davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MT)

Called Jefferson Capital Systems LLC to find out what the debt was about and why did it just showed up on my credit report. I have never heard of a company called Jefferson Capital System. I never got a notice in writting to validity of the debt or who the debt was for. 
I called and talked to XXXX ( not in XXXX ) language barrier and was very hard to talk to and she passed me to XXXX and i had a hard time talking to her and asked for the Legal Dept. and she said she was in the legal dept. Ask to talk to someone with the legal dept who i could understand and was passed to another gental man who i couldn't get his name and fininally just hung up on them. 
Called XXXX XXXX XXXX in XXXX XXXX Mn and getting nothing but a recorded line about account numbers or SS which i will not give my SS to just anyone. 
So i filed a compliant the Sec of State in MN. and with this agency.
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (VA)

This account has been removed several times but keep reappearing. They are reporting inaccurate information on all three bureaus. XXXX is different on two bureaus. Labeled as a factoring company on one bureau. One account marked closed and others opened. If this account is verified information should be alike across all bureaus. This account has bought me financial distress because of their negligence. I am asking to cease all collections and removal from all bureaus.
Consumer complaint received 2021-01-04
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 (SC)

I was hired by a salvage yard to run their online work like selling items on XXXX. This small business already had an XXXX  and paypal account set up. When I first started paypal had the account that is linked to the business limited. I gave them all the information that they asked for and they took the restrictions off of the account. After a month of selling items on XXXX. Paypal once again limited the account and asked for the same information. After readmitting the same information, paypal shut down the account. After trying to contact them multiple times all I received in response was the same generic copy and paste email. They did not give any reason as to why they where shutting down the account. And when asked why they did not give a response to why. They then proceed to hold the money in the paypal account stating that is can not be withdrawn for 180 days.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I'm filing a complaint against my bank BBVA compass I have two accounts for them one is a personal checking ending in XXXX and the other is a is a XXXX XXXX Trust which ends in XXXX they approved the trust agreement they're legal department prior to it being approved and it was approved to form on in XXXX of 2020 on I am on XXXX I received an ACH deposit on behalf of one of the beneficiaries of the trust there was no problem with the bank I did not receive any written notice of there being a problem I'm around XXXX I went into the bank to withdraw funds some funds and they told me my accounts were frozen and that I had to add a certain individual to my account which I told them that I did not want to do because according to the trust agreement I did not have to so they froze my personal checking account and the trust account and have sent me an all kinds of wild goose chases trying to get the account in Frozen they ended up closing the checking account and they say they're closing the trust account and sending the original aceh deposit back and meanwhile I'm being charged NSF fees for returned items for the original originator and their on their side they have blocked me out of all my mobile banking so I can't see what's going on and the bankers involved are XXXX XXXX and the person in fraud t investigations who stated they were freezing my account is XXXX XXXX.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (OH)

I filed a report with the XXXX  about the charges on my account for XXXX XXXX ( XXXX XXXX ) and the fake bond their employe created. It shows me signing a lease by electronic signature not ink. I was out of town, and I have the emails that I never signed the lease. I had a credit score in the XXXX and making over XXXX a month, I didn't need a cosigner nor a bond it was just to resign the lease they also filed the bond on the allegations that the apartment was destroyed, I see the one company has been moved the fee of XXXX I can provide a letter from their employee that signed my original lease that the apartment wasn't new nor where any of the fixtures. And a video from the private cleaning company that the apartment was clean and that nothing was destroyed I lived at XXXX XXXX XXXX XXXX not the other address that they showed in the pictures or the fake letter they sent to XXXX  that they wasn't allowing me to stay I just received this from the XXXX  they received a notice I can also attach how they try to destroy my rental history by saying i paid late and they tried to raise my rent {$900.00} in XX/XX/year> and she created the lease and I was out of town yet I was caught back up XXXX. These people at XXXX XXXX XXXX XXXX and XXXX XXXX have used my personal information to create a fake bond I have the email they sent to XXXX  for the lease XXXX name is on it and for the negative remarks which could have prevented me in finding a place they were not able to do that so they messed up my credit with fake charges, and withholding my mail after I moved out and keep stopping the mail from forwarding that went on for 4 months I have proof of this from the XXXX. I need this account with National Credit Systems for {$1000.00} for a bond that I destroyed their apartment I have a video that shows otherwise time stated and I had XXXX of insurance on the property I have proof of that as well and they never made a claim so it doesn't make since. This was added to my credit to defame me, I paid my rent on time and never made them wait I have proof of that as well from bank statements I need these fake allegations and charges removed from XXXX XXXX XXXX XXXX ( XXXX XXXX ). And NATIONAL CREDIT SYSTEMS removed asap. 


