davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (NJ)

Hello, I would like to file a formal complaint against Celink, a reverse mortgage servicing company. This complaint is in reference to my XXXX loan that is serviced by Celink. 

The complaint is regarding servicing and business practices related to payment of my loan. I am an XXXX year old senior citizen, live alone, and my only income is social security. From XX/XX/2020 through XX/XX/2020, I was hospitalized in intensive care with life-threatening XXXXXXXX  and XXXX issues related to XXXX and XXXX. From XX/XX/2020 through XX/XX/2020, I was in a post-acute rehabilitation facility for recovery. I live alone, and was unable to pay most of my bills. My son assisted me. The only real problem creditor was Celink. 

During my hospitalization, Celink refused to communicate with my son regarding any aspect of my loan, because he allegedly was not listed on the account as a representative. However, he has spoken to people in the past from Celink. In addition, he has submitted paperwork to Celink for authorization. Because Celink said he was not authorized to speak on my behalf and Celink does not have an online portal, there was no way he could pay or discuss the loan status. In addition, I could not fill out my annual occupancy letter because it had to be filled out and signed by me. As a result of the pandemic and my health status, I was not in a position to complete the paperwork. Consequently, the language in Celink correspondence threatens loan default if payment and occupancy certificate are not completed. My son felt helpless and scared that my home would be foreclosed upon because of Celink 's intransigent attitude. 

Quite frankly, Celink is heartless. Although they have granted extensions on loan payback, generally they have not been helpful nor communicative in assisting me. In the past, I seem to get different answers to the same question. I have repeatedly requested online access so that my son could assist. There have been mail delivery issues in my community, so he wants online access to pay my bills, especially since I am not ambulatory and the mailbox is a distance away. 

I don't think it is right the way the way Celink has administered my HECM and I would like to request assistance from a regulatory agency to ensure I am not evicted onto the street. 

Thank you.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (NJ)

For over XXXX years Ive tried with both ally XXXX XXXX XXXX and XXXX to resolve the incorrect information on my credit report to no avail its a perpetual circle that no one knows how to fix or care to Ally Financial has me as delinquent on XXXX Credit Report and within bankruptcy when Ive been discharged from Chapter XXXX bankruptcy sinceXXXX also Ally Financial was paid in full. When I called they have no history of my account I do not have the Vin number since the car was totaled a long while ago please help
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I closed my account with Wells Fargo some time last year because they were constantly taking money out of my account the amounts ranging from small to $ XXXX. I would call and dispute the charges and everytime they wouldnt be able to give me a reason why they took the money out and gave me every excuse in the book as to why they couldnt give me my money back. This happened straight for months till I closed the account with them. They owe me at least {$1500.00}. I dont know the exact amount because as soon as I closed my account they restricted my access from my account on the mobile app and website.
Consumer complaint received 2018-03-03
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. (CA)

Credit report states negative items due to credit inquiry. No credit inquiries are listed. Credit report states 21 % of credit is being used. This is incorrect. 
This changed my credit by 50 points, knocking it down a full level. All the errors are inside the actual credit bureaus, as their report do not actually have any details to confirm their supposed negative items. Their error-correcting webpages don't seem to have a way to correct ghost errors.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (MO)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$410.00}
Consumer complaint received 2023-07-16
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: BMW Financial Services NA, LLC (CA)

BMW Finance has reported to all 3 bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Current Creditor : Cavalry XXXX XXXX LLC Reference Number : XXXX Recently in the mail I received a collection/charge off account from Cavalry Portfolio Services LLC saying I owe a debt of {$3900.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account.

*** You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies and send me a letter stating as such. 

Enclosed with this CFPB complaint are : My drivers license that shows identity Mailing address This letter
Consumer complaint received 2023-01-16
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. (KY)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2020-06-08
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: Westlake Services, LLC (MD)

XXXX XXXX XXXX XXXX XXXX Westlake Financial Services XXXX I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 :15 U.S.C 1681 section 602 A. States I have the right to privacy :15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions :15 U.S.C 1681c. ( 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 . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

I had signed up for hurricane disaster relief after hurricane Ian, in which would lower my monthly payment or no payment at all. We asked the agent that we spoke to. Is this good affect our credit she said no. Then they come find out two months later no XXXX, I get a notification from XXXX XXXX showing Ive missed 30 and 60 day payments, so I called them I speak to someone explain the situation they do an investigation of the information I told him I was told they listen to the phone calls that were recorded and agree that their agent was in a wrong in their system. Coding was wrong so they sided with me in the investigation, so they needed to fix my credit reporting showing that I didnt pay for two months in a row and they close the account. Now here we are end of XXXX and now that Ive mentioned Im gon na get a lawyer involved because Im trying to buy a house and I need you guys to fix this. Were not gon na fix it now and I asked to speak to someone higher up there in the account manager, I was speaking to, and why did you weeks didnt get a phone call so I called back and was told someone would called me as soon as I get out of a meeting. Never got a phone call back. To also add I disputed the payment history for this card on XXXX XXXX and theyve corrected it.
Consumer complaint received 2020-06-08
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. (IL)

I have contacted TransUnion and XXXX  on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am seeking removal of all incorrect or outdated personal information being reported on my credit file. The account that TransUnion continues to report is XXXX XXXX  and XXXX is reporting XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. Again, I must say these account does NOT belong to me. Ive sent in my FTC Identity Theft report along with my dispute letter for review but this account is still reflecting on my credit report.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (TX)

I am writing to express my ongoing frustration and concern regarding the inaccurate reporting of a late open account on my credit report, despite my previous attempt to rectify this issue. This recurring error is negatively affecting my financial standing, and I urgently request your immediate intervention to address and resolve this matter. 

I initially identified this discrepancy on my credit report. To my dismay, the account mentioned above has been persistently reported as late, even though it was opened. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the correction of the late payment reporting. During this conversation, I was informed that an investigation was underway. 

Lack of Response : To my dismay, I have not received any response or resolution concerning the correction of the late open account on my credit report. 

The persistent presence of this error is seriously impacting my credit score and my ability to access credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly rectifies the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Bank statements and payment records demonstrating my consistent, timely payments Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

XXXX shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid XXXX to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. XXXX has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX XXXX tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it XXXX days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from XXXX and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid XXXX to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. XXXX has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX XXXX tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it three days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from XXXX and the bank, that they did receive my may payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I make a payment of XXXX XXXX It was in XX/XX/XXXX. The company called XXXX XXXX XXXX XXXX never sent me anything of my purchase. In XXXX, I received a tracking number from XXXX, but XXXX XXXX XXXX XXXX only print the label and never drop off the package. Two months ago approximately XXXX XXXX XXXX XXXX respond an email saying to me that I need to contact XXXX. XXXX never received my package, they told me. I need help please, this company has been very unreliable.