davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX XXXXXX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-02-06
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: BYL Collection Services (CA)

To whom it may concern, I have made multiple attempts to have this company fix the wrong reporting on my credit profile. This is not my account. It is listed as such BYL XXXX XXXX  account number XXXX I have sent multiple letters disputing this information as well as advising them this does not belong to me and to with no success. I have recently sent the 3rd letter on XX/XX/ 2020 with no reply.
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MS)

A debt in the amount of XXXX from National Credit Systems is being reported on my credit report. I have requested validation of the debt. The company replied by sending a contract beginning XX/XX/XXXX and expiringXX/XX/XXXX and an account statement stating that my lease expired XX/XX/XXXX. The statement also says that the move out date was XX/XX/XXXX which is incorrect. National Credit System failed to send a lease renewal, a current contract saying that i occupied the complex during the time the charges were put on the account, and transaction history. I have let them know that they are reporting inaccurate information and that there was no contract with the company. I received an automatic message stating that the information is accurate and that it will stay on my report. As you can see the dates do not match up and there was never a renewal of the lease. The complex also received a 30 day written notice. Without the lease RENEWAL, the debt can not be validated.
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MO)

As of XXXX of XXXX my lease end at a {$0.00} balance and was paid by government agency through XXXX XXXX  when I reach out to XXXX XXXX XXXX XXXX  they acknowledge I do not have a balance with them and they dont have no acknowledgment of the reported balance and this was XXXX XXXX.
Consumer complaint received 2018-03-25
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: EQUIFAX, INC. (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in its entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX Not Proven Compliant Account -- > XXXX
Consumer complaint received 2021-09-08
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)

* XX/XX/XXXX - Application for For COVID-19 Forbearance is Approved by XXXX for 360 days. At this point my account with XXXX is current. 

According to XXXX 's Forbearance terms : " If your loan was current at the time of entering into this Forbearance plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current '' * XX/XX/XXXX - I am notified that mortgage servicing will be transferred to XXXX XXXX  XXXX d/b/a/ XXXX XXXX effective XX/XX/XXXX * XX/XX/XXXX - Servicing of my Mortgage is to XXXX XXXX  XXXX d/b/a/ XXXX XXXX * XX/XX/XXXX - XXXX XXXX  reports a 90+ day delinquency to TransUnion -- in violation of their agreement to report my account as current * XX/XX/XXXX - While applying for refinancing, I am informed of the XX/XX/XXXX entry in my credit report. This makes me ineligible to continue my application. 

I then contact XXXX directly. I speak to representative XXXX. She tells me that this mistake happens sometimes with accounts that are in forbearance. She then guides me on how to submit a credit dispute to XXXX. 
After submitting the dispute, she informs me that it will take up to 30 days to receive a response. I ask if this review can be expedited and ask to speak to a manager. 

XXXX 's manager then comes on the line. The manager informs me that the because my account was behind when I entered into forbearance, then it is reported as behind. 

I correct her that I was not behind on payments before entering forbearance. 

She then seems to come up with a different explanation -- that when they transfer mortgage servicers they have to report accounts in forbearance as behind. 

I then remind her that this is violation of the forbearance agreement. As I'm explaining this she talks over me repeating the same explanation as before. Trying to make my case, the manager hangs up on the call as I'm speaking.
Consumer complaint received 2019-03-04
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: SYNCHRONY FINANCIAL (TX)

This is a follow up for a prior case for CFPB XXXX. I am providing my credit report and the last four digits of my social security number. 

XXXX Inquiry 2 Inquiry Date - XX/XX/XXXX Creditor Name- SYNCB I filed an identity theft report with FTC as someone has stolen my information. I did not request any credit and have frozen my credit with XXXX. My credit report states the inquiry was made on or around XX/XX/XXXX of XXXX for a travel/entertainment card. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/XXXX. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

to whom it may concern, there is misleading information on my credit report. XXXX XXXX claims i owe them {$3800.00}. I do not owe them any money or any companies they resprent. I asked them countless times to show me proof of me signing any documents and over 45 days passed and they never did. To my understanding of the fair credit reporting act this should be removed off my file as it is in accurate and i have no idea what they are talking about. I had this also on my equifax which XXXX removed but for some reason transunion never did.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MO)

