davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Community Loan Servicing XX/XX/2021. 

After making regular monthly payments, suddenly in XXXX I started receiving notices of overdue payments and the process of forbearance. According to their website, they subtracted {$1000.00} from my previous payments which then showed I was behind by two months. I called their customer service and they said I put a stop payment on the XXXX payment for {$1000.00}?? The payments are only $ XXXXmo. Rep said I could send a dispute with documentation of the last 6 months Bank statements showing the ACH payments and I would get a response in 24-48 hrs. Sent dispute paperwork on XXXX, didn't hear anything for a week. Forwarded the first email with a follow-up email on XX/XX/XXXX. On XX/XX/XXXX got a call from collections trying to get me to make a payment telling me he doesn't see the dispute or the emails. Then he found the emails and gave me a different number for the resolutions team. That turned out to be the number of an apartment complex in XXXX XXXX. Called back ( each call is an hour long wait to talk to a person ) and she gave me a completely different number. Called that number, and after a hour on hold the line disconnected. Meanwhile, my insurance company of two of my rental property 's sent me notification of re-rating due to default on my mortgage and I have received several letters from Community Loan Servicing informing me that I am in default of my loan and may soon start the foreclosure process Finally on XX/XX/XXXX I spoke with someone ( another hour on hold ) who said they fixed their mistake and loan was current and they were going to fix the credit reporting in 2 or 3 weeks. In the meantime my bank is re-reviewing my SBA application for a business sale and is in jeopardy. I have still today not received any conformation from Community that I am disputing their records. They said they can only correct the record and can not contact my insurance company to explain what happened. They can not explain what happened?? Just to say it was a mistake in the payment processing dept. How can that be? All my payments are ACH which is an automated process? How can you " stop payment '' for {$1000.00} when the payments are {$760.00}? Mistakes happen, I get it, but how you how you react to fix it is how you are perceived. Customer service is WAY down their list of priorities and feel bad for their frontline employees who have to deal with the incompetent Ownership and Management of this company. Its greedy to take on more business than you can manage effectively.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

A XXXX account via XXXX XXXX was charged-off in XXXX. XXXX states on my credit report that the account was sold to a third party following the charge-off. The company that XXXX lists as the third party is different than XXXX XXXX who is the collections company purporting to collect on the same charged-off XXXX account that XXXX is reporting on my Experian credit report. 

XXXX XXXX and XXXX XXXX are both reporting negative information for the regarding the same XXXX funded account. This is a duplicate reporting that creates an unfair negative impact from a single account. Experian must remove the duplicate negative reporting.
Consumer complaint received 2021-03-18
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. (GA)

Transunion has failed to conduct a proper investigation and correct the items in error on credit report. 

For XXXX XXXX Account status reports as Derogatory on Transunion and XXXX but still reports open on XXXX. 
Date of last activity reports as XX/XX/2020 on Transunion, XX/XX/2020 on XXXX and XX/XX/2020 on XXXX. 
Date of last payment reports XX/XX/2020 for Transunion and XXXX but reports XX/XX/2020 for XXXX. How can these be accurate when the payment history for XXXX  and XXXX shows that the last payment was made in XX/XX/2020 but shows 30 days late for XX/XX/2020? In addition, there is no payment history for Transunion on account to show proof of late or delinquent payments? How is this reporting accurately? 

For Chapter XXXX Bankruptcy Three different court names that are invalid and inaccurate are being reported for this account. According to the FCRA information being reported on a credit report must be accurate and reporting the same across all three bureaus or it must be deleted from a credit report and no longer reported.
Consumer complaint received 2021-12-20
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: TRUIST FINANCIAL CORPORATION (FL)

Spoke to a customer service representative on XX/XX/20 about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I sent a verification of debt letter to this collection agency and never received a response for the requested docume nts such as and limited to : 1 ) Agreements authorizing Resurgent to collect this debt with the creditor. 2 ) Agreements with my signature assuming said debt 3 ) Valid copies of the debt 4 ) Proof status of limitation has not expired 5 ) Complete payment history along with other charges applied 6 ) show licensing to collect d ebt in my state 7 ) license number and registered agent I have been waiting for over a month and no answer as of yet, I also claim this debt is not mine after legal action. to which I am bound not to discuss and the claimed debit is grossly inaccurate. I was never informed of this debt prior to reporting it or that it would be reported. This claim of debt needs to be addressed prior to futher legal action is taken
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (MD)

I have an issue with XXXX, Experian, and XXXX. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have an issue with XXXX, XXXX, and TransUnion. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.
Consumer complaint received 2021-03-19
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2022-10-31
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. (CA)

I submitted a letter to the TransUnion Credit Bureau XX/XX/XXXX to update this suspicious information. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been back and forth with both  Capital One  and  XXXX  about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

Experian, scammed me by offering a FREE TRIAL. Then putting me on autobill for {$29.00} every month and {$24.00}. Once you log in the account they deceptively show you a page that forces you to make one click to continue and a wrong clicks gets you billed over {$100.00} of dollars. 


Once you login from : XXXX XXXX XXXX XXXX The next auto page is : XXXX XXXX XXXX Where a trick pink button takes your money away. I called them to get my money back and they claim a HIDDEN. " Terms and Condition '' link far at bottom Experian billed me all below and NEEDS TO REFUND EVERYTHING, currently only 2 of 6 transaction are refunded. They are refusing to refund the rest XX/XX/2020 Experian* Credit Report Bills & utilities {$24.00} See details about this transaction XXXX XXXX XXXX Experian* Credit Report Bills & utilities {$24.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$24.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$29.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$29.00} See details about this transaction XX/XX/2020 Experian* Credit Report Bills & utilities {$1.00}
Consumer complaint received 2021-03-18
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. (MS)

XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus TransUnion, XXXX and XXXX. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (IL)

Ive been receiving different Collections notices Attached to JHPDE Finance I LLC from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was XXXX XXXX XXXX who Never answered my Complaint with the CFPB regarding this matter and now JHPDE Finance I LLC has sent this Fraudulent debt to XXXX XXXX , XXXX I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and JHPDE Finance LLC keeps circulating the fraudulent debt around with knowledge its Fraudulent.
Consumer complaint received 2023-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I placed a buy order with Coinbase of XXXX and Coinbase said the clear date would be on the XXXX due to the nature of XXXX taking a few days to clear. On Monday morning the XXXX they flagged my account and told me the delay would be 30 days. The money has already cleared my bank account, they are locking the funds for an additional 45 days. I've reached out multiple times and sent multiple tickets yet they refuse to acknowledge the issue. I've verified my transaction and my identity with them. I'm not sure what else to do
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (LA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I have been waiting for 180 days, which have now passed and l still can't transfer my money out and I was charged a large fee too of XXXX l am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (NV)

On XX/XX/2021, a direct debit for {$100.00} was made from my bank to Continental EXC XXXX XXXX for XXXX XXXX XXXX. XXXX XXXXXXXX XXXX is supposed to deposit the amount converted to XXXX to my recipients bank account in the XXXX on XX/XX/2021 to be available XXXX XXXX. 

The amount was never deposited to the recipients account. After talking to XXXX XXXX XXXX, I was told to contact my bank to initiate a fund recall which I told my bank by phone and email. XXXX XXXXXXXX XXXX sent me an email to ask the bank to initiate the process which I forwarded to the bank. 

After talking to XXXX XXXX XXXX and my bank several times, my bank kept saying they can not do a fund recall and that XXXX XXXX XXXX  should refund the money back to my account. 

XXXX XXXX XXXX is saying they can not do the refund until the bank starts the process of recalling the funds. 

Several phone conversations with both the bank and XXXX XXXX XXXX saying the same thing about the other side.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

In XXXX Collection Bureau of America ( CBA ) filed a delinquent XXXX XXXX XXXX XXXX against all credit bureaus on my credit. In the amount of {$600.00} that was owed to XXXX XXXX XXXX XXXX XXXX. Claiming that they were the owners of this collection as of XXXX. One of my question to them, were if you had this account for six years why haven't you I had any communication or correspondence from your company. The person could not answer the question, nor did he have a answer for my current address or phone number. However he stated they had been sending correspondence to XXXX XXXX XXXX a address I have never resided. I reached out to CBA informing them of that I have never lived at this property and-my identity had been stolen. I also requested a copy of this alleged bill. To date I have not received the alleged delinquent bill. It's very clear they have ignored The Fair Credit Reporting Act ( FCRA ) a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. If they do not removed the delinquent account from my credit reports I will take them to XXXX court. ( I was unaware of their attempts to reach, I contacted them once I saw the negative reporting.
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

1- I had already submitted a complaint, as the collector has been harassing me for a debt that I do not owe.

2- The company- Credence- harassed me with repetitive phone calls in XXXX as well. Calls on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, twice on XX/XX/XXXX at XXXX and another right after that I answered and hung up after it was confirmed that it was Credence collections again, to which I had to block just to sleep through the night. They have again started calling me at early hours for the last two weeks. 
3- In my first complaint, I state that the debt they are trying to collect was a mistake confirmed by the company that sold them the debt. The company XXXX XXXX XXXX XXXX, lost a router in the mail during peak quarantine, to which they later found and confirmed they had found it. They still sent the amount for that router to collections and still havent resolved the issue. This is still the root issue. 
4- this is been going on for TWO years. When will this end? I am not at fault and I dont owe any debt.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (FL)

I opened a checking account with NFCU and had my SSI deposited into my new account. First of all a credit card or two were opened under my name fraudulent. My caregiver at the time who was handling my affairs. After finding that checks and charges were made to DDA and Credit Cards fraudulent. I advised Navy of the Fraudulent DDA and Credit Cards opened and abused under my name and they suspended my accounts and also charged me back for unauthorized transactions.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I attached my social security number, drivers license and FTC report below.
Consumer complaint received 2021-03-18
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: Experian Information Solutions Inc. (CA)

I hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated it.