davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Apelles, LLC (FL)

On XX/XX/21, I was contacted by XXXX, who did not want to identify the company she represented. After repeated requests and having to talk over her, she finally revealed her company as Apellus, and when I refused to give her my personal information ( because to my knowledge, I have no business with Apellus ), she stated she was ending the call and " it's on you ''. I called back to confirm the company name, as her hastiness and rudeness made it difficult to understand the company name she gave me, and XXXX again did not want to identify her employer without first obtaining my personal information. To date, I have received nothing to identify who this company is or what business they presume to have with me - which also violates my consumer rights and laws governing debt collection practices.
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (CA)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/2020
Consumer complaint received 2022-08-31
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)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX* Balance Owed : {$410.00} Date Opened : XX/XX/2020
Consumer complaint received 2023-06-24
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. (NY)

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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hi my is name XXXX XXXX. Im having some issues with my servicer Select Portfolio Servicing. Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called SPS on XX/XX/XXXX at XXXX spoke with a representative asked them whats the status and they told me that they have received the complete Request for Mortgage Assistance packet and its under review but they also said that they will still continue with the foreclosure sale scheduled for XX/XX/XXXX. 

They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX, XXXX and Equifax continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a XXXX bankruptcy ( XXXX ). 

***Negative reporting on a XXXX debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX XXXX, XXXX and Equifax is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against XXXX, Equifax and XXXX. 

I am requesting that XXXX, Equifax and XXXX to CEASE and DESIST their negative reporting of XXXX XXXX account.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

On XX/XX/XXXX, XXXX XXXX XXXX filed an affidavit in the XXXX XXXX of deeds in XXXX, stating that XXXX XXXX  was the foreclosing mortgagee and was the note holder of the original Note ; that affidavit was fraudulent ; the Note was held by XXXX XXXX  who filed an affidavit on XX/XX/XXXX, stating that the original note is lost and they are unable to locate the note. 
In XXXX, a foreclosing entity must have the mortgage and the original note to be entitled to foreclose, which XXXX XXXX  does not have the original note because it was lost. In contradiction to the affidavit filed at the registry of deeds, XXXX XXXX  produced a fraudulent affidavit stating that they were acting as an agent on behalf of the original note holder ; that affidavit was false because the affiant retracted his statements. 
XXXX XXXX  now threatened to foreclose on my property ; they denied me a loan modification. This conduct by a XXXX XXXX  is fraudulent because they are neither an agent nor the original note holder,
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-08-31
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: BARCLAYS BANK DELAWARE (CA)

I have a XXXX XXXX XXXX with Barclays Bank and they reported that I have a XXXX late payment for the month of XXXX, XXXX  on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in XXXX. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by Barclays on XX/XX/XXXX. Barclays has yet to resolve the issue.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX and XXXX continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX Transunion, XXXX  and XXXX  is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against XXXX, XXXX  and Transunion. 

I am requesting that Transunion, XXXX and XXXX  to CEASE and DESIST their negative reporting of XXXX XXXX account.
Consumer complaint received 2023-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NJ)

The company Debt Recovery Solutions is a fraudulent company claiming to be debt collectors. I have no knowledge of the medical debt they are claiming dated back from XX/XX/2017 in the amount of {$740.00}. I have confirmed with the medical facility that all of my medical bills are fully paid off and the medical facility will be mailing to me an itemized bill proving that. The debt recovery solutions people tried to obtain my social security number and other personal information and when I refused to give it to them they hung up my call, and I have already called them four times. They were also supposed to send to my email the documents that they are claiming that shows what I owe and I have never received that email. They are trying to scam me and have me pay them when that bill no longer exist and I need this taken off my credit report asap.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (FL)

I have received back to back phone calls from XXXX XXXX XXXX ( XXXX Bank ) Credit Card. 
I am about 18 days past due, and this amount of phone calls is absolutely harassment. 
They call from an unknown number every time, so when I did finally answer on XX/XX/2019 @ XXXX XXXX, not knowing who it was I asked who it was?! 
She said she was with XXXX XXXX XXXX and I said I would be making a payment in the next few days and that the ridiculous excessive amount of phone calls had to stop, do not call me again. 
They literally called me within 30 mins, 3 times!!! She said well that's true, I said they needed to stop, and she said we can call you as many times as we like and as often as we want!!! I told her wasn't legal and she stated it was. 
I ended up hanging up on her. 
Listen to the phone recording of the conversation.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank Of America closed my Credit Card ( which i know is within there rights ) even thought i have perfect payment history for over 7 years never missed payment, with no explanation. Issue is i spoke to BOA today XX/XX/2020 about my Credit Card, asking for about my account, and i was transferred to the collections dept ( XXXX spoke to me as noted on my account ) she informed me i was in collections on a account i am NOT late on, with perfect payment history. i requested a reduction on the payments or interest from BOA as indicated to me they closed my credit card account based on my BAD financial situation as they see it. What BOA is offering is Nothing to help me with my account or terms ( interest/payments ) only to refer my account to a DEBT Consolidation company, and to further RUIN my perfect credit standing, as they did by closing my account with NO Reason. Due to there ( BOA ) actions i have suffered a drop in credit standing and loss of credit rating ( a very severe act and an attack on myself by BOA against a past excellent customer ), speaks volumes about the real BOA and how they DONOT value customers and have worst customer service and attitudes with they customer ( which i am now proud i am NOT one of these and never will be again )
Consumer complaint received 2017-09-01
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. (CO)