( LINK OF THE VIDEO OF THE APARTMENT SO ANYONE CAN VIEW IT WITH THIS LINK ) IT SHOWS NO DAMAGES https : XXXXXXXX XXXX
Consumer complaint received 2024-03-22
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (NY)

I have been trying to increase my credit through my credit card company ( XXXX ) since XX/XX/2019 but I keep getting the following error : " We were unable to obtain your most recent monthly payment data from the credit reporting agency ''. I also noticed my score on my credit monitoring service ( XXXX ) is way off compared to XX/XX/XXXX ( 50 points lower, even though they use the same system ) and has not been updating at all for months now -- despite drastic changes like bringing credit utilization down from almost 90 % to 0 % -- literally, no change in my score but XXXX and XXXX scores drastically changed. The account info is updating but not the score, and I believe this is because multiple third parties that are pulling this info are not able to access my credit report from Equifax due to " split file '' issue. I have tried calling them for months, and they insist the scores can diverge, but considering my credit card company pulls data from Equifax & my score has not budged since that time ( despite drastic changes in utilization ), the problem is 100 % their system reporting / inability for third parties to access my Equifax score. Additionally, one of my credit accounts shows up twice on my Equifax report, but not on XXXX or XXXX, even though it is one account. I've been contacting them multiple times since XX/XX/2019, and I've had customer service reps insist nothing is wrong, I've had customerservice reps hang up on me multiple times for simply asking them to look into this, and I'm tired of having to go through this ... I also saw online someone faced the same issue and Equifax gave them a hard time and denied it was split file.https : //ficoforums.myfico.com/t5/General-Credit-Topics/Issues-with-Equifax-scores-report/td-p/5719571I just want this resolved so that my score can reflect my current credit situation for applying for an apt this month, and also so that I can apply for a credit increase. I believethis is from a " split file '' and Equifax needs to clean up my soft inquiry data ...
Consumer complaint received 2021-01-04
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)

XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/2014 Past due amount {$1000.00} Credit limit {$700.00} Contacted the original creditor for information in regards to this account being opened up fraudulently while I was in jail.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (CA)

I Would like to formally file a complaint against a my mortgage servicing Company, due to the current events created by COVID-19 There is two individuals name XXXX XXXX office manager in the XXXX office along with an Asset manager name XXXX XXXX, i have been dealing with them via email mostly XXXX XXXX as the manager XXXX XXXX avoids me discriminates against me when I call and always use the word investor and constantly put pressure that they cant help me. 

they forced me to send my money for my medicine and hospital visits to them with pressure tactics never speak to me they say I yell wont talk on the phone. they sent me a letter advising they will raise my mortgage payments effective XX/XX/2021 due to an escrow analysis i advised them i cant pay a XXXX more than i am already. they still don't care to help. 

The payments for XXXX and XXXX have been sent how ever they still don't care that I am doing all i can to pay on time. 

This company doesn't care for anyone effected by this whole pandemic thing. the company name SN SERVICING CORPORATION XXXX XXXX XXXXXXXX XXXX, CA XXXX
Consumer complaint received 2021-01-04
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. (NY)

I reviewed my credit report and i noticed some unauthorized inquires on my report which means some type of fraudulent activity was taken place. I ask that the following Hard inquiries listed in my FTC report to be removed.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MD)

( XXXX XXXX ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( GM FINANCIAL ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH THEM
Consumer complaint received 2021-01-04
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: Southwest Credit Systems, L.P. (MA)

A certified letter was sent asking to validate my with Southwest Credit, they failed to do so. I do not owe Southwest Credit, nor do they have any contractual agreement for payment from me the debtor specifically. Therefore, they must remove such inaccurate and negative information from my credit report.
Consumer complaint received 2021-01-04
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: DISCOVER BANK (FL)

In XXXX of 2020 I had a fraud transaction on my Discover card for XXXX. I was never credited back for this transaction so I contacted Discover in XX/XX/2020 to see why. I was told the credit was placed on my old card and needed to be transferred to my new card. I have contacted Discover 4 times since including XX/XX/2020 and this has not been resolved. Discover is illegally not moving my funds to my new card so I have access. I am told every time wait 10 days. I have been waiting since XXXX. Move my XXXX.
Consumer complaint received 2024-03-19
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. (OH)

