davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (UT)

For over 20 years I have had a month to month gym membership with XXXX XXXX located in Utah XXXX XXXX XXXX. In XXXX of 2020 XXXX XXXX XXXX sent out an email, they XXXX were closing permanently I cancelled my credit card payment and ordered a new on as I did not want my information out there in Bankruptcy litigation or to be purchased. 
I later received an email from XXXX XXXX saying they were handling all of the XXXX memberships and I was included in this. I had never signed any agreement with XXXX and the Billing company in Utah was XXXX XXXX in XXXX Utah was persistent in leaving me voicemails about a delinquent account I have with them which I have never had an account with them. The callback number they leave will have you on a holding pattern that will not answer, after several attempts to call back I finally looked up the corporate number and finally got in touch with a representative who said, I can not cancel this contract until I pay the delinquent amount, they insist that I do have and signed a binding contract with XXXX XXXX and XXXX XXXX the billing company. I told them I have never signed anything which I have never signed a contract with anyone except XXXX XXXX. I would not pay for something I did have a contract with and asked them to email me a copy of my contract with XXXX they said they would but never have. Now they have sent me to a collection Agency Aldous & Associates P.L.L.C also in XXXX Utah who have a business affiliation with XXXX XXXX and XXXX XXXX they own the franchise for XXXX. They also will not send me a copy of the contract they say I have with XXXX, tey insists I am delinquent in payments I have never agreed to and have no contract with them, they keep threatening me with court proceeding and they threaten me with filing this on my credit.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MD)

XXXX called me a few months back stating that I didnt pay loans that were taken out. However, I do not directly deal with affirm through the application. 3 loans ( XXXX XXXX XXXX XXXXXXXX ) were taken out under my account. I have submitted bank statements, my personal accounts for XXXX  and XXXX detailing that I do not own those loans, and I even took pictures of my credit/banking cards showing that I do not own them. I never received notification about any loans that were taken out and XXXX has pushed off the multiple complaints that I have made even with my proof. The companies solely couldnt help me. One affirm rep told me to screen shot as much as I could but this has yet to help and now I have been referred to 3 different debt agencies. Im all out of options and I refuse to be responsible for a debt that I didnt incur. If someone can please finally help me I would greatly appreciate it. The last time I actually went through the affirm app to make a purchase was XX/XX/2022. 
XXXX  XX/XX/2022 {$93.00} XXXX  XX/XX/2022 {$830.00} XXXX XX/XX/2022 {$120.00}
Consumer complaint received 2019-10-30
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my fourth time requesting that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 2023-01-30
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. (FL)

This is my fourth time requesting that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 2021-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FISERV INC. (TX)

Consumer Financial Protection Bureau ( cfpb ) DateXXXX Dear cfpb Manager Regard to HI-TECH XXXX Merchant account number XXXX We had a horrible Merchant Service Experience with Our provider ( Fiserv ) which is against good faith in business. Fiserv is a new company that bought Firstdata and we did not have any problem with Firstdata during the last 10 years. 
We realized that our Credit card reader Terminal settings were malfunctioning ( For unknown reason or might by Fiserv online access/Update etc. ) and didn't do automatic batch closing for several months Between XX/XX/XXXX to XX/XX/XXXX ) ( XXXXocument # 1 ). It means Fiserv does not have ability to online realize the terminal malfunction, contrary to their claims on the website ( Document # 2 ). We did call Fiserv on XX/XX/XXXX customer service and they fixed the problem in the Terminal ( Case # XXXX ) and inform us, in the next 48 Hours you will get the funds in your account. After several days we realized, they put our money on hold till now. They asked for a lot of documents and forced to provide our bank statement ( which is illegal ) but still no funds in our account. Their communication was under unknown phone calls or via unnamed emails ( Document # 3 ) and several times I did contact the merchant service to make sure those communications are true. The last phone call was for the Fiserv Risk Management department on XX/XX/XXXX and informed us : we can not pay your money because you don't have enough support! The reality is our support is our money that Fiserv put it on hold so their answer was paradoxical. 
In addition, Fiserv not only put hold on late ( batch closed ) transactions but also put hold on all of our normal ( batch closed ) transactions occurred after their fix/repair procedure or all transactions after XX/XX/XXXX. ( Document # 1 ) The merchant company ( Fiserv ) has a special Dispute procedure for future possibly customer 's disputes, but the Fiserv answer/Act is beyond the routine procedure. it means Fiserv put hold to our company credit card transactions/Funds illegally for no reason. 
Fiserv not only didnt help us to fix that problem but also after the complaint, closed our merchant account which is strictly against the good faith in the business relationship. As per their illegal action We dont have any access to the terminal report option and it means Fiserv does not want us to have access to any Document. 
The Fiserv decision is against good faith in a business relationship and it put a serious threat to our small business activity. we would like to take legal action against this decision. 
Please let me know how cfpb can help us in this legal action Please let me know if you need any other documents XXXX XXXX Business owner/Manager HI-TECH XXXX XXXX.
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (CA)

