davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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)

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CA)

XXXX XXXX/ XXXX XXXX XXXX closed the location that I used to work out at. I have attempted to cancel this membership at least 5 times. Each time they take the information and commit to respond. They do not respond and another charge would appear. They have disconnected our phone calls several times after waiting on hold multiple times. I finally denied the bank charges after all these attempts of trying to cancel my membership, and now they say that I owe back membership dues. I have never been to the health club since they moved their location two plus years ago and they can see that in their records as my card has never been scanned. I paid and was patient after requests to cancel, and they never processed my request. I am entirely within my right to refuse further excessive payments and the amounts sent for collection are inaccurate and unfair. All requests for calls and contact with me should collection should cease and desist immediately. My credit should be restored and this collection effort should not be reflected on my credit report. It is inaccurate.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

in accordance with the fair credit reporting act, this creditor has violated my rights under 15USC 1681 section 6 0 2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC (OK)

XX/XX/2023, Receivable Solutions, LLC Contacted me thru text message on XX/XX/XXXX  from XXXX, I Verified they were a 3rd party. 

I was again messaged today from the same number and called I requested to stop contacting me.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

All my irs refunds and stimulus were put into Bank of America account that Im not on account and I cant get my money contacted bank America and irs both bounce me back to each other all my stimulus and irs refunds were deposited into account not my name I never got
Consumer complaint received 2023-12-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (OR)

Received a statement via USPS for balance due on a Montgomery Ward credit card ( Account # XXXX ) that I did not open and did not authorize to be opened. 
Contacted the company after filing IdentityTheft.gov report and requested that account be closed. 
Account is still open and while it looks like no other charges can be made, it should a balance due still of {$240.00}.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

In the month of XXXX of XXXX, my account was closed with Self, a credit boosting firm offering to boost my credit score by being solicited with them. The eventuality would be like as if I got a loan, and paid it off. But in essence they don't give you a loan, all they do is give you a payment schedule as if you have a loan with them, and then ruin your credit if you miss certain payments. In New York around about the time of XXXX of the same year, a pandamic struck and we were under orders to not go out even our houses, and work. Due to this nature I was stuck with not being to be gainfully employed and then reported for a number of delinquent accounts which are now resting in my credit portfolio owned by the major credit companies, ( the big three ). Due to the nature of the pandemic caused by Covid-19 and the ensuing realities of the lockdown and the inability to work ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'd like full correction to my credit report to reflect this unsettling ordeal that we experience. This action taken by both the Self company, and XXXX and the other credit report agencies has hurt my ability to function. I always paid my accounts and when looked into they all stopped due to the covid-19 reality..
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ORG GC GP BUYER, LLC (NJ)

GC Services has violated FDCPA 809 ( A ) giving me notification of a debt on credit report I talked to XXXX from XXXX TX on XX/XX/2019 at XXXX where the collection agency is reported on my credit report but had to transfer me to XXXX where I talked to XXXX XXXX They verified 2 wrong addresses on my account. 
They never called, emailed, or sent any notifications to my address informing of any collection. I also have no contract with GC Services Under the Protection of consumer financial services chapter 392.202 ( C ) The third party debt collector admits the information is inaccurate and shall immediately cease collection efforts related to the portion of debt
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (OK)

Creedence Resource Management whomever this may be is blowing up mine and relatives phones  non-stop up to 6 times daily after previous cease and desist request made and acknowledged by this company. Using multiple fake or spoofed phone numbers one being XXXX with no messages left.
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

Subject : Immediate Action Required : Escalated Complaint - Account Freeze I am writing to express extreme dissatisfaction and concern regarding the ongoing freeze on my Citibank account. During my employment with Citibank from XXXX to XXXX, there was a delay in depositing the XXXX company matching contribution, which was only deposited in XXXX of the following year. In XXXX, Citibank established an XXXX account to manage these funds. 

Recently, I was advised to complete paperwork labeled " simplified banking, '' which I promptly submitted. On XX/XX/XXXX, after being assured that all documentation was complete and approved, a representative promised that the freeze on my account would be lifted. However, on XX/XX/XXXX, I was informed by another representative that a missing piece of information was preventing the account 's unfreezing. Surprisingly, I received no communication from Citibank regarding this missing information, and I was told that it's not customary for them to contact customers for such matters. I immediately provided the missing information as requested. 

After multiple conversations with supervisors, including XXXX and XXXX on XX/XX/XXXX, I was assured of an expedited resolution and advised to call back on XX/XX/XXXX, to confirm the freeze 's removal. However, as of my recent call on XX/XX/XXXX, the freeze persists despite the assurances given. 

The lack of accountability and the continuous delays in resolving this issue are unacceptable. I have diligently complied with all requests and engaged in numerous follow-ups to resolve this matter, yet the freeze remains unresolved. 

I urgently request immediate action to rectify this matter and remove the freeze from my account without further delay. Furthermore, I seek clarification on the steps being taken to expedite this resolution and ensure adherence to Citibank 's standard procedures. 

I expect a prompt and detailed response outlining the resolution process for this issue.
Consumer complaint received 2023-12-13
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: EQUIFAX, INC. (CA)

I have not given consent nor did i authorize or benefit from the inquiries on my consumer report. 

FCRA 15 USC 1681n ( b ) Civil Liability for willful and non compliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I received a notice from Bank of America that the credit line on my BOA XXXX card had been reduced from {$29000.00} to {$20000.00}. The primary reason stated for this decision was a late payment the previous month that resulted from a clerical error on my part ( I scheduled an online payment for XX/XX/XXXX instead of XX/XX/XXXX ), which I corrected as soon as I was made aware of it ( XX/XX/XXXX, XXXX day before their decision ) by paying the entire current and past due balance plus an additional sum. 