I want to report Experian violation of the Fair and Accurate Credit Transactions Act [ FACT ACT ]. I have tons of trade lines on my credit report. One of the trade lines, reported by XXXX [ Opened on XX/XX/XXXX ], erroneously reported my account was being " 30  days late '' in XX/XX/XXXX, even though I mailed  them a payment check. When I opened a dispute through the Experian website, Experian forwarded the dispute to XXXX, and let XXXX have the SOLE decision to make a decision without reviewing all the facts and documents presented to them. To give the creditor sole power to make decisions is an illegal process that can result in incorrect information on a person 's creditor report. 

I hope this error gets resolved by Experian because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report, and refusing to correct it. 

I have attached copy of the check I mailed to XXXX as proof that a payment was sent to them. I want Experian to update my account status to remove the " 30 days late '' to accurately reflect the status of my account according to the Fair and Accurate Credit Transactions Act ( FACT ACT ). Since they house all the data, they have a legal responsibility to make sure it is accurate.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (SD)

My husband and sole business owner had a business account with Wells Fargo. This business was originally opened with XXXX  Secretary of State and transferred as a foreign entity to XXXX XXXX in XXXX due to our move to XXXX XXXX. The business owner/spouse passed away on XX/XX/XXXX. In XX/XX/XXXX I am his wife and executor of his estate started getting notices from XXXX  Comptroller of public accounts about Tax/Fee due. I have contacted the Comptroller office, told that my spouse and business owner died, was able myself to cancel/end sales and franchise tax and submit paperwork to XXXX  Secretary of State for his business closure. Certificate of termination of this Entity on XX/XX/XXXX has been forwarded to me and attached. This Certificate of termination and Certificate of Death along with SD Affidavit of Collection of Estate Asserts have been presented to the Wells Fargo Bank to close the business account. 
The Wells Fargo refused to close this business account that has a small balance left less that {$1000.00} and gave me a run around.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I purchased furniture at XXXX XXXX on XXXX/XXXX/XXXX and used their promotional offer of no interest paid during the XXXX moth period I was offered. I enrolled in auto pay so that it would be paid off on time based on the calculations the store and credit company gave me. Fast forward that time frame and synchrony, the credit card company charged me up front all the interest not paid due to my account still having a balance by the end of the 24th months, I of course was very upset at them and rightfully so because they gave me the dollar amount to pay monthly so it would be paid off in full which apparently it wasn't enough so on XX/XX/XXXX they added all the interest not paid as a due balance and even though I didn't agree with it I continued making the auto pay to now pay off the interest owed during that time frame, well fast forward to XX/XX/XXXX and I noticed that they are now charging interest as if this is a new PURCHASE eveey month they charge interest on TOP of the accelerated interest they had already charged me!! At this rate it will never be paid off!!! they are applying a very minimum amount towards the balance and I'm nowhere near paying off the original interest due to this blatant fraud. Please see attached statement where their statement of how interest is charged at the end of promotional period is extremely misleading. I have been paying under the impression that I'm just paying the interest owed from the date of purchase UNTIL the end of the promotional period. NOT that the company would charge interest on TOP of interest already owed. This is NOT a purchase balance now it is ONLY the interest accrued during the promotional period and until it ended. This is clearly a fraud being committed by this company and abusing consumers by misleading and fraudulent charging clients. I purchased a bed set for my daughter, should have been about XXXX it is now costing me over XXXX based on this fraudulent activities allowed by this company.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Opportunity financial is still showing up on my credit report as a charge-off they agree to take it off if i settled with them and i did just that a year ago Ive sent plenty of certified letters and got no responds.it is reporting on all three of my bureaus XXXX XXXX XXXX finance is reporting a late payment of {$570.00} From XX/XX/2022 i was never late with that payment and I've sent at least 4 certified letters so they can correct it and they never did it is reporting on all three of my bureaus XXXX XXXX is on my credit report and they agreed to remove it if i paid in full and they never did it recently i was able to get it removed from my XXXX but its still reporting on my Equifax and XXXX list of tracking number XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-01
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. (FL)

I do not know what to do, I placed a fraud alert on all three of my credit files but someone is still accessing my credit through Experian. I want these remarks removed I DID NOT APPLY FOR ANYTHING. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-09-01
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. (TX)

These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted Experian, and XXXX on several occasions more recently on XXXX XXXX, XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XXXX XXXX, XXXX, I will file a civil claims lawsuit against Experian, and XXXX Credit Reporting Agency.
Consumer complaint received 2022-08-31
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. (GA)

Good Day, my information is being used by someone to open and apply for things, now there are accounts on my credit profile that I do not recognize. These items affecting my ability credit and my basic ability to sustain and stabilize myself and my family. Please, remove these fraudulent items as I am a victim and my life and family are suffering. 


Open Accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$310.00} Credit Card XXXX Opened : XX/XX/XXXX Balance : {$340.00} Secured Credit Card XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$100.00} Secured Credit Card Collections Accounts : XXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX Balance : {$370.00} Original Creditor : XXXX XXXX XXXX XXXX