davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (VA)

This was a debt to XXXX XXXX XXXX XXXX. This was paid on XX/XX/XXXX to XXXX XXXX. XXXX XXXX with XXXX advised they would notify XXXX that this was paid. I was sent receipts and it was removed from my creit report. In XXXX of XXXX I received notice from XXXX XXXX that this was being reported again on my credit report as unpaid. I contacted XXXX XXXX with XXXX and advised her what happened. She advised she would reach out to XXXX and make them aware this was paid once again. I contacted XXXX XXXX and the new debt collection company. The company asked for my receipts and immediately removed the item from my credit reports. Then in XX/XX/XXXX I received notification again from XXXX XXXX that a collections account was added to my credit reports. Once again the collector was XXXX XXXX XXXX XXXX. This time with another collection company XXXX XXXX XXXX. I contacted the new company on XX/XX/XXXX and sent them the receipts showing it had been paid. I was advised that the back office needed to handle this. it would take 7 days. On XX/XX/XXXX I had not heard anything and contacted them again. I spoke to XXXX at ext XXXX she asked me to send the receipts again which I did. I waited to see if it would be removed or hear something from them. Nothing. On XX/XX/XXXX I contacted them again and they said it would take 30-45 days and that I needed to contact the creditor that they got it from XXXX. I contacted XXXX on XX/XX/XXXX they said contact XXXX. I also sent the receipt to XXXX on XX/XX/XXXX. Because I was tired of getting the run a round I contacted XXXX XXXX with XXXX. She advised that she would contact XXXX once again. As of today XX/XX/XXXX this item has not been removed from my credit report. I am in the process of trying to purchase a home and each time they add this my score drops.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

XXXX, Equifax, and XXXX are reporting a debt from XXXX XXXX XXXX  the debt has been paid off completely and I want it removed completely from all three credit reports. It is preventing me from getting approved for a place to live.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Paid check XXXX XXXX in the amount of {$7000.00} dated XX/XX/2023 the check was returned. 
It clearly stated the loan address of XXXX XXXX XXXX ; loan account number XXXX. 

Also, other payments have been misapplied as well.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CO)

In 2015, my mother opened a CC with Barclays Bank and had put my name on one of the cards so that I could use it to do her shopping, etc. After doing much work to improve my debt status I realized today that this card is showing up as debt on MY credit score, which they were never given my SSN nor were they given permission to process my credit.This is a XXXX credit card. For my mother, this barely makes an impact in her debt to income, but for me this is 30 % of what I make a year and making a HUGE impact on my negative debt to income ratio. She did call Barclay today, who confirmed that they do not have my SSN on file and " don't know how this could have happened '' and that I would need to file a report on it. I really just want this removed from my report. This should not be impacting my report or amount of debt to income.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (GA)

On XX/XX/XXXX there were over 50 unauthorized transactions to my account. Upon checking my account my funds were depleted to XXXX with the transactions totaling over {$2000.00}. I spoke with the bank and they informed me that they would send over a form and investigate the transactions. During this time I completed all the forms and returned every piece of evidence that I had to prove my innocence which was frustrating because I was the victim in this situation. I included screen shots of the device screen time which was clear evidence that the charges were not made myself or any authorized party. After weeks I received a letter stating that my claim was denied and the case was closed and not to be reopened and that I could call for further information which I thought was very odd since there was supposed to be a investigation. During the month of XXXX my account was compromised again this time for almost XXXX and after calling this time I received the same form but this time the turnaround for the denial was much quicker within days for a few of the transactions they never sent over the form at all which was very discouraging. Before the transactions in XXXX I signed up for fraudulent alerts and this did not happen. I am currently working with an attorney to assist me with this situation.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

I made a payment on XX/XX/2023 using my bill pay account for the amount of XXXX to my American Express credit card. Upon receipt of the payment Amex cs told me that the available credit should update withing 24-36 hours. When that time passed I contacted Amex cs again and they told me 72 hours this time. So I waited for the 72 hour period and contacted them again regarding my available credit. I was told this time that the available credit was put on hold indefinitely. So I got mad and cancelled the account and requested that the minimum payment be held and the rest of the XXXX payment be returned to me. That is when the mess started. While making my payment using the bill pay, the system gave me an error. So I sent the payment twice without realizing as each time I processed the payment it gave me an error. I decided to leave the system alone and wait for a day or two to check on the status. So the next day I saw that instead of one payment three payments went out. So I moved my money from the account so only one payment could pay. The other two bounced. So one was duplicate on XX/XX/2023 and the other one was sent on XX/XX/2023. I have asked the customer service weather I could request my payment back as American Express only requires that a minimum payment be satisfied, I was informed that yes. So Ever since XX/XX/2023 I have been requesting my payment back and I would get a denial as the the team ( backend ) as they call it would state that I did not have credit balance on the account. I have been struggling for months to explain to these foreign agents from XXXX and XXXX that I had only requested that my payment be returned to me but they kept sending me messages and letters that my two payment were returned therefore there was no credit balance on the account.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, 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. (MN)

I recently received a copy of my ( Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 


My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX SSN : XXXX XXXX XXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX and Transunion are not investigating the collection/chargeoff accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. In addition, these accounts are over ( 7 ) years old and should not be reporting at all! The accounts are as follows - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached. ) The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-10-29
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: Credit Karma (GA)

I've used this credit reporting company for years and now they claim to not have any of my information in their system. The number for customer service diverts you somewhere else. Keep kicking my information out.
Consumer complaint received 2017-09-06
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: CCS Financial Services, Inc. (FL)

My ex-live in girlfriend/office manager fraudulently opened accounts in my name. I submitted an Identity Theft Victim 's Complaint and Affidavit report with a demand for a copy of the application. I have been ignored.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Several Errors for An Alleged Debt are On My TransUnion and XXXX Consumer Reports.

Date Opened can not be XX/XX/XXXX On My TransUnion XXXX Report AND also be XX/XX/XXXX on My XXXX Consumer Report. 

The Account Is Listed as A Charge Off Therefore there Can not be a Balance of {$790.00} AND a Past Due Amount of {$790.00} listed on XXXX XXXX TransUnion and XXXX XXXX Reports. 

No Account Can Be Listed as Charged Off as Bad Debt AND Canceled by XXXX AND Closed Due to Inactivity AND Reprted As A Loss by the XXXX XXXX AND XXXX in the Legend as CO for Every Month from XX/XX/XXXX through XX/XX/XXXX. 

Violations of My Consumer Rights include : XXXX CO XXXX XXXX. 
Not Reflecting a XXXX XXXX after XXXX has Been Sold. 
Not indicating XXXX the Account was Sold. 
Errors Across Multiple Consumer Reports. 
Attempts to Collect a Debt after the State of Illinois Statute of Limitations for Debt Collection has passed.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My loan was transferred from XXXX XXXX XXXX to Select Portfolio on XX/XX/XXXX. I am in the process of refinancing my first loan therefore am on a timeline to close escrow. On XX/XX/XXXX, I called Select Portfolio and requested a copy of my Note per the refinancing lender 's request. I was told I would be faxed the note but I did not receive it. When I called back a few days later, I was told that they couldn't locate the Note and were looking for it and they would have to reach out to XXXX XXXX. I was told that it would take a few days. Last week, I called to check on the status and they still hadn't located it and told me that they would put a " rush '' on it. I called back today XXXX XX/XX/XXXX XXXX and Select Portfolio is still telling me that they have not received anything from XXXX XXXX. 

It has been 2 weeks since my initial request and there has been no progress. This loan was transferred 7 months ago. If I am late on a payment, I receive calls daily asking for payment yet when the table is turned there seems to be very little effort as it doesn't seem as impactful or important to the lender. 

This Note is needed as part of my loan refinance. I am requesting assistance so that the Note be located and I be sent a copy ASAP. Thank you.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (WA)