The incident happened on XX/XX/16. I was at XXXX XXXX in XXXX. Pendrick Capital Partners II has been trying to collect the amount of {$1000.00}, but I have already paid this amount to XXXX XXXX XXXX XXXX. I have the " paid in full '' receipt from them that says I paid {$1100.00}. I also have showed them my bank account that shows the money was taken out from my account. XXXX is the agency that will not allow this to be processed as paid. XXXX and XXXX   both took this off my record, so I do not understand why XXXX  won't. Now, I have a new debt collector called, XXXX XXXX XXXX, trying to make me pay {$640.00}.
Consumer complaint received 2022-10-07
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. (DC)

XXXX Acct # XXXX I've attached the screenshots of my mortgage account report from the major credit bureaus, PROVING that XXXX is reporting erroneous, inaccurate & illegal information to my credit file. XXXX is reporting : 1. That a Foreclosure was INITIATED AS OF XX/XX/2022. 
2. My account status was reported as CLOSED, as of XX/XX/2022. XXXX. My account was reported as Flagged for a Bank Adjustment/Deed-in-Lieu/Bank Liquidation . 
I applied for the DC HAF program before XXXXXXXX XXXX XXXX  therefore I am protected INDEFINITELY, until DC HAF processes & approves my application for assistance. 
There is a Mortgage/Foreclosure Moratorium in place, by the Law : D.C. ACT 24-508. This Law PREVENTS ALL institutions from initiating or filing a foreclosure. So, reporting that is dishonest, erroneous, inaccurate & illegal!

I occupy & will be keeping my home. It is an OPEN account. Reporting it closed is dishonest, erroneous, inaccurate & illegal! 
There has never been a Bank Adjustment/Deed-in-Lieu/Bank Liquidation for my home . This is erroneous, dishonest & inaccurate.

This is harassment, threatening & bullying me as a consumer that was affected by not being able to work, due to the shutdown of my job, because of the pandemic. XXXX continues to make erroneous, inaccurate & illegal statuses on my credit files, although they are quite aware that I applied for the DC HAF program before the XX/XX/XXXX cut off date. 
Reporting an account to the credit bureaus is a CHOICE. Purposely XXXX erroneous information to the credit bureaus is a crime! 
I would greatly appreciate it if you would view the attachments and make the appropriate corrections to all of my credit files. Everytime you all commit these crimes, I will disputre them and continue my paper trail.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

Comenity bank good XXXX rewards card. I was on a 6 month promotion with no interest however as I paid the payments the amount was applied to my new balance not my old amount first leaving a {$24.00} balance after my last payment to still charge me the interest that was on the 0 interest paid in 6 months. Im an accountant and all revivable pays are applied to the oldest balance. I called the company on XX/XX/22 to have the payment correctly charged to complete my promotion and asked for a supervisor and was hung up on by the service representative named XXXX.
Consumer complaint received 2019-10-30
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. (GA)

I recently received my credit report I notice several companies inquires that pulled/ viewed my credit without my permission. I sent letters requesting removal of theses unauthorized inquires that did not have written or verbal permission to pull my credit. I have sent a letter to the companies and experian to only receive a letter stating verified. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-30
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. (LA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2023-01-30
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. (DC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2020-05-07
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)

I have been working to raise my credit score for some time now and over the last 8 months the score has been going up steadily as i paid off more and more of my credit card balances. as of the XXXX of XXXX my score had been going up steadily, then on XX/XX/XXXX it suddenly dropped on equifax and XXXX. The notation on the XXXX  report said " no changes '' however, the equifax report said that the only thing that changed was that my XXXX XXXX XXXX   account had gone into forbearance. My wife and i had requested this due to her reduced hours and it had been requested specifically in reference to the CARES act and was requested on XX/XX/XXXX. The only thing that shows as a factor on my credit score drop is the XXXX XXXX forbearance and if that is the cause of the 33 point drop, that is illegal. The CARES act specifically says that forbearance initiated Due to COVID-19 can not be used negatively on credit reporting. I already spoke to XXXX XXXX  and they said we aren't the only ones reporting a drop in credit score when none should have happened. This is troubling because i need my credit score to be higher for the coming year for very specific reasons and we were told and i did the research that credit scores were not supposed to be affected by forbearance requests in relation to COVID-19. This is absolutely important that this get straightened out as soon as possible ... 

Thank You
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am disputing the presence of a fraudulent account on my credit reportXXXX XXXX XXXX XXXX. I have identified it as fraudulent after a thorough review of my credit history and request its immediate removal. I was a victim, and I'm puzzled as to why the other bureaus have complied, while this one seems to ignore my requests.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (AZ)

LoanDepot account shows a remaining balance of {$250000.00}. This open balance tradeline is impacting my credit standing which is a violation of the Fair Credit Reporting Act guidelines as the debt can hinder my potential credit approvals due to the outstanding debt. 

LoanDepot has failed to update my credit in a timely, efficient manner. Even after numerous times of trying to contact the company. 

LoanDepot hasnt updated my account and still shows I owe on the loan that was transferred to XXXX XXXX. As of XX/XX/2021 has been paid off.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

Receiving several calls a day from this company. I asked to verified the which they have ignored with no response. If they can verify the debt I'll be more than happy to pay the amount owed to them otherwise they need to spot calling me and delete their information from my credit report.
Consumer complaint received 2021-03-29
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. (CA)

I have successfully disputed an XXXX collection on XXXX XXXX from XXXX XXXX via XXXX. This account was removed however it is still reflected on the equifax system. This information is not being reported fairly by the credit breaues and I would like to file a complaint and start an investigation to get it removed.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

Discover Home loan has continued to report our home equity loan as derogatory or delinquent depsite giving us a XXXX Forebearance plan. We have continued to pay the mortgage albeit after the grace period. For the past year we have at least 6 negative reports from XXXX XXXX which we were informed should not have been if we were placed on forebearance. This has in turn affected our credit score in a negative fashion. We are consequently being penalized for being affected negatively by COVID due to the loss of my husband 's job. Despite the fact that unemployment is less than what he would have earned if he was working in the XXXX XXXX we continued to keep the payments up to date and we were still reported by Discover as a dilinguent account. I complained to them when making a manual payment to them via check, but received no response.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have sent multiple letters to this company regarding reporting derogatory items on my credit report. In accordance with the fair credit reporting act the credit bureaus has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I did not give written consent or permission.

15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose ( XXXX XXXX XXXX account ).
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a transaction made with a company named XXXX XXXX in XXXX XXXX utilizing XXXX XXXX. I spoke to Bank of America the same day this occurred. I had to step out of class to give them a call since I got an alert on my phone. I lost my XXXX XXXX and had XXXX XXXX  linked to it. I made this very clear to the employee who was helping me. I received two letters stating that I had won this case and thought that this was over and done with. But a letter addressed to me, was sent out on XX/XX/2019 stating that they were unable to approve the claim even though I had previously won the claim. Obviously my XXXX XXXX was used by me in the past, but when I lost it, it still had XXXX XXXX setup and my card was still on it leading to this fraudulent charge. I would like the money refunded to my account for this.
Consumer complaint received 2018-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (NJ)

I was asked to pay debt in XX/XX/XXXX which was already paid on XX/XX/XXXX Amount - {$55.00} Original account number - XXXX ( Already paid ) New Account number - XXXX Paid to CMRE Financial Services Inc XXXX XXXX XXXX   XXXX XXXX XXXX XXXX CA XXXX Phone - XXXX XXXX XXXX This time they billed it under a different account number
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (GA)

There are accounts reporting on my credit report that don't belong to me. I contacted Equifax, XXXX, & XXXX  multiple times. I sent in my initial complaint on XX/XX/2020. I didn't hear back from them in 30 days so I sent a demand to comply and still haven't gotten any responses. The demand to comply letter was sent XX/XX/2020. I have attached the letters that I sent to the credit bureaus.
Consumer complaint received 2017-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (IL)

LTD Financial ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ) keeps calling my UNLISTED home line that I 've only had since XXXX/2017 ( 12 whole days ) without leaving a voicemail in regards to what debt they think I owe. All of my accounts are current. This has happened to me before with other debt collection agencies since I became a victim of identity theft years ago. I refuse to contact them to give up even more personal information that they might use against me.