I need help from the CFPB to assist me in obtaining my rights as a XXXX XXXX XXXX I am a homeless XXXX XXXX XXXX I reached out to Equifax on two separate occasions starting XX/XX/2024 uploading my XXXX XXXX documentation which consist of : ( i ) Victim determination ( A ) ( 2 ) Non-governmental organization, authorized by a federal, state, or tribal governmental entity to make such a determination ; also ( C ) is of a signed statement by the consumer attesting that the consumer is a XXXX XXXX XXXX  if such statement or an accompany document is signed or certified by a representative of an entity described in paragraph ( b ) ( 6 ) ( i ) ( A ) or ( B ) of this section. ( ii ) Identified adverse items of information. ( A ) ( B ) Proof of identification which was ID, social security card, bank statement and all documentation of determination. I reached out to Equifax on two different occasions asking that the items in my credit report that were the result of XXXX XXXX be blocked from credit report. I was told by Equifax, they weren't willing to accept the documentation because Equifax wanted me to use another governmental agency to do my determination without doing this my documents wouldn't be accepted, nor approved. I'm asking the CFPB to look into Equifax Willful noncompliance of the Final Rule 1022.142 ( b ) ( 6 ), 1002.142 ( b ) ( 2 ). I don't want this case closed until the items that are in my credit report that were the results of XXXX are removed.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

I received a corporate credit card from Citi XXXX XXXX back in XX/XX/2021. Along with the card, there were multiple packets included with it with various travel programs & benefits : baggage insurance, travel accident insurance, etc. One of the prominently featured benefits advertised was a XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. The fine detail said that after a XXXX check program was purchased, the account would be credited within 2-3 statement cycles ( 6-8 weeks ). The {$85.00} I paid for pre-check never came off, and by XXXX there was still no credit and Citi requests me to pay the balance. The payment portal has no dispute or message feature to inquire or provide proof of purchase either to request the credit. I finally called Citi and asked why there is still a balance and about the program, and they insisted it must have been a benefit advertised by my company and no one has heard of the program including the supervisor on duty. I called the number on the back of my card : XXXX I don't think it's responsible for Citi to advertise these benefits and claim to have no knowledge of it later. I would not have purchased the XXXX Pre Check had I not been led to believe it as a benefit. Thankfully, nothing happened on my trip to require travel insurance or an accident benefit, as it would seem that Citi would similarly deny any such program existed. At a minimum, an email or payment portal message of some kind or even a letter should have been sent if program benefits have changed or expired in anyway. I have scans of the physical documents that accompanied my card including the terms and conditions of the advertised program.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MD)

I have attempted to reach out to this company for an explanation of why my limit was decreased on 3 of my store cards ( NY and XXXX XXXX XXXX XXXX and XXXX XXXX ) All of these cards are serviced by Comenity. I did not receive anything stating this. I also was told by the rep I should have received an email, with such information and an email was not sent. Comenity has done this before, when I made a large payment taking my cards balance down to below the half way point. The limit decrease placed on all three cards took the limit down exactly to the limit causing an adverse affect on my credit score. My current overall utilization over all of my cards is below 30 % and my fico is in a fair range. There is no explanation from this company other then contact the credit bureau. I feel these are unfair and adverse practices, to me as an consumer. No one I spoke with had an answer for what Comenity has done other then a blanket statement. Mind you this card is paid on time all the time. The only option given was to apply for a limit increase which would be an hard pull on the credit report. These practices from this company are abusive to customers.
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (MO)

I didn't give XXXX XXXX XXXX XXXX XXXX permission to access my credit report. I have asked them to send me a letter as to why I was denied or what it was for and they have not.
Consumer complaint received 2021-01-04
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: JPMORGAN CHASE & CO. (CA)

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services.
Consumer complaint received 2021-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Please refer to the details of the complaint sent originally listed below with the attached evidence. The complaint is about deceptive practices where their statement shakes the account past due and a payment for the same amount at the bottom of the page. We received 2 call from XXXX in Truist escalation area and I returned the call and spoke to XXXX XXXX and gave exact clarity on the issue being the statement and the XXXX area not being able to answer the questions about the statement and the payment shown at the bottom of the statements. Truist closed the complaint with responses to XXXX reporting, XXXX Chap XXXX and a late fee and never answered why their XXXX mortgage area is ill equipped to answer questions and why is was the balance showing past due on an account with the payment of the same amount showing the bottom. Based on XXXX this is a deceptive practice. I called Truist escalation today XX/XX/2021 at XXXX to ask about the complaint and why was it closed without addressing the deceptive practice and XXXX XXXX says the matter is closed so he has nothing to look at so he cant respond even after I mentioned that I was seeking an attorney to assist ( please listen to the call ) He suggested that I open another complaint. This is unacceptable from a customer experience, risk mitigation and management. How many clients is Truist deceiving. Please HELP Review the companys response to your complaint.

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process
Consumer complaint received 2022-11-01
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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