davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (FL)

Collection Agency : Ability Recovery Sercives LLC Original Debt Holder : XXXX University Written Notification Complaint # 1 : I have received numerous bills in the mail ( last one  dated XX/XX/XXXX ) about a {$2600.00} debt thats supposedly owed to XXXX University. I have asked the collection agency ( last phone call on XX/XX/XXXX ) to send me an itemized bill. I have NOT received a bill. A representative for Ability Recovery Services LLC told me during a conversation on XX/XX/XXXX, that I had previously requested a bill and should have already received the statement in the mail. 

Just recently, I was told by a representative with Ability Recovery Services that it would take 30 days to receive the bill and that her company policy requires that she receives the bill first, then she will send it in the mail to me. If the bill was previously requested by me and sent to me, why doesnt the collection agency already have a copy of the bill to forward? The 30 day waiting period is ridiculous. 

False Statements Complaint # 2 : It has been reported to all three credit bureaus that I have defaulted on a loan thats in the amount of {$2600.00}. The original debt holder is reporting a different amount. There is a massive discrepancy in the amount being reported by XXXX and Ability Recovery Services. 

Communication Tactics Complaint # 3 : Ability Recovery Services LLC rep XXXX ( last name ) was extremely unprofessional. He hung up on me while I was requesting an itemized bill. Told me that he didnt want to waste his time sending me the itemized bill because he knew I wasnt going to pay it. He took a prejudice/bias accusatory stance by stating your not going to pay this bill anyway, so why did you call. 

After being hung up on, I called back and XXXX hung up the phone again, after I requested to speak to a different collections rep. Again, refusing to accept my request for an itemized bill. I had to call back a third time to talk with a professional collections agent.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I made a purchase that I had a transaction with. I opened a dispute since the merchant would not resolve things. After a few days, the merchant changed their mind and refunded me. I went to my bank and withdrew my dispute. Paypal then thinks I was refunded twice and STEALS {$110.00} USD from my account. I called Paypal and they claim my bank got the refund twice. I called my bank and they said this is false. I only got 1 refund and now paypal STOLE the refund money from my account. My credit card statement shows I only got 1 refund.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

Select Portfolio Servicing ( SPS ) keeps adding unjustified " Fees and Other Charges '' to my mortgage account. When I ask what the fees are SPS say that they are for attorney fees, and things. I have paid said attorney fees over and over again. We were in court months and months ago and all fees were paid. The account was up to date. Suddenly " Fees and Other Charges '' in the amount  {$900.00} showed up on my XX/XX/2020 statement. When I logged into the Select Portfolio Servicing web portal the " Fees and Other Charges '' shows as " Fees and Advances '' and the amount is now {$930.00} and not {$900.00}. Now the total due is {$930.00} ... the EXACT same amount as my monthly payments. When I called and asked about the {$930.00} charge ... .I was again told that it was for attorney fees, inspection ( no inspection was ever done. ), and " stuff ''. 

As a minority I feel that this is a further attempt to keep my account in a less than favorable standing so that " Fees and Other Changes '' can be added at will.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've asked XXXX to verify information for XXXX XXXX  XXXX XXXX account ending in XXXX regarding suspected inaccurate reporting. I sent a letter VIA certified mail that was received by XXXX on XX/XX/2022. Please note- this consumer received a letter from XXXX stating that they can not complete my request for verification. It is reported differently to all agencies depending on the month.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

CHILD SUPPORT IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREED TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America closed my account without even notifying me. My account which is in good standing was frozen on the XXXX of XXXX and I went in and they refused to give me my {$800.00}. I am XXXX and I have a mere income of {$790.00} per month. Please help me get my money I owe the bank nothing. I have a disconnection notice from the electric company and have no money to give to them. I am XXXX years old and can't work. How do I recover my money I really need it they won't even tell me why they closed my account after more than 20 years being a valued customer. Please respond quickly I have no money
Consumer complaint received 2024-02-26
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. (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB ONDC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (OR)

On XX/XX/XXXX20 I made a payment on this account. It is an account that works as a line of credit, each draw will calculate a percentage of the payment. On XX/XX/XXXX20 the only posted balance and the only amount of payment that could be made was around {$2800.00}. This balance account for one advance from XXXX and would have paid that advance in full. When making the payment, the website and app both provide a disclosure that states " This payment goes towards existing payments due for previous transaction periods, but does not apply to transactions in your current transaction period. Transactions that occur in your current transaction period may increase your aggregate monthly payments. Payments made in excess of your current monthly payment may not satisfy your new aggregate monthly payment at which time you may be required to make a payment equal to your full aggregate monthly payment amount. '' The account DID have new draws from XXXX/XXXX/20, however this payment was within the current cycle and had not yet posted to the account. After receiving the payment on XX/XX/XXXX20 it was applied to the old draw balance from XX/XX/XXXX2020 and partially to the new draws that hadn't even posted yet. As a result, the monthly payment reflects that the original draw has not been paid off and has thus created a larger monthly installment amount. The attached statements also reflect a month in which no payment was due on that XX/XX/XXXX2020 draw. I have spoke with several people, including a complaints department and have been told that this has been escalated twice but the issue has not been rectified. At this point Upgrade needs to make this right. At the end of the day, the amount of interest paid is the same to this company, its a matter of the monthly payment being more affordable and aligned with the actual advances that should remain on the account. It is deceptive to have the terms of how a payment is applied posted on both their website and the app but the payment is applied differently in whatever manner they feel beneficial to their company. I was offered to apply for Covid assistance of hardship, which I find extremely offensive. Upgrade has made a transactional error, a deceptive payment banking practice and it is their responsibility to resolve this. This is not made right by requiring that a customer apply for financial assistance that could both hurt their banking relationship with Upgrade but also could impact their credit depending on the actions that they take in order to apply Covid assistance to the account. For the record, I am not having a financial hardship. This is a matter of principal and the fact that Upgrade has done wrong. My most recent conversation with XXXX XXXX, Team Lead, again explained that Upgrade will not do anything to rectify their wrongdoing. I have attached statements, you will even note on the XX/XX/XXXX20 statement that a payment amount was not due for the XX/XX/XXXX2020 draw.
Consumer complaint received 2023-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

I was looking at my credit report and notice that I had a collection account for a debt that does not belong to me. Then I notice that this account is the same account that several collection companies have tried to put on my credit file once a year ago XXXX and XXXX. Please see documentation attached. This collection company put this collection on my XXXX credit report on XX/XX/XXXX with false information stating that I had an account with them as of XX/XX/XXXX. I have never had an account with this collection company ( XXXX ) nor have I had an account with XXXX  ( please see attached ). I reached out to XXXX on XX/XX/XXXX and expressed my concern with them just placing a collection on my credit file without any notification from them or this company ( Diversified ). This company also sent me a letter not even given me an opportunity to verify it but offering me a settlement. I never had a chance to dispute it and ask for documentation showing if this debt was mine or not. I also stated to XXXX that on XX/XX/XXXX and XX/XX/XXXX two other collection companies tried to place a collection on my credit file and they were removed on the basis this is NOT MY DEBT! Those collections were removed. It seems as if these collection companies buy debt and think that the consumer does not keep files. I submitted a complaint to you on XX/XX/XXXX, complaint number XXXX and another complaint on XX/XX/XXXX, complaint number XXXX. I have disputed this with XXXX and I am submitting a complaint with you all because my rights as a consumer have been violated and I am demanding this collection be removed from any credit bureau it has attached too. Right now I just see it on XXXX, but I am asking for a block of this collection agency and I am asking that XXXX be held accountable for allowing collection agencies continue to harm a consumer credit report file every year with causes my score to drop by several points and when the collection come off never given you back the same amount of points they took away. I am also demanding a monetary recovery for the time I have to fight to continue to watch the malicious tactics that XXXX does to consumer credit files. 
Please remove this collection from my credit file immediately. Thank you
Consumer complaint received 2022-10-12
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)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Original XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-05-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (SC)

Today is XX/XX/2121 and my 5th closing date for a VA Streamline refinance, IRRRL, is finally XX/XX/XXXX. with Freedom Mortgage. We had to hire our own attorney to do title work because Freedom Mortgage decided that they wanted to put both the tracts of land under the current mortgage, including a tract of land that was fully paid as security for the mortgage. Because we did not want a fully paid tract of land to be included in the mortgage for the refinance, we had to hire an attorney to do the title work ( keeping in mind that the this property never changed hands and everything should be the same as the current mortgage and title. The 4th closing was cancelled because Freedom Mortgage had the fully paid tract of land, tract XXXX, included in the mortgage and the land where the house sits, tract XXXX was not in the documents! The title work was completed by our attorney and sent to Freedom Mortgage a month ago. Again the delays by Freedom Mortgage are beyond comprehension. This is supposed to be a simple refinance, with no changes other than the interest rate. I continue to pay 4 % on the current loan when we could have completed a refinance with any mortgage company and been paying 2.25 %. I have not applied to another company because rates have gone up and my rate was locked at 2.25 %. I feel like a prisoner in this process that will never end ( and for no good reason ). What is supposed to be a simple refinance, has been in process since the end of 2020, XX/XX/2020. Freedom Mortgages careless regard for their customer is defeating. I am trapped into waiting for refinance because of a rate lock and I continue to wonder if the loan will ever truly close. In the meantime, I continue to pay 1.75 % higher interest every day. Freedom Mortgage should be compensating us the difference for every day that the closing is delayed and there should be additional restitution for all of the stress they continue to cause due to their excessive delays. I want this loan to be closed. Freedom Mortgage should be refinancing the previous loan which included the house and land it sits on and no other land. As a mortgage company, they should know that they can not ask for our other fully paid land to be added to the mortgage.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (PA)

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AVANT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-21
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
CFPB FAIR resolution
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

This is XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on SYNCB PPC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

If your original creditor sold your debt to a collection agency, they also wrote off your debt on their taxes which wrote off your obligations to pay. The dispute reason is contract was canceled. No contract means no lawful or legal obligations have formed between me and the alleged creditor
Consumer complaint received 2021-02-13
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Chexsystems continues to report fraudulent activity on my consumer report. There are 4 inquiries containing a set of last four Social Security Numbers which are not mine. Please