davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
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: Specialized Loan Servicing Holdings LLC (SC)

On several occasions I disputed my open HELOC account with Specialized Loan Service ( SLS ). On my XXXX  and XXXX  credit reports, SLS is reporting my HELOC as CLOSED with a balance. SLS purchased this account from XXXX on XX/XX/XXXX. My XXXX  and XXXX  reports from SLS shows a CLOSED date of XX/XX/XXXX. My account is OPEN CURRENT with no LATE payments. This error has caused me harm by reflecting a inaccurate debt to income ratio. I have been turned down for low interest rates because of this error. It is interesting that XXXX  is reporting my SLS account accurately, open current without late payments. Please help me obtain an explanation why SLS will not correct this error. I have disputed by phone email and certified letter without success. SLS blames the CRAs XXXX and XXXX.
Consumer complaint received 2017-12-11
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: AMERICAN EXPRESS COMPANY (GA)

My name is XXXX XXXX XXXX XXXX, this XXXX XXXX dispute belongs to my XXXX father, XXXX XXXX XXXX XXXX but is wrongly being associated with my credit.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CA)

On XX/XX/XXXX During the shutdowns of Coronavirus I contacted XXXX in XXXX XXXX, California through email as a concerned member that had just been charged a monthly membership of {$20.00}, even though they were closed. I received a reply from the manager that he would make sure that moving forward the account would not get charged and that anything that was owed to me would be giving back to me once the gym opened up again. ( emails are attached for reference ) On XX/XX/XXXX I contacted XXXX by email again, this time for one main reason ; to cancel my membership. I received a bit of resistance from the manager by email, by offering me to instead freeze my account. I was set to cancel no matter what. After that email he also called an old phone number that has not been mine for years and gave information about my account to that person. All this was done knowingly that that person was not me and someone else. I was not happy about that either. I responded back by email saying that I wanted to proceed to cancel my account. After that email was sent I considered it done as there was no other response back from him. This was still during the shutdowns when the gyms were still closed. ( emails are attached for reference ) 6 months later In XX/XX/XXXX I receive a text on this day from an employee named XXXX from XXXX, threatening to send me to collections if I did not pay what was past due. I was shocked to know that Crunch had never canceled my account as requested in XX/XX/XXXX. I immediately contacted them by email. I waited the time the XXXX website suggest to wait for a response and no reply was ever received on my email. I then proceeded to contact them by phone and spoke to an employee at XXXX regarding this issue. She didnt give me any information I requested and she advised to wait to get a call back from XXXX which is the manager ( the one I had communicated by email in XXXX and XX/XX/XXXX ) and not to worry that they were having software issues and that I was not the only one with this past due balance issue that needed to be resolved. Regardless, I waited and no call was ever received from XXXX at XXXX in XXXX XXXX, CA. The customer service I have experienced with them is unprofessional, not returning email messages, trying to understand and communicate and not being able to do so, for a suppose debt that I am sure do not owe. ( text message and email are attached for reference ) On XX/XX/XXXX I received a letter a little late because it was sent to the wrong address in the mail. Its from XXXX collection agency, law firm Aldous & Associates. Stating I owe {$270.00}. This is not correct at all. ( Picture of letter is attached for reference )
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent my first letters over 4 months ago to XXXX, XXXX  and TransUnion. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

National credit system Inc, XXXX  XX/XX/XXXX amount {$10000.00} I have reached out to the company XX/XX/XXXX and disputed XXXXwith XXXX  they closed the dispute without providing accurate documentation proving I was the owner of that debt
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NM)

For months we have had issues with 5th 3rd Bank for our mortgage. We refinanced and dropped our mortgage insurance payment. One occasion they under charged our account for our mortgage payment by {$12.00}. They did not notify us. They held the funds and counted us late. Until the next month until we called to pay our next payment. It was a true struggle for them to remove the late fee, fix our credit reporting, and find out why we weren't notified we were undercharged. The next month they took down the wrong account information and also charged a late fee. They called this time ; however, once they relized this was their error again, it was like pulling teeth to get them to remove the late charge and report correctly on our credit. They are impossible to get in contact with. Constantly being transferred to other departments. On 2 occurances there have been very rude and curt managers. One call never leads to resolution. They have made owning a home extremely stressful and unpleasent.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I checked my Transunion credit score through XXXX XXXX and my score decreased by 71 points. The only change that was made was that I made a payment on my XXXX account to decrease my credit card utilization which went from 80 % to 53 %. My credit score should not have dropped because of paying down a revolving account.
Consumer complaint received 2020-07-23
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

Columbia debt recovery LLC DBA Genesis has on my credit report a collection status for a balance that according to them i owe the following to copperwood apartments : Original Balance : {$510.00} Current Principal : {$510.00} Interest Due : {$13.00} Total Due : {$520.00} It might be more since its accuring interest. 
I have asked Genesis for Validation of debt and they havent provided me with proof that this is actually mine. They only sent me a contract. The contract doesnt validate this debt since according to genesis this amount is owed for some moving expenses for a toilet paper holder and a tub- Which i do not recall and have asked them to prove to me this debt. They did not respond to my letters or emails. So i need help getting this resolved since it is messing up my credit report real bad.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My account was closed against my will. I had just purchased a new business, and funded both XXXX personal account and business account with monies from a LOC to be used as working capital. Without warning, chase closed both my business and personal accounts and it's currently holding my money. They've repaid my business balance but my personal account had over XXXX $ in it. I have yet to recieve those funds. It's been over a month.
Consumer complaint received 2020-07-23
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. (CA)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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, 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 an 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 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Equifax has taken over 210 days to rectify a dispute that I made back in XXXX. I have sent several letters and there has been no communication with me to let me know that this matter has been reviewed.
Consumer complaint received 2020-07-23
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

UNPON MY REVIEW OF MT CREDIT REPORT I SAW ACCOUNTS THAT WERNT MINE AND DUE TO ID THEFT I REPORTED THESE ACCOUNTS, BUT THE COMPANIES REFUSED TO REMOVE THE ACCOUNTS. I'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT AFTER BROUGHT TO THIER ATTENTION THEASE ACCOUNTS ARE STILL INACCURATE
Consumer complaint received 2020-07-23
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. (GA)

Dear CFPB, I have been disputing several accounts with this company and I submitted proof that they are reporting false, inaccurate information. I showed them what the three credit bureaus are displaying and showing them that the accounts are not 100 % accurate. I have sent them several letters and month after month they reply that they " verified it as accurate '' or that the accounts belong to me without supplying the proper documentation. I told them that e-Oscar  and automated responses are not acceptable forms of verification and keep asking them for viable proof, such as a contract bearing my signature ; and still, with all the proof I have submitted disagreeing with them, they refuse to delete these erroneous accounts or to provide why they believe they are reporting accurate information.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Siwell Inc (TX)

Dear Sirs, I was offered forbearance for the Months of XXXX, XXXX and XXXX and since XXXX I have been emailing them asking to receive information so I can resume payments without penalties. Capital Mortgage Services of Texas was going to send me a contract at the end of the Forbearance period instead I received on XX/XX/XXXX ( Statement Date ) a Total amount of XXXX ( ( 3 months worth of payments ) plus accrued late charges and total fees and charges. 
This people are using indecent malpractice business strategies to take advantage of their customers hardships due to COvid-19. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TN)

ProCollect sent me notice that I and my wife and father owed {$13000.00} for breaking a lease and damages. However, ProCollect doesn't recognize a debt not owed. As you can see, XXXX XXXX clearly states she would allow us a 7 to give a seven-day notice with no penalties or fines. Apparently ProCollect doesn't follow the law as the letter specifically states this. They are going on something that doesn't exist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 2021-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2021 my Victoria 's Secret Credit Card account through Commenity Bank was overpaid by {$1000.00}. I realized what had happened on XX/XX/2021 and immediately requested a refund in writing. I was told on XX/XX/2021 that the refund requested had been submitted and the refund should reflect in my bank account within 3-5 business days. On XX/XX/2021 I contacted Commenity Bank again when the refund did not reflect in either my credit card account or bank account. At this time I was told that it had to be approved by accounting first, which could take 7 days, then after that it should reflect in my checking account in another 3-5 business days. Today,XX/XX/2021, I contacted the credit card company again. I was told that, " Due to the amount of this refund check, the refund request itself is still being reviewed and this can take up to 30 days. Once the refund request has posted to this account, the funds should show up in your checking account within three to five business days. '' At this time I informed them that I would be filing a formal complaint.
Consumer complaint received 2021-04-09
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. (PA)

Transunion has listed negative account on my credit history and that account doesn't belong to me. That inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete these accounts immediately. 

Here are the erroneous account Transunion has listed : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account doesn't belong to me.
Consumer complaint received 2017-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC (FL)

XXXX XXXX continues to call our law firm asking about one of our clients. We do not talk to strangers about whether a person is a client at our firm or not. She tells us we are being recorded even though we say we do not consent to being recorded and as Florida is a state that requires consent they are breaking the law by doing this. We have asked them not to call but they continue to do so. They are very rude. I called the number back and asked them to stop calling and was met with rudeness there also, when I told them I would file a complaint they laughed. Receivable Management Services XXXX XXXX XXXX
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (AL)

My Student loans had been in forbearance during a gap ( XXXX ) period that I spent XXXX abroad in XXXX. Ive since gone back to school. I called XXXX, to explain my situation and get info on my payment options during this period. The navient rep suggested placing my loans in forbearance during the gap and that I just needed to make sure and reply to their emails when came time to renew my forbearance. In XXXX of XXXX I realized I had a late payments for all XXXX loans from XX/XX/XXXX on my credit report. I contacted them XX/XX/XXXX and was told that my forbearance renewal date fell a few days before their XX/XX/XXXX reporting date and that they did not receive my request until the first of XXXX, I explained, however, that I had received the renewal email XX/XX/XXXX ( was early morning the XXXX for me in XXXX ) and replied the same day XX/XX/XXXX. He said there must have been an error and started a dispute and asked me to provide him with the emails in order to get it sorted out. I provided both the email I received and my reply along with the original emails. He was very helpful but it took the department until XX/XX/XXXX to reply, after I had called many times and finally spoke to someone higher up. 

After speaking to them the decision was emailed to me and states they can not change the error bc their system shows XX/XX/XXXX and believe the documents I sent have the potential to be faked/edited. So I again reached out to the manager I last spoke to, again everyone I spoke to was very helpful and nice, but stated her hands were tied but allowed me to provide more evidence authenticating the email and when it was sent in case it would change the situation but couldnt guarantee anything. So Ive sent the header using googles message header admin tool, highlighted the IP/time stamps to both the received and sent email ( original ), the message ID, and emails web archive, but as stated I was told they likely wont change it.
Consumer complaint received 2021-11-01
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: Bread Financial Holdings, Inc. (GA)

Summary of Events Comenity XX/XX/XXXX : I spoke to a Resolution Specialist named XXXX, ID XXXX, regarding my account and the 60 days late payment. I explained that because of COVID my income took a hit when my finance lost his job. I was told that after making my account current the two payments reporting late for the months of XXXX and XXXX would be updated and reflect as current on my credit report. I paid {$120.00} by phone to get my account current. She also suggested that I contact the company 's Credit Reporting department and make them aware of the situation. 

XX/XX/XXXX : I wrote a letter to the Comnenity 's credit reporting department letting them know about the situation. 

XX/XX/XXXX : Comnenity responded that they will not make any adjustments to my payment history. 

XX/XX/XXXX : I sent a formal dispute letter to Comnenity Bank asking them to remove the derogatory comments on my XXXX and XXXX file regarding the two late payments. I also asked them to remove the two late payments showing on my XXXX file. I also included the HERO Act bill that suspends negative credit reporting during the COVID 19 pandemic, explaining to them that they were acting unlawfully by reporting negative information. 

XX/XX/XXXX : I sent formal dispute letter to XXXX as well stating the same information in regards to the HERO Act. 

XX/XX/XXXX : Comenity updated my XXXX credit report and it now shows that my account status is current. However, this was never the problem. I asked that the two late payments be removed. They are still showing on the credit report and have caused my credit score to drop. They have also caused another bank ( XXXX XXXX XXXX ) to close one of my credit cards which has inadvertently hurt my score. 

XX/XX/XXXX : Instead of updating the comment section ONLY to show good standing in payments on my behalf, Comenity updated my XXXX and XXXX credit report to show late payments for the months of XXXX and XXXX. ( Before the month of XXXX and XXXX were blank ). This has not helped my credit it has hurt my score even more.