THIS IS REGARDING A XXXX/CITIBANK CARD ACCOUNT THAT WAS DISCOVERED EST. XX/XX/'17 SHOWING BEING REPORTED AS NEGATIVE ON ALL THREE CREDIT BUREAU ACCOUNTS OF MINE. THE ACCOUNT REPORTED IS LISTED AS " XXXX '', WHICH WOULD BE THE LAST XXXX OF THE FULL XXXX ACCOUNT. I DO NOT HAVE TE FULL ACCOUNT NUMBER.. 
In late XX/XX/2017, I contacted the FTC who advised me to send a certified mail letter to XXXX/Citibank that demanded XXXXhat they verify the validity of the account by providing a copy of my original signature for my examination and comparison. I made a mistake demanding the 7-day limit to comply, which should have been instead 30-days. However, the FTC said that it did not matter because XXXXCitibankwould know that if they failed or refused to comply within 30 days, then the regulations force the creditor to immediately .and permanently and completely purge/delete the reporting from all three credit bureaus. 

I also contacted all three credit bureaus rewarding this specific matter, but only XXXX XXXX has cooperated to delete the reporting. XXXX and XXXX only make the statements that " has been verified by creditor, but 'debtor ' disputes ''. That statement does nothing for me in a situation where the account should by FTC regulation have been long ago deleted. I've been fighting this for more than 150 days, much longer than the statuatorilyt required deletion after 30 days after XX/XX/2017 -- when XXXX/Citibank were notified by fax and certified mail.

See the several pages of PDF attachments with yellow my highlighted comments and clarifications.

THIS MATTER IS REALLY DAMAGING ME, AS I HAVE NO OTHER NEGATIVE CREDIT ISSUES, AND OTHERWISE QUITE A CLEAN, POSITIVE CREDIT REPORT. I AM ELDERLY, HAVE NOT FOR 10+ YEARS NEEDED TO USE CREDIT, BUT NOW HAVE A REASON TO DO SO -- -BUT XXXX/CITIBANK AND XXXX  AND XXXX  ARE SERIOUSLY IN MY WAY.
Consumer complaint received 2018-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Bayview Loan Servicing repeatedly calls our home phone number for an XXXX XXXX. On at least two occassions I have spoken with a operates who have assured my this number will be removed from their records because there is no one at this number named XXXX XXXX. I was assured our number would be taken out of the calling queue. Dates of my call were Monday XX/XX/XXXXand XX/XX/XXXX. One the most recent call, I even told them unless they quite calling, I will file a complaint with the CFPB. Thanks for your help.
Consumer complaint received 2019-03-04
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XXXX the XXXX 2019 i was contacted by by someone to let me know that this person had got my childs social security number and used it for credit cards and other things as in hooking their power up etc ...
Consumer complaint received 2018-03-25
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: CCS Financial Services, Inc. (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- XXXX XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

XXXX withdrew {$26000.00} from my checking account between XX/XX/2019 and XX/XX/2019 for XXXX cancelled reservations but I only authorized {$19000.00} for withdrawal. After many phone calls with XXXX during the past 30 plus days, and after being transferred several times to their payment processor, XXXX, today, XXXX from XXXX stated that XXXX has no supporting documentation for the {$26000.00} of withdrawals from my checking account. Also, he stated that only XXXX, the payment processor for XXXX, has this documentation but my contract is with XXXX, not XXXX. Then XXXX refused to put his statement to me in writing. Then he hung up, un-announced, from my phone call. A representative from Wells Fargo Banks XXXX department was a participant during this whole phone call today. 
XXXX withdrawals detail for {$26000.00} follows. 
{$6800.00} on XX/XX/2019. 
{$4800.00} on XX/XX/2019. * {$3900.00} on XX/XX/2019. 
{$3100.00} on XX/XX/2019. * {$3400.00} on XX/XX/2019. 
{$2900.00} on XX/XX/2019. 
{$1500.00} on XX/XX/2019. 

