davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (FL)

I am reaching back out as I have been unsuccessful with reaching the company. I have have called the number listed on my credit report and have been repeatedly told they do not have an account for me. My daughter 's attorney was able to send me a print out of her bill from XXXX Fire and Rescue and I am awaiting my print out from my attorney from my accident. I am not sure which ride this case is referencing but I am very upset and confused as to how I am being billed for a service that has previously been included in my accident as well as my two insurance companies. Also, the phone number needs to be corrected on my credit report so I can properly reach out. 

Previous Complaint I received notification that I am being changed for an ambulance ride while in an accident. I have reached out to the original creditor XXXX Fire & Rescue department as this balance is an error. I have not received any update to my request. I then received notice from Security Collection Agency ( SCA ) advising I owe for this debt. At the time of the accident, my family and I was ensured with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as secondary. However, due to this being an accident the charges were included in the accident settlement. I am asking that XXXX & SCA delete this account immediately from my credit report and their records as I am not liable for this debt. I am also following up with my attorney who represented me during this accident to see my next legal course of action.
Consumer complaint received 2022-11-05
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Im writing to request assistance with a late payment reported by my XXXX XXXX XXXX XXXX credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the XXXX XXXX XXXX XXXX credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted XXXX credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

portfolio recovery associates has been harassing me for a debt that is not mine. i explained to them numerous times in calls they have made to me that this debt is not mine. they have no signed contract between myself and the original creditor ( whoever that may be ), verifying legitimacy of this debt. they have no information regarding any payments that may have been made to this account in question, proving that i have made any payments on this debt ( which i haven't ). they have failed to provide any relevant information proving this dept is mine. ( no signed contracts or proof of how, when or where any payments have been made if any have been made at all, or my signature on anything ) they are ruining my credit score and i would like this false debt claim removed from my credit history immediately. if debt is not removed i will file proper legal action to discontinue the harassment and the negative impact to my credit.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (RI)

In accordance with the laws of debt collection, I am disputing the incorrect amount owed of {$9200.00} with TRANSWORLD SYSTEMS , INC. representing XXXX XXXX  account, XXXX. I had opened a dispute with XXXX  XXXX on Friday, XX/XX/2022. I had followed the provided instructions and completed a " Final Bill Dispute Form '' from their organization. As I had explained to the representative on XX/XX/2022 the amount is incorrect and I had terminated service on XX/XX/2022 and the account was deemed to be transferred back to the property owner as we were only tenants and were leaving the property. The " Final Bill Dispute Form '' was mailed to the following address with XXXX ( XXXX ) days of receiving as per XXXX XXXX  instructions : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MA XXXX ATTN : XXXX XXXX XXXX XXXX After mailing, I never received a return response from the company only a deb collection notice on XX/XX/2022 from TRANSWORLD SYSTEMS INC . The debt amount is incorrect, I am disputing the amount and this should have been resolved within XXXX XXXX as per the customer service supervisors instructions and completion of the " Final Bill Dispute Form ''. I am subject to believe XXXX  XXXX did not respond to my dispute in writing as I never received a written response via mail or email to the address provided.
Consumer complaint received 2020-04-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Guidiville Indian Rancheria (CA)

I have an outstanding debt with Blue Horizon ( {$400.00} ). This was a loan I had taken out to help pay for medical and moving expenses when I became XXXX and XXXX  retired with XXXX XXXX XXXX. The debt collector called a family member ( my brother ) repeatedly and at XXXX XXXX in the morning to try and contact me. Blue Horizon ( or its partner XXXX XXXX XXXX ) never left a message on my own phone number ; they contacted my brother directly and used aggressive language. They violated the rules of calling only after XXXX XXXX
Consumer complaint received 2022-11-05
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-28
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 ()

