davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Last week a debt collections account appeared on my credit report from an XXXX apartments in XXXX, Texas that was sent to Columbia debt collections llc. 

An apartment was rented by fraud in my name. I have lived in the XXXX area for the last 10-11 years and before that I lived in XXXX 

They told me the apartment was rented from XXXX of XXXX to XXXX of XXXX. As stated above I lived in XXXX during this period and still do. 

The amount is {$20000.00}. Plus interest of {$440.00}. Total of {$21000.00}.
Consumer complaint received 2021-11-10
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. (SC)

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

Communicated with discover in regards to my credit card being closed as a result of me being unable to pay due to Hurricane Irma and me being extremely sick and in and out of the hospital received a letter stating I had until XXXX to clarify such matter I had contacted them a couple days ago was told if I pay around {$140.00} that my card would at least be reinstated a credit was issued and a foregivness fee on interest they then took said payment over the phone I am now at a - {$1.00} odd credit on my balance meaning I owe nothing yet I called back up and was told my card can not be reopened I was told since this debt is now paid up I would be able to get another card by reapplying of course I said I had the secured version and I know I wouldnt be the requirements of the unsecured they proceeded to say secured cards have to be applied for online I proceeded to do so imputed my income and was then denied for said secured card
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

Approved for a new JetBlue Credit card from BarclayCard US on  XX/XX/18. Company claims they mailed a card, but was not received after the time stated it would take ( waited over 10 days from approval to calling customer service as advertised ). Called customer service on XX/XX/XXXX requesting a new card be sent. Was charged an expedited card fee of XXXX $ On XX/XX/18, however, this fee was not disclosed at time of request. If the fee was disclosed, I would not have requested the card. Other card companies I use have either disclosed this type of fee or have not charged/waive this type of fee altogether so I can make a decision based on the amount of the fee. Im concerned others are being charged this type of fee without required fee disclosure notice.
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

Hi there, thank you for your time in advanced! 

My issue- I had a plan with XXXX XXXX for a few years. I decided to close the plan I had an switch over to a pre paid account because every month it seemed there was some hidden charge. Before I switched over to my new plan I had {$200.00} left to pay on my old one. I could not pay all of that at once so the accountants at XXXX XXXX said they could set me up on a payment plan of 4 payments of {$50.00}. 
I had been paying the {$50.00} payments for the last 3 months. On the XXXX month it was time to pay my last {$50.00}. When I called in to pay it, the woman on the other end told me I still owed {$200.00}. I informed her that I had set up a payment play a few months back and I have been making {$50.00} payments for the last 3 months. She told me she sees no history of that!! I had been calling in to make the payments instead of going online because I was told the payment plan option was not available online! With this said, that left me with NO receipts to go back to and show proof of my payments. After the woman telling me she see no payment history for me and I had no receipts to show, I felt very discouraged and let down that XXXX XXXX would be so careless. The woman I spoke to either had no idea what she was doing or XXXX XXXX all around messed up and something did not get recorded properly. 
This all happened almost TWO years ago and is now showing I owe a debt collector. I called the XXXX XXXX many times along with the debt collector and no one can seem to help. 

I am hoping cfpb can help me finally get this squared away. 

Thank you for your time!
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion, XXXX, XXXX have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. Transunion DID not conduct an investigation like they claimed.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