On Wednesday, XX/XX/XXXX, I contacted Apple Support after receiving a message that my account had been " restricted '' and I was unable to make purchases. After speaking with customer service, I updated my password, and I was asked to confirm a transaction I made. I confirmed the purchase - a SIM card from XXXX, so I can use my phone while traveling this month in the XXXX. They told me I would need to confirm a verification code sent to my device. I did not receive the code, and I told them this was probably because I had changed SIMs and can not receive calls or texts to my primary number since I am abroad. I was connected to another supervisor who said they would help me get the restriction lifted. I explained the situation, but yet again, the rep asked for me to provide a verification code that I can not receive. I was then connected to yet another " Specialist, '' who transferred me to another " Specialist. '' I explained the situation yet again, and was told that another " Specialist '' would reach out but that they did not have a timeframe on when I would be contacted. At this point, the " restricted account '' was changed to a " locked account. '' On XX/XX/XXXX, I contacted Apple customer service again and was connected to a " Specialist '' who reiterated that they could not provide a timeframe for the account 's review and apologized for the inconvenience. I lodged a complaint which the " Specialist '' filed on my behalf. On XX/XX/XXXX, I reached out to Apple customer service again because I received my paycheck and realized that I was unable to make card payments using the app due to my account being " locked. '' I was told that my account will continue to accrue interest despite it being locked. The specialist said I can still make payments via the phone, but I explained for the millionth time that I am out of the country and I am unable to make calls from my primary number. The specialist apologized and told me they would try to find a way to get " everything worked out for me. '' Then, without a further reply, I was transferred to ANOTHER specialist. I explained the saga again. I was told yet again that they could not provide a date or timeframe for my account 's review. I told them that I would be filing a complaint with CFPB and warning anyone against opening an Apple Card account. They made note of the complaint and my XXXX number. I have heard nothing since this final communication, and my account and card remain locked. I can not use my card or make payments on my current balance.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

This is the second complaint. The original complaint detailed how I lost my job due to COVID and had to move away from the health club. I sent both calls and emails to the health club informing them I moved away and I was seeking to cancel my contract with them. The earliest email I have was on XXXX XXXX, 2020. The debt collection agency claimed that I only cancelled in XX/XX/2020, but see the email attached.
Consumer complaint received 2021-03-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (AL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-03-15
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: I.C. System, Inc. (CA)

In XX/XX/2021, I pulled my 3 credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount XXXX XXXX {$490.00} XXXX XXXX {$690.00} I C System Inc {$820.00} XXXX XXXX XXXX {$100.00} XXXX - XXXX XXXX  {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
Consumer complaint received 2021-03-15
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: EQUIFAX, INC. (FL)

ATTN XXXX XXXXt I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

nOTE IT IS IMPOSSIBLE TO REACH OUT TO ANY OF THESE CREDIT REPORTING GIANTS - PERIOD. nOTE ALL OF MY CREDITORS HAVE BEEN EITHER PAID IN FULL OR PAID AND THE REPORTING DOES not REFLECT THAT! once AGAIN WE ARE BEING FINANCIALLY HARMED BY INCORRECT REPORTING CAUSING SEVER FINANCIAL HARM AND YES HERE IN FLORIDA SEVERE elderly ABUSE!
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

There are four ( 4 ) unauthorized postings on my TJX Credit Card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each for {$38.00}! 

The alleged merchant : XXXX  XXXX  XXXX.XXXX XXXX  MN I NEVER heard of this outfit and NO nothing at all about it! 

BUT TJX CREDIT CARD refuses to stop this alleged merchant from charging my said TJX CREDIT CARD! AND SAYS IT SHALL TAKE UP TO TWO ( 2 ) MONTHS BEFORE IT DOES SO. OUTRAGEOUS!
Consumer complaint received 2021-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK (MI)

My XXXX XXXX ( via XXXX XXXX  ) has sent a {$600.00} payment to XXXXXXXX XXXX ( TCF Bank ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. XXXX XXXX has contacted TCF Bank several times and TCF claims no funds are being withheld. I have paid the {$600.00} to XXXX XXXX in my XXXX billing cycle. I have contacted XXXX XXXX  numerous times in which they claim the {$600.00} has been sent. Attached are two letters. One from XXXX XXXX stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (SC)

XXXX XXXX Bank has discontinued its credit card services. I hadn't used their card because of terrible customer service and their new points system. In XXXX they announced a new USBank credit rewards card. Upon acceptance, XXXX XXXX discontinued all credit services and passed their customer to USBank. I got my USBank card and immediately used it to pay my cell phone bill. I messaged XXXX XXXX to ask them to close the old XXXX account so 2 credit lines would not show on my credit report. I called USBank to make sure my credit was secured and their customer service assured me I had nothing to worry about. A day or two later, I tried using my USBank card at a retailer and the card was declined. XXXX XXXX asked USBank to close my credit despite the fact that was not what I asked. 
I called USBank and they could not explain why my account was deactivated despite the customer service notes showing I wished to use the USBank credit. USBank told me it would take 18 days to try to reactivate the account. I asked how I was supposed to know when I could use the card and they could not give an answer. Both XXXX XXXX and USBank have terrible customer service. All this transpired the last week in XXXX and first week inXX/XX/XXXX. I have an excellent credit rating so I fail to see why this would accur. I have no documentation from US Bank and only a closure letter from XXXX XXXX.