I tried to contact their customer service but still they didn't answer me right how to restore my account my account permanently limit in PayPal and I don't know how they didn't even give me explanation why my account restore I didn't do anything wrong, now they said I will wait 180 days to get an email about how I will get my balance there but still no emails receive in them the 180 days are over so pls help neto  get my balance and restore my account
Consumer complaint received 2022-11-05
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XX/XX/XXXX
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I have disputed this debt with Transworld Systems multiple times dating back to XX/XX/2019 and the company has not received correspondence from the residential community claiming I owe this balance. They have been given more than enough time to prove I owe this debt and I have received no response. The account remains on my credit report
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have request an investigation of XXXX XXXX XXXX on my credit report. The charge-off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error { Account number : XXXX, Date of incorrect reporting XX/XX/year> }. The creditor misreported my account. 15 U.S Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading or meaning in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigate, and
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I am trying to get the PMI removed from my mortgage. I have confirmed with Wells Fargo that my LTV is 77 %. However, they are stating that because it originated as an investment property they will not drop the PMI until it reaches a 65 % LTV. No where in any of the original closing documents was this explained to me. They have admitted that no PMI disclosure was signed at closing. The only thing they can reference is a few generic paragraphs within the deed of trust that we signed about PMI. Within that document it does not state the terms of the PMI. They are stating that since it is an investment property it is not protected under the Homeowners Protection Act which would mandate that the PMI be dropped at this point. I have been paying this for 10 years and I have never missed a payment. This is a deceptive and unfair practice on their behalf. I want the PMI dropped from the loan. Prior complaint number XXXX.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX XX/XX/2020, Barclaycard USA attempted a withdrawal from my bank account. I was pending my monthly paycheck, and so this payment was denied and I was charged both a NSF fee by my bank and Barclaycard. I had already paid the mimumum monthly payment for XXXX, so was unaware that an additional payment was being made. As a result of the NSF fee on Barclaycard, my credit card went over the credit limit. So I posted an amount of {$30.00} to reduce the credit limit - but this was also charged an NSF fee. Both the original payment and the {$30.00} payment were then retried, without my permission, by Barclaycard, charging 2 additional NSF fees ( at {$28.00} each ). I emailed, and I was slightly upset so had a slightly accusatory tone, to Barclaycard to stop attempting payments. Today, I submitted a {$250.00} payment to the Barclaycard credit card, to reduce my credit limit to well below the maximum amount, after I received my monthly paycheck. I wrote to Barclaycard explaining this. Through this process, however, Barclaycard did not, and has not replied to either of my messages ( through their online system ), and in addition, my online banking, is now showing my account is closed. I tried to call Barclaycard and their lines are busy with very long waits, which is understandable during the current COVID19 situation. But what is not understandable, is their lack of communication and attention to resolve this issue, again, similarly during this COVID19 crisis.

Thank you for your time.
Consumer complaint received 2020-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : KOHLS DEPARTMENT STORE # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX  XXXX # XXXX, XXXX/XXXX  XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX. The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have a credit card with Chase bank one I have had forever. I have my account on autopay. I have multiple cards. Chase placed it annual fee of XXXX on my account. The account had not had a balance all year. The Bank did NOT mail me a statement. They just charged the amount. After 40 days they mailed me a delinquent notice which I did receive. I went online to pay I have other credit accounts with Chase and had updated my I updated the bank account on my autopay. Chase did NOT advise that I needed to do that fore EACH CArd on the same account. In any event, I paid the past due fee online. The problem was that the check was returned account closed. So not only was I not late but it was because of a closed account due to Fraud. CHase REPORTED ME, DELINQUENT, for nonpayment of their annual fee. Even though I paid and it was returned. 1 ) they didn't mail me the statement with the fee 2 ) They don't show account info on the payment accounts online so I did not realize the payment was from a closed account 3 ) I have never ever been late 4 ) they reported me for an annual fee for a card I didn't want and wasn't using. 30 days late for payment of ANNUAL CARD FEE are they Kidding I have contacted them and they say contact the credit bureau credit beara says the reporting is accurate because chase says it's accurate Please stoop these crooks.
Consumer complaint received 2020-03-24
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. (NY)

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : Equifax XXXX and XXXX. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : XXXX and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX. I have no financial obligation with your company please delete this information from all credit reports like Equifax has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax, XXXX XXXX I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax has done. 


5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, Equifax and XXXX. I have no financial obligation with your company please delete this information from all credit reports.

5. Account Name : XXXX XXXX LP Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  I have no financial obligation with your company please delete this information from all credit reports like Equifax and XXXX have done, for thsi account is and never has been mine
Consumer complaint received 2020-03-24
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. (NY)

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : XXXX  XXXX and Transunion. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : XXXX  and Transunion. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and Transunion. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX, Trans Union I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Transunion and XXXX  I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done. 


5. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Transunion, XXXX  and XXXX. I have no financial obligation with your company please delete this information from all credit reports. 


5. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  I have no financial obligation with your company please delete this information from all credit reports like XXXX and Tranunion have done, for thsi account is and never has been mine
Consumer complaint received 2020-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (FL)

I used a money transfer service called Remitly and for the second time they state that the transaction Im doing is not or can not be completed but they have already taken the money out of my bank account Ive tried to reach them by phone via email text and XXXX  and they are not responding. They are responding to some people on their XXXX Asking them to send a private message but there is no other follow up to say that the problem was resolved. at this point I can not reach the company anyways phone text chat or email. They have XXXX dollars if they are holding until I can provide the more information but I can not reach them to do so they are not releasing the funds because I can not reach them I was able to reach them before but not anymore I need help