I called BOA 's customer service line on XX/XX/XXXX, and after spending 40 minutes on hold, spoke with a representative named XXXX who forwarded me to a representative named XXXX XXXX. XXXX offered to submit a " reconsideration '' on my behalf, which was denied, due in part to a " recent line reduction or cancellation of a BOA account '' ( the account in question is the only one I hold with BOA, so in essence the request was denied based on the very action that I was disputing ) .I was ultimately transferred to another representative named XXXX XXXX who resubmitted the same request, and informed me that it had again been denied. 

In sum, BOA reduced the credit line on a longstanding account ( active since XXXX ) by nearly one-third without any prior notification, based on a clear clerical error of which I had not been notified, exactly one day after I corrected the error and rendered payment in full. I subsequently contacted the company to attempt resolution, spoke to three different representatives, made two separate reconsideration requests, and was denied each time.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I recently applied for a refinance with XXXX XXXXXXXX my current lender is XXXX I have been on the phone for numerous hours trying to fix this issue XXXX XXXX declined my refinance after approving it due Experians erroronus reporting the Auto loan was closed. I have reached out to XXXX and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on Experian this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as XXXX passing the blame on to experience I am very upset all these long hold times in Experians reporting has impacted my family and the issue needs to be resolved.
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report. Please direct them to conduct proper investigation and not purchase my data from 3rd party vendors such as XXXX XXXX or XXXX I am in the process of filing a complaint to FTC and DOJ for these violations.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (PA)

I am successor in interest as administratrix of the estate of XXXX XXXX. I provided my court documents and received a letter from NewRez 's agent, XXXX dated XX/XX/2023 that I was confirmed as successor in interest and was entitled to submit requests for information and for a payoff statement with respect to the mortgage account of XXXX XXXX. 
The home had a contract for sale set to close on XX/XX/2023. The settlement firm/title company requested a payoff statement ( which they tell me is usually provided to them immediately upon request ) on XX/XX/2023. They were unable to obtain a payoff statement and notified me on XX/XX/XXXX. I tried to request a payoff statement on line on XX/XX/XXXX, and got a message something like " error try again later. '' I called on XX/XX/XXXX, and found out that the servicer was changed in XXXX and I contacted the new servicer -Shellpoint. They have refused to talk to me saying their reviewers have not authorized them to talk to me. I have resent the estate documents- even though I was already confirmed as a successor in interest. As agents of NewRez, it should not be my problem that they did not transfer the information correctly. I have called every day, multiple times and continue to be denied a payoff statement. The representatives of Shellpoint say I am not authorized on the account and they can not provide any information - including what documents are needed so that I can be authorized. It is now XX/XX/XXXX and I do not have a payoff statement. This is a violation of 12 CFR Se. 1026.35 which requires the servicer to provide a payoff statement within 7 days. New Rez 's failure to provide the payoff statement has put the sale of the home in jeopardy since the contract requires a closing on or before XX/XX/2023. I am continually told by the representatives of Shellpoint that it will take XXXX hours, then XXXX days, today ( 13 days from the first request ) I was told it will take at least 2 more days for the review of the documents.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC (OH)

I have tried several times for the life of this loan to gain access to a billing statement with AVID ACCEPTANCT. I never receive one. Anytime I have asked an employee to fix it so that I get a copy of a bill sent to me monthly, they recap my address and do nothing else. Even after several failed attempts at asking for help in gain access to my account information via a billing statement, I still never received one. I have not received a billing statement for the past 1.5 years. 

I can never seem to gain access to my account via their web address. Even if I change the password it still doesn't work. I always have to pay my bill by bypassing gaining access to my account and entering an account number and the amount due in hopes that its posted to my account. I can not see if it has been posted to my account because I don't have access to their website and I NEVER receive a bill. 

As a consumer I should be able to have access to : 1. How much my payment is for 2. How much of my payment is paid in interest 3. How much of my payment is paid to principle 4. How much is left on my loan to pay it off. 

The financial company is extremely annoying and does not abide by CFPB laws.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (IL)

My money order purchased on XX/XX/XXXX in the amount of {$270.00} for a bill due on XX/XX/XXXX was lost or stolen so it did not make it to the payee. Upon calling the automated customer service number, it seems that the money order has not been cashed therefore it can not be traced. The only option available is to request a refund which requires a {$15.00} non-refundable fee. As a XXXX  with a disability on a fixed income, the lost money order and {$15.00} fee have both posed a significant financial hardship on me at this time. The payee is one of my creditors, and is now requiring both XXXX and XXXX payments along with late fees all at once in order to bring the account current. This is a total of nearly {$600.00} which I can not afford due to my circumstances. I am now at risk of a negative reporting to my credit profile.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

I worked throughout the Fall to prepare for the best option for my situation. I attended a seminar hosted by XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX, on XX/XX/2021. Registered under the email address XXXX Scheduled a follow-up meeting with a XXXX XXXX  XXXX counselor XXXX XXXX on XX/XX/2021. I spoke to XXXX XXXX and he forwarded my information to XXXX XXXX of Community Loan Servicing. I spoke to XXXX XXXX on XX/XX/2021 about my situation and desire to remain in my home. NONE for those actions seem to be noted in the company 's files for my home. Also, none of that was mentioned in a previous complaint XXXX. The company seemed to take the position that I had not taken actions to reengage in payments for my home. I want to be clear that XXXX XXXX XXXX is and was engaged as a counseloXXXX for Community Loan Servicing and that my records are accurately noted.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (CA)

I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and XXXX ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for XXXX sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX )