davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (SC)

On XX/XX/XXXX, I received notification from my credit report that an account had been placed in collections by Aldous and Associates. This account pertains to a gym membership allegedly unpaid, dating back to XX/XX/XXXX. 
I dispute the validity of this debt for several reasons : 1 ) Payment and Closure of Membership : On XX/XX/XXXX, I visited the gym in person, despite living XXXX hours away, to settle any outstanding debts and close my membership account. I communicated with XXXX XXXX, the General Manager, via email, and received confirmation of the refund on XX/XX/XXXX due to my bank account being charged twice for the same debt. 

XXXX ) Lack of Communication : Despite settling the alleged debt in XXXX and receiving confirmation, I was not notified of any outstanding amounts or attempts at collection until XXXX, when I received a notice from a collection agency. At that time, I was in the beginning process of my XXXX  enlistment and to avoid complications, I decided to pay the amount of the debt asked by the collection agency after complaining to the Gym and finding out that they could not do anything about alleged debt, the account was never placed in collection in my credit report. 
Nevertheless, 5 years after the collection was made, I am notified once again of this account being placed in collections, not by the collection agency but by the credit bureau after my credit score plummeted as a result of a new account placed in collection. This lack of communication is concerning and raises questions about the accuracy and validity of the debt. 

XXXX ) XXXX  Service : I enlisted in the XXXX XXXX shortly after the incident in XXXX. Any attempts at collection or reporting to credit agencies should have considered my XXXX  service and the protections afforded to service members under the Servicemembers Civil Relief Act ( SCRA ).

4 ) Inadequate Information : When contacting Aldous and Associates for information regarding the alleged debt, I was met with rudeness, lack of transparency, and inconsistency in their responses. They were unable to provide detailed information about the debt and only directed me to submit a written request during the last conversation I had with them, which further complicates resolution. 


Considering the above, I respectfully request the removal of the collection account from my credit report, as it is inaccurate and unjustified. In addition, I request the implementation of measures to prevent the same situation from occurring again in the future, including better communication practices and adherence to legal protections for service members.
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LYON SERVICES CORPORATION (FL)

I am the owner of a XXXX XXXX XXXX XXXX XXXX XXXX We have a legally binding contract with a homeowner to build a swimming pool provided that can get a direct to contractor pool loan using Lyon Financial as their lender. Pursuant to the contract the homeowner provided the {$3000.00} contract acceptance payment check to go forward based on the verbal approval we received and the notice they received from Lyon Financial that they were approved to be funded for the pool. The loan approval was supposed to be entirely based on the homeowner 's credit, nothing to do with us the pool builder as we have worked with Lyon in the past and completed the project, have been in business for over 20 years and have built hundreds of pools, and since we are not borrowing the money the homeowner is. We profit once the project is complete and we are paid in full. Lyon Financial prides themselves in being this perfect and easy to work with lender, that couldn't be anything further from the truth. Not only do they provide a direct to payment contractor under the most aggressive and unbalanced payment terms whereas we have to build 100 % of the pool using only XXXX 25 % payments after we have already designed, planned, permitted, excavated and have the concrete pool structure in place all out of pocket, no material and work in place up unto that point can be paid for due to the funds paid from Lyon Financial have to be used to further and finish the project, Lyon Financial can remove money from your account at will, arbitrarily, and to add insult to injury after working with Lyon on ( XXXX ) pool build, I voiced my opinion, XXXX XXXX decided to terminate my business as a dealer and then XXXX XXXX XXXX, and XXXX XXXX of Lyon Financial made us reapply to supposedly to only update our records to re-open the dealer account only to then turn down our business based on the fallacy of my personal credit worthiness, to which I never provided a social security number and non-existent negative business reviews and/or non-existent unresolved XXXX XXXX XXXX complaints which is all part of this credit discrimination that I am filing this complaint about. I have reached out to them to verbally and via email to reverse their credit discriminatory decision to no avail. We stand to lose of {$30000.00} plus is lost profits because of Lyon Financial 's credit discrimination.
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

15usc1681 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information. 


XXXX XXXX {$290.00} XXXX Status Closed Credit Limit {$0.00} High Balance {$290.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late 30 : 0 | 60 : 0 | 90 : 0 Payment Status Charged off as bad debt Past Due {$0.00} XXXXXXXX XXXX  {$560.00} Account # XXXX Status Original Creditor XXXX XXXX XXXX XXXX XXXX  Creditor Type Collection services High Balance {$560.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXXXXXX XXXX XXXX {$230.00} Account # XXXX Status Original Creditor XXXX XXXX Creditor Type Collection services High Balance {$230.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX
Consumer complaint received 2023-05-05
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-22
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: TD BANK US HOLDING COMPANY (TX)

I have had two credit inquiries on my account in the last 24 hours. Both were on XX/XX/year>. The first was from TD Retail Card Services, the second was XXXX. I did not initiate these actions for either! On XX/XX/year> I was alerted of a security data breach from XXXX XXXX XXXX and was informed that my social security number had been compromised. I'm wondering if someone is using my social security to apply for credit cards.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX { {$13000.00} } XX/XX/2022 15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (AL)

I don't recall having a contractual relationship with this collection company EASTERNACCOS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

The entity Portfolio Recovery Associate has listed on my credit report an amount of XXXX $ for a debt I dont owe neither recognize. I never held neither opened any account with this XXXX XXXXXXXX XXXX  XXXX listed on my credit report with XXXX. The account number listed is XXXX for an amount of {$650.00}
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and XXXXompleteness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: DApps Platform, Inc. (FL)

XX/XX/XXXX {$200.00}, XX/XX/XXXX {$800.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$550.00}, XXXX {$850.00}, XXXX {$60.00}, XXXX {$570.00}, XXXX {$2000.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1100.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$60.00}, XX/XX/XXXX {$400.00}, XX/XX/XXXX {$60.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$550.00}, XX/XX/XXXX {$520.00}, XX/XX/XXXX {$600.00}, XXXX {$640.00}, XXXX {$600.00}, XXXX {$500.00}, XXXX {$800.00}, XXXX {$900.00}, XXXX {$300.00}, XXXX {$400.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX, {$500.00}, XXXX {$1500.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$2000.00}, XXXX XXXX, XXXX {$1200.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$100.00} and XX/XX/XXXX {$850.00}. This totals {$59000.00}. 

Four times I have put in to have my money released since the middle of XXXX. Trust Wallet decided instead of releasing my money to put it in a VIP account. For {$20000.00} I would not have any additional fees and could have my money released per the email they sent me. An activation deposit was sent. {$20000.00} was sent. No mention of a late fee. XX/XX/XXXX, it was paid off XXXX. I received an email I would receive my money in XXXX to 10 days. A few hours ago I received an email I now owe a {$550.00} late fee. Late fee? I have no emails from this company about a deadline or late fee. They refuse to release my money.
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DC)

My mortgage payment with Mr. Cooper ( formerly Nationstar ) is automatically deducted on the first of every month. This XX/XX/XXXX, I did n't see that deduction. Today, XX/XX/XXXX, I called to ask about the problem. The customer service representative and later, a supervisor, did not know why automatic debit was cancelled. As the supervisor told me " only the customer can cancel automatic payment and we have no record that you did that. '' Upon further reflection, the customer service representative told me that my mortgage was being sold to XXXX XXXX on XX/XX/XXXX. This was the first I heard of it. I received nothing in the mail from either Mr. Cooper or XXXX XXXX ; and the Mr. Cooper website did not indicate the pending sale/transfer of this mortgage. The website however indicated I was late on my mortgage, which was a bit annoying to me : I had set up automatic debit for the first of every month ; I called on my own to find out why the XX/XX/XXXX   payment was n't automatically debited from my bank account on XX/XX/XXXX ; the answer consisted of " we 're as surprised as you are '' and nothing more. It 's like dealing with the Bad News Bears of mortgage holders. 

Also, they told me a letter went out on XX/XX/XXXX notifying me of the pending transfer of my mortgage. I have yet to receive that letter - and even if I did receive it, it does n't explain why automatic debit was cancelled without any explanation. 

The customer service person just told me to pay the mortgage online. I do n't trust these people - never have. I 've always thought my mortgage with them was n't " going down '' as it should. Just yesterday, I read about their settlement with California for overcharging CA mortgage holders. 

In short, I would like to know ( i ) why automatic debit was cancelled ; ( ii ) why they did n't do a better job of notifying me of pending transfer of mortgage ( should n't there be a requirement that lender provides at least 30 days notice? ) ; and ( iii ) whether my mortgage has been appropriate amortized during the time they held this loan. 

THANK YOU, CFPB!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date.

System Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. 
Inaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TX)

I have have purchased items using the same phone number with this company for many years, recently I click on link on my phone and my phone was hacked and assessed remotely, I turned the phone off and bought a new phone, I reported to Affirm that that phone and number had been breached and to not accept any attempted purchases using that number, I asked them to either put an hold on my account until they can verify me and my new number or block that number, I did everything they asked me to do to change my phone number on my account, I sent in picture of my driver 's license front and back and I sent a real time selfie, I did this procedure 3x and go a confirmation message that it may take a while to verify the info, to my knowledge they still have that old hacked number on my account and will not acknowledge my new number whenever I called they are still asking for the old number which should not be on my account anymore and in fact may be disconnected by now, because I did not pay to continue the service with that old number. Affirm is doing nothing to secure my account or the personal and financial information the hackers can get including my social security number and address by using that phone number. They have in essence locked me out my own account or are possible trying to make me turn on and use a hacked phone just to gain access to my account. I have called them today and verified myself and they rep still did not help me was still asking for the old hacked number even though I told them that it has been compromised. I am afraid that they are leaving the door open for an hacker to steal my identity they are making no effort to secure my account. I would like old number taken off my account and my information to be secured by this company whom I entrusted with my personal information and I would like them to put my new number on my account, I have done everything they asked to verify myself and they still won't secure my account and are acting very non chalant about the whole situation, I can not get a manager to call me, they do not return phone calls, they do not follow a situation through until an solution of reached. They do not care about their customers.