*XXXX  refunded these two deposits on XX/XX/2019, apparently to settle an unrelated dispute for overcharging RENT PAYMENT FEES ( description on my bank statement ) as a result of my contracted payment of {$500.00} per year per listing to cover all XXXX rent payment fees. I calculate {$7900.00} of overpaid rent payment fees.
Consumer complaint received 2018-03-25
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. (CA)

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/21 I attempted to transfer {$9200.00} from PayPal into my connected bank account. I got a message that my account was frozen, and that my money might be held for " up to 180 days. '' There was no warning prior to this. To my knowledge I violated no policies. When I immediately started a chat with PayPal support, they said they couldn't tell me why my money was held or when it would be released. Subsequent phone conversations on XX/XX/21, XX/XX/21, and XX/XX/21 with PayPal staff yielded no more information. Meanwhile, I have had zero charge backs or complaints against me. Before this, I have successfully completed tens of thousands of dollars in transactions via PayPal over the past 12 years. 
I need my {$9200.00} released.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On Friday XXXX I moved about {$40000.00} from my checking account to pay off my mortgage. Wells Fargo has removed the money from my checking account and is holding it in limbo. They no longer are paying me interest on the money and they wont close the mortgage so Im still paying interest on my mortgage. I went to a branch office in XXXX XXXX Texas to ask for a payoff amount and was told they couldnt tell me that. At this point they have my money and are not paying me interest and are charging me interest on a loan Im trying to pay off. When I called today they said we had to have a cooling off period and I cant pay off the mortgage now. I need help with these crooks. 

My cell is XXXX, my email is XXXX.
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (WV)

Hello, I paid a collections debt in XX/XX/XXXX to Calvary Portfolio Services LLC. The original debt was with XXXX. We settled for less than the original amount due totaling about {$2300.00}. On XX/XX/XXXX, I received a letter from XXXX stating that they owed me {$340.00} for misusing my account protection that I had during the time the account was open. The letter stated that it would be sent to my account. I called XXXX and they said that because my account was closed, a check would be sent to Calvary and Calvary needs to forward me the check. When I called Calvary they stated that in XX/XX/XXXX, the {$340.00} came to them and they applied it to my CLOSED account. They said they kept the money because we settled for less than the total amount, so they just applied the refund to the money received for the settlement. I kept asking the customer service supervisor to explain to me how they can keep money on an account that has been settled, paid and closed and her only response to me over and over again was that the account was settled for less than the total amount of debt. I received a letter after paying the settlement and it stated that my account was paid for less than the amount and was closed at that time. If the account is closed, they need to send me the money that was sent to them. It is robbery that they are keeping this from me and they are breaching their contract in stating that my account was closed. Please help me figure this out. 
Thank you, XXXX XXXX
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/ 2019 my Paypal account was fraudulently used to send money from my XXXX XXXX XXXX account. See Transaction details : Transaction ID XXXX Sent to XXXX XXXX XXXX.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (TX)

I did a background check with Checkr for my job and there was something stating I had an unregistered vehicle charge that was done on XX/XX/XXXX however I did not obtain my license until a few months later in XXXX of that year. During that time, both my parents names were on the title of the vehicle. I switched the title in my name in XXXX or XXXX. Obviously this information is incorrect and needs to be fixed immediately
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC (TX)

XX/XX/2020 {$900.00} funds as a withdrawal transfer via Zelle through XXXX XXXX XXXX XXXX to XXXX XXXX. 

Cell XXXX XXXX XXXX was not provided due to XXXX rescheduled and unbecoming behavior and accusations towards customer. 

Upon medical professionals advice services were not recommended. 

Customer request full refund. 

XXXX refused, ignoring medical professionals communications via letter and email by rescheduling to an obscure date.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I have had a mortgage with XXXX XXXX for over XXXX yrs. and now my loan has been transferred to SSL ( Specialized Loan Servicing ) which I am VERY, VERY unhappy about. I have been on XXXX XXXX 's bi monthly program for the past 13+ years which saves me significant interest over the life of the loan. But SSL does not offer a bi monthly payment service and so now this change ( that I had no control over ) is going to cost me significantly more over the life of the loan and this is NOT what was agreed upon with my loan officer when I got the mortgage with XXXX XXXX. 
Is there anything that can be done?