On XX/XX/XXXX I was informed my loan was going to transfer servicing companies. I made my XX/XX/XXXX payment on XX/XX/XXXX and was assured it would be forwarded. The agent at XXXX XXXX ( the investor ) XXXX XXXX also told me that my loan was current although my XXXX payment hadn't been received yet ( it was still XXXX so not over 30 days past due ). 
In early XXXX I received a few documents from XXXX XXXX dated XX/XX/XXXX and a temporary payment coupon for approx. {$910.00} for my XX/XX/XXXX payment. I called to confirm as I had over {$400.00} in a suspense ( unapplied funds ) account. I was then informed that they did not have my XXXX or XX/XX/XXXX payments and I was considered to be in default and as such were invoking a 36 % default rate. I sent XXXX XXXX an email and left 2 voice messages and received no response. I called XXXX and they referred me back to XXXX stating their contact, XXXX XXXX ( XXXX ) would be in contact with me. I explained to XXXX the problem, I was in default and every payment had been made. He told me in XXXX there was $ 400+ in unapplied funds but was not able to see the funds at the current time. Since then, the XX/XX/XXXX payment has been applied. The XX/XX/XXXX payment still has not been applied nor have my unapplied funds in suspense been recovered. That amount would have more than covered the shortage for XXXX and XXXX which totaled less than {$100.00}. XXXX XXXX requested my bank statements proving all payments. I sent the statements redacting only the dollar amounts for other debits and credits not related to the mortgage. Today, XX/XX/XXXX he sent me an email stating they cant be redacted as they have to see ALL my credits and debits regardless of what they are for. That is my personal information ands not related to the payments for the mortgage. I closed this loan in XX/XX/XXXX and my first payment was due XX/XX/XXXX. In XX/XX/XXXX the servicing was transferred and I made an additional payment in case it was my XXXX payment was lost in the transfer, it wasn't. In XX/XX/XXXX I skipped a payment as I was 1 month ahead due to the additional payment in XX/XX/XXXX. I also made over payments in which the funds were to be applied to unapplied funds ( suspense ) which is now unaccounted for. 
I am attaching my bank statements in the same format as I submitted to XXXX. I have not missed a payment nor am I in default. I also would my unapplied funds returned. 
I will be refinancing this loan at my earliest convenience.
Consumer complaint received 2019-06-08
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: CL Holdings LLC (CA)

The absolute tragedy of XXXX  XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

Jefferson Capital / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (GA)

National credit system for XXXX XXXX XXXX reported inaccurate/false information to all three credit bureau 's stating that I owed {$1200.00}. My first time hearing this was when I applied for an apartment. I left that residence in 2013 in excellent standing. I am in the process of losing my housing due to this fasle acquisition. I will no longer have affordable housing as a senior citizens if this is not corrected immediately time is of a essence I have 14 business days left to correct these false allegations and I also care for my XXXX XXXX child. When I contacted this company they stated they did not exist anymore and did not have any records stating that I owed them any monies or sums.
Consumer complaint received 2019-06-08
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)

The absolute tragedy of XXXX XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (WA)

On XX/XX/2020, I had {$4500.00} fraudulently withdrawn via ACH from my primary bank account at Simple. I subsequently found out three accounts ( two at XXXX and one at XXXX XXXX ) had been opened in my name, and took steps immediately to report fraud on those accounts and have them frozen. 

I discovered this on XX/XX/XXXX, and had to wait to report it until the XXXX as the bank was closed for the XXXX XXXX holiday. I filed a report with Simple and signed an affidavit stating the {$4500.00} ACH withdrawal was fraudulent and that I did not authorize it. The bank stated they would submit an ACH dispute on my behalf. 

Since that time, I have been provided no updates on the status of the dispute despite me requesting such, the only timeline I have been provided is XX/XX/XXXX. The bank has told me they will not authorize a provisional credit or a credit for the amount stolen. 

I am on Day 9 of this issue with no end in sight and correspondence from Simple not being satisfactory. I have requested that Simple provide me copies of their correspondence with ACH regarding the dispute, including but not limited to time and date stamps to clue me in as to what exactly they are doing to help me, a loyal customer.

As of right now I have had to take one day off of work in the middle of a busy season to deal with this issue. I have taken steps to freeze my credit, put a security alert with XXXX and move my remaining money to a different bank. 

Please help me recover my {$4500.00} from Simple. Their customer service has not been satisfactory and they have offered no protection or recourse from this fraud incident that has drained my account of a significant amount of money that I have earned.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc. (NM)

The company Aqua Finance is committing fraud. I had an account with this company over 8 years ago. They installed a water softener in a residence that I lived at. payments to this company were made for three years. due to an extreme hardship loss of work I lost this residence to the bank to include items in the residence. Aqua finance was listed in the court documents given a time limit and was notified to pick up there property. 

I am currently trying to clean up my credit and found out that Aqua Finance is deliberately and intentionally committing fraud. 
what they are doing exactly is manipulating the credit reporting system by claiming my account has changed or shown activity when it has not for over seven years. For example I was recently informed by XXXX that my account with aqua finance changed from a collection status to 120 days late which is fraud. no type of payment arraignments or status has ever changed on this account since 2005.This happens every month which will not allow the account to ever show inactive. what this does is never allow the debt to age properly allowing the consumer to remove the debt., all three bureaus will have proof of this fraud am sure I am not the only one this is happening too.
Consumer complaint received 2019-06-08
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)

The absolute tragedy of XXXX  XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over XXXX complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC (ND)

I've been a victim of identity theft since 2019 and I have put my complaints and reports in but I'm not being contacted by anyone to help me with anything and I keep getting hacked everytime I get a phone and new service and when I make an account with anything and all the money I have been waiting for, I can't get or anyone to help me with anything dealing with me having to be responsible for paying for others stealing my information and identity and using it to get unemployment and taxes and I have paid Lexington Law 3 times for me to still have bad credit and things not removed and XXXX has data breaches and I have never been reimbursed for all the money and things that I have lost.
Consumer complaint received 2020-11-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX in 2015 say I owe them {$2400.00}. Id Like to first point out that the furnisher of the information is unreliable. I would also like to add that I have tryed many times with them and the credit bureau to resolve this but XXXX has Updated there info to match from my info I sent in to Experian and XXXX  proving my name is incorrect and Birth year was incorrect. Many attempts to get them to remove a fraudulent charge has taken place even sending certified letters asking for information as to HOW they came to that conclusion but experian and XXXX  refuse to acknowledge my letters by certified mail. XXXX  has already removed the account long ago but Experian and XXXX  refuse to do so and refuse to answer my letters with my evidence of such that THEY gave to XXXX and XXXX changed the information to match I assume but NO contract and NO avail to correct this problem but they do keep updating there content on Experian and XXXX. I have spoken to XXXX back in 2015 and had closed an account with them on good standing but then they placed this charge and said I owe for phones in Indiana in which I have NO knowledge of and argued the point many times to no avail. Never been to Indiana. No Family there Either so Fraudulent charges by XXXX. Please help me resolve this issue once and for all. Thank you.
Consumer complaint received 2018-12-09
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. (NC)

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Experian, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, ( Original Creditor : ) XXXX,
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

To Whom It May Concern : ALL Jefferson AND XXXX Accounts are too old for reporting to the credit bureau 's, according to federal guidelines. The date of delinquency is incorrect ; no proof of payment made has ever been provided. The accounts were never paid on, before Jefferson acquired them from XXXX, and before XXXX acquired them, when they were with previous owning companies. 

Please, remove these from my credit reports ; I have tried, and it's becoming a legal matter. 

Thank You for Your Time, XXXX XXXX XXXX-XXXX-XXXX XX/XX/XXXX XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Equifax deleted all of my positive information on my credit report I have called to try and resolve the matter and I have got nothing Equifax is working with the banks to destroy people 's credit so Banks can charge higher interest and receive kickbacks I have included my credit report updated XX/XX/XXXX where it shows my old mortgage provider and my old car provider on my credit report I'm asking for method of verification on the reason why they removed them and asking for them to put them back on my credit file these accounts I have over 20 years of credit history I'm also asking for internal transcripts on the handling of my file
Consumer complaint received 2019-06-08
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. (OK)

Equifax are in violation of act s 611 5 b of the fcra I have 4 inquiries on my report that is not suppose to be there XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX these are not suppose to be on my credit report and I have no hard inquiries on my other credit reports from credit bureaus but my Equifax customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof.