECTED AND I WANT A TELEPHONE CONFERENCE WITH SECURE ONE CAPITAL IMMEDIATELY TO CLEAR THIS DIBOCAL.
Consumer complaint received 2021-02-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IA)

Credit Collection Serv, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (CA)

On XX/XX/2021, I personally reported my XXXX Netspend card stolen on the Netspend app and I subsequently placed an order for a new card. On XX/XX/2021, around XXXX XXXX PST, I called the Netspend customer service line at XXXX and several customer service agents gave me the runaround by not answering my questions after giving them a ton of personal identifying information. Each agent that I spoke with verified the information several times and ended up not assisting me with a replacement card nor have they answered my questions. Instead, they kept putting me back on the automated recording where the system did not recognize my SOCIAL SECURITY # I was able to verify my account with before.
Consumer complaint received 2021-02-21
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

We refinanced and closed on XX/XX/21 through XXXX XXXX XXXX Mortgage ( XXXX XXXX, CA ). We have an email that there would be no payment for XXXX. But Amerihome ( the previous mortgage firm ) although the full loan was paid to them, still took another monthly payment for XXXX. So Amerihome got paid the full loan amount and took the extra monthly payment of {$2300.00}. We have contacted XXXX XXXX XXXX Mortgage and they have not returned our emails. We have contacted Amerihome numerous times and they sent us a check for {$.00} cents. Any help in getting the money returned to us would be appreciated. Thank you. XXXX XXXX
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XXXX, Equifax and XXXX has not been updating my current credit score appropriately. Even after collections are removed and credit usage drops tremendously, paid half of loan off, and car note drops. No score has been updated. Yes i feel discriminated against because of my race to keep my score low even when I paid everything and do everything to improve my score.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I approached my lender on XX/XX/2021 for options that are available to me instead of foreclosure. My lender is XXXX XXXX with PHH as their servicer. 
I have contacted HUD agency and I am working with an approved HUD counseling agent. 
I explained my situation to my counselor and give her all the contact info of the lender. The counselor contacted the lender today XXXX and asked them for 60 days extension so I am able to sell my house with a real estate agent instead of foreclosure. They denied the request and told the counselor that they will proceeded with the foreclosure sale date on XXXX at XXXX : XXXX  even though there is a moratorium in place till end of the XX/XX/2021. 
In addition I asked the lender for forbearance, modification package, balloon payment or any other options, but they have refused to offer me any. 
I appreciate any assistance that CFPB can offer.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been attempting to repair my credit for the past 6 months and my attempts through Equifax has caused and continue to cause emotional and financial injury. Early on in the process they claim that they couldn't accurately verify my identity. The security questions that they asked me isn't any of my information. They requested that i send in documents to prove my identity. I sent the documents in 2 months ago directly after I spoke with someone over the phone. Now today, I attempt to pull my credit report again and im still having the same issue. NONE of the security questions apply to me. Evidently my report is crossed with someone else 's or someone is using my social security number. I am on hold as I'm typing this and i've been on hold for an hour and 30 min trying to rectify this exhausting situation. I have asked to speak to a supervisor and they keep telling me the supervisor is on the other line. I ask to speak to another supervisor and they say that ALL of the supervisors have been on the other line helping other customers ... For an hour and 30 minutes. This XXXX person that i am speaking to continue to place me on hold and continue to disregard my requests. I can't properly dispute the items on my credit report if i can't gain access to my credit report via Equifax. Equifax is the only CRA that is giving me problems. I don't have this issue with XXXX and XXXX.
Consumer complaint received 2021-02-21
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. (NY)

On XX/XX/2020, I wrote to XXXX, XXXX, and TransUnion requesting an investigation into items that I believed were INACCURATE, and OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I was trying to make a payment on my new Paypal Credit account, but whenever I would try to add my bank details, I would get the error message " Sorry, that bank is already linked to the maximum number of PayPal accounts. '' even though I do not have other Paypal accounts. This is my checking account, this is my way of paying my bill, and I find it really shady that PayPal is blocking my way of paying my account. It said that it was having security problems and that this would be better, but it did not get better. 

Also, there was an advertised sign-up bonus of {$10.00}, but my first transaction did not go through due to problems on the merchant 's website, and even though customer service said that they would give me my sign-up bonus despite these " technology problems '' they have not.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (NC)

An unauthorized purchase was made using my Pentagon Federal Credit ( PenFed ) Visa credit card with a post date of XX/XX/XXXX for {$820.00}. The merchant was XXXX XXXX in XXXX XXXX, CA. 

I reported the unauthorized transaction to PenFed on the same day. 

PenFed issued a security adjustment for the same amount two days later ( XX/XX/XXXX ) while they investigated. 

On XX/XX/XXXX, I noticed a reversal on my credit card statement. PenFed determined that I was responsible for this transaction. My wife and I have nothing to do with this transaction and have no idea who could have done it, so we have no responsibility. 

I made multiple calls to PenFed to no avail. My wife and I still had the physical cards in our possession. The transaction, I was told, was an in-person transaction. My wife and I live in XXXX XXXX and have not set foot in XXXX for 3 years. 

Please advise.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA section 605 B it is illegal to report anything on my credit report without my permission .according tonUSC 1692 c you have violated my right by in lawful communications .please remove this inaccurate information.Thank you XXXX XXXX  bank NA ( account XXXX XXXX XXXX bank ( NA ( account XXXX XXXX bank XXXX XXXX account XXXX XXXX XXXX  bank ( account XXXX XXXX XXXX finance ( account XXXX XXXX bank XXXX XXXX account XXXX XXXX XXXX ( account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX XXXX funding ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX financial # XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I was contacted on XXXX by account XXXX ( XXXX XXXX ) as well as on an app called XXXX under the same alias. I was also contacted via text message ( detmined to be text now accounts ) from these numbers : ( XXXX ) XXXX, ( XXXX ) XXXX I was asked to send pictures for money as a weekly agreement and I agreed to do so, as i have in the past with other people and not had any issues. Then I was given contact information with " account manager '' XXXX XXXX ( XXXX ) and emailed a check for {$3700.00} and asked to transfer back {$2000.00} ( using the app Zelle ) to the account of XXXX XXXX ( XXXX ). 

I transferred back {$1000.00} on XX/XX/2021 to the aforementioned account. The check was deposited via mobile deposit on XX/XX/2021. 

The check was then determined to be fraudulent and the {$1000.00} transfer had already gone through resulting in a overdrawing of my account. I have filed with the bank but, there is nothing they can do except for put in that the account wa a fraudulent account and I am still held responsible for the {$1000.00} transfer as well as now getting involved in an investigation for money laundering which I am not doing. ) and ive since been in contact with the aforementioned people and they just keep saying its not fraudulent. I am now overdrawn with a frozen account and a 6 month holding of 7 days for every deposit lock, in the middle of a pandemic, while I am not home because I am in U.S. XXXX and stationed elsewhere than my family.