davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (NJ)

Received government issued MasterCard for my 2018 tax refund. After the refund was used card became inactive, account closed. Approximately a year later the recent stimulus check was sent to that account/debit card. Instead of returning the money the bank establishment kept/deposited money. The only information I have are last 4 digits of the card number. I have tried to contact IRS and Treasury Department, no live represents to speak to. I have contacted MasterCard twice, no help yet they see the account. They referred me to XXXX to have a new card issued they claim they dont have records of me and sent me back to MasterCard. 
I am currently receiving SSDI, my benefits are deposited onto Direct Express card. I have been at 2 locations since 2018 tax season. So, treasury has outdated information but IRS has correct information. Im going in circles. I believe it was wrong to keep that deposit for an inactive/closed account, theft.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I called National Credit Systems on XX/XX/2021 to discuss a collection account on my credit for XXXX XXXX. After speaking with XXXX ( a Supervisor ), he stated he was not going to budge on the account and that he was working on behalf of the apartment complex. He stated he had no decision capability and that it was up to XXXX XXXX. 

So I called XXXX XXXX and spoke with XXXX on XX/XX/2021, the property manager, and she stated that there is no record of me, or of an outstanding balance. In the attached letter, you will see the property complex was sold, and along with any outstanding debts would have been included. Therefore, the collection account that is reported by National Credit Systems needs to be removed and all collection activity needs to cease as the letter from XXXX XXXX states I have no outstanding balance.
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I purchased a new XXXX in XX/XX/XXXX from a local XXXX dealership. The vehicle is financed through Toyota Financial Services ( TFS ). I have regularly called TFS to advise them that any additional money that I send in with my monthly payment is to be applied to principal only. I have sent in {$700.00} every month since XX/XX/XXXX. TFS routinely did not apply the extra funds that I sent in to principal and instead advanced my payment due date contrary to what I requested them to do. This matter has been the subject of a complaint that I filed recently with the CFPB. Today I logged into my TFS account and it indicated that I have a past due balance of {$650.00}. I have paid every monthly payment on time therefore the TFS system is incorrect. After speaking with a TFS representative for over 30 minutes I was transferred to XXXX on the Escalation Line. XXXX advised me that my most recent payment due XX/XX/XXXX was applied incorrectly which accounts for the past due status on the account. Due to TFS incompetent handling of the account I am requesting the assistance of the CFPB.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

Currently have a mortgage with amerihome which services loan for escrow payment of insurance and taxes. Amerihome montage company did not pay home owners insurance in a timely manner and my policy was cancelled.Escrow account at time of payment due had surplus funds covering this payment..
Consumer complaint received 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (NC)

I attended XXXX XXXX in 2009 and their were two loans opened without my knowledge and I want deleted off my credit report. I did n't authorize. I was thinking I only was using financial aid only, NOT STUDENT LOANS.
Consumer complaint received 2021-03-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (IA)

Moved in XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX of XXXX. Finished my 1 year lease through XXXX XXXX XXXX and was month to month for the extra year that I resided. The new company that took over the building which was XXXX XXXX XXXX is telling me that I left my faucet running on full blast while I was at work and flooded the downstairs unit. Let me clarify before all this, I was dealing with a very bad black mold problem in the ceiling of my bedroom. In the pictures that I have you can clearly see where the mold was coming from. A LEAKING PIPE in my ceiling. So as far as my understanding, the Actually Clean worker that was in my unit drying my floors, told me that he was advised that a pipe bursted in the wall. Not to mention I went out of town for a week sometime in XXXX of XXXX and there was nobody using water in my unit. BUT when I returned, there was water in my full bathroom by my bathtub. I honestly think that XXXX XXXX XXXX was being CHEAP and wanted to make someone else responsible for their piping issue. Water comes DOWN not up, so once again, where did the mold come from? And how come the pipe bursted AFTER the mold came about from the LEAKING PIPE in my ceiling if this was a leaving the faucet running issue? ALSO, NOBODY BUT ME, has any proof as far as pictures.
Consumer complaint received 2023-03-25
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. (CA)

I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (PA)

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-08-30
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: EQUIFAX, INC. (NY)

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20 I wrote Equifax they failed to verify these inaccurate accounts. This will be my 3rd attempt writing Equifax about my credit profile.
Consumer complaint received 2020-08-29
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. (NY)

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20 I wrote Experian they failed to verify these inaccurate accounts. This will be my 3rd attempt writing Experian about my credit profile.
Consumer complaint received 2020-08-29
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)

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20. This will be my 3rd attempt writing Transunion. They have failed to verify and delete these inaccurate accounts.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I received an email alert from XXXX stating that a Hard Inquiry from XXXX was done. 

Today, I contacted XXXX to dispute the Inquiry. They said it will be removed and to contact XXXX XXXX. In addition, XXXX asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted XXXX XXXX XXXX department to be transferred to XXXX XXXX. They confirmed an application was received and approved. XXXX XXXX has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the U.S. Post Office to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to TransUnion and XXXX. I am also checking with the U.S. Post Office for any fraudulent address change request.
Consumer complaint received 2021-10-14
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: WHEELS FINANCIAL GROUP, LLC. (CA)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Our real estate tax payments are included in our monthly mortgage payments to Select Portfolio Servicing ( " SPS '' ). Over the past approximately five ( 5 ) years, we have received tax delinquent notices from our town, stating that our real estate taxes have not been paid, or have been paid late by SPS. In fear of facing a tax foreclosure, we made all payments requested on the tax delinquent notices.

Over the course of several years, we have received 6 tax notices dated XX/XX/XXXX ( {$390.00} ), XX/XX/XXXX ( {$530.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$460.00} ), XX/XX/XXXX ( {$460.00} ) and XX/XX/XXXX ( {$160.00} ). We made all payments ( tax and interest ). We have copies of all notices. 

We attempted to resolve this with SPS on numerous occasions, via mailing a letter, sending in faxes and making telephone calls. We have yet to receive reimbursement. 

On XX/XX/XXXX, we sent a letter to SPS requesting reimbursement for tax notices dated XX/XX/XXXX and XX/XX/XXXX. We attached the tax notices. SPS denied our request stating that the taxes were current. 

On XX/XX/XXXX, we mailed a letter to SPS, requesting reimbursement for tax notices dated XX/XX/XXXX ( second request for this one ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We attached copies of the tax notices and cancelled checks proving payment. SPS never responded to our request for reimbursement. 

This has been an ongoing battle. 

On XX/XX/XXXX, we spoke with our town who stated that SPS has paid late in the past and some of the monies due were for interest on late payments. 

On XX/XX/XXXX, we also spoke with SPS, and they acknowledged that they had made late tax payments in the past. 

All we want is to be reimbursed for taxes and interest we had to pay because SPS failed to send our payments in or failed to send them in a timely manner.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

XXXX XXXX XXXX XXXX. Is practicing predatory and fraudulent collections practices. 

They have enlisted Receivables Performance Management RPM to collect an erroneous and fraudulent debt that they have added to my credit report without any attempt to notify me of the fraudulent debt. Nor has either company given me a chance to dispute this debt. 

In addition, they have not provided any valid proof to substantiate their abusive and malicious tactic to try and destroy my credit. 

They have not provided any dates for which the debt occurred ; nor any type of agreement or authorization of such debt. Where is my signature? What is this for? When did it occur? 

They added this collection to my Credit Reports at the end of XXXX. This has harmed my business as I was in the process of acquiring a loan to expand my business. I will not qualify with this erroneous collection on my record. 

They are in direct violation of Fair Debt Collection Practices Act ( or FDCPA ) and the Fair Credit Reporting Act ( or FCRA ) so I will be filling a complaint and will be seeking financial restitution for the credit harm this company has imposed on me and my financial well-being.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MA)

I made a dispute for two purchases from Ally Bank for two items of {$79.00} and {$27.00}. the dispute number for these items they told me was XXXX. I told Ally Bank that these two items were defective. They reported these purchases as unauthorized instead of defective. I received a notice saying that the purchases were authorized ( not what I originally reported ) and because of that they would not provide me a credit. My problem is, I requested the documentation used in making their decision for the dispute ( as is my right ) and have not received it. The second time I request these documents was XX/XX/2020. So it has been over a month now since the first time I requested it and I was told by Ally Bank today XXXX XX/XX/2020 ) that they made a note of it but did not send the documents. Ally Bank 's chat correspondence is not date and time stamped so I'm not sure how useful a screenshot of the conversation would be.
Consumer complaint received 2020-07-20
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. (IN)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX, IN XXXX My name is XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2021-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove an account that has been reporting for 7 years on my credit file it is a direct violation of my consumer rights. It is your obligation to report complete and accurate information. I feel I am being discriminated against with my prior complaints. I get automated responses and immediately close the prior cases. I forwarded these to consult. The account XXXX XXXX # XXXX I have attached a letter and the account that is currently reporting.
Consumer complaint received 2020-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I request a order to show case after I received a ganishment notice by a company called Calvary Portfolio Recovery. I never Knew about this debt. after sowing to court and challenge the attorney to very the debt we got schedule to trial on XX/XX/XXXX, XXXX on XX/XX/2019, I express that the day they claim such credit Card was open I was traveling to XXXX XXXX XXXX 
The attorney Representing the Company Vacated The case however this debt still showing in my credit Report. 
Here is my Question this debt was not verify how can I get it verify or remove from my creit report.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX  is past the 7 year mark of expiration on my credit report. It was opened XX/XX/XXXX and should of been removed on XX/XX/XXXX
Consumer complaint received 2017-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

We called this company ( they said their name was XXXX, I'am not sure that is spelled correctly ) - We gave them our name and said the debt is " not ours, & that person does not live here!!! XXXX. - They still keep calling & leave messages on our answering machine. 
We have had enough!!!!!!!!!!!!!!!
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian about a bankruptcy being reported on my credit repport. Experian stated that this was verified by XXXX and that this would not be removed. I reached out to XXXX who stated that they were not able to verify this information and removed this information. I reached back out to Experian online dispute and uploaded a copy of the letter from XXXX XXXX stating this was told information is verified and wont be removed. I called and asked where was this information verified from and they told me that they could not verify the furnisher ( whom they originally stated was XXXX XXXX ) I am reporting Experian because even after furnishing proof from the said agency they claimed to have verified this information with they still wont remove this information.
Consumer complaint received 2020-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

I am a veteran and the only one working is my wife and my mother in law which her name also appears on mortgage and on title. As all of us have been affected by COVID19 in addition i have XXXX  XXXX from the time i was in the XXXX and i have a letter from the XXXX XXXX doctor which confirms this. We have attempted to work with Selene Finance for over two years and they refuse to help and now this year is when they knowing that we were affected with the pandemic financially they went ahead as place our house for sale. This company Selene Finance ) refuses to call or help in any way instead they have set up a sale date now during this difficult time. we have submitted a complete file with the little income that my wife is making and the social security income which is what my mother in law receives. Selene continues to delay the process with our attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX has emailed the attorneys XXXX XXXX legal many times and each time they are back and forth without a care that we may lose our home. We need this reviewed by CFPB please we need help. Also my loan belonged to XXXX XXXX however for the sale date the attorney made a change to remove my loan from FHA XXXX XXXX to avoid helping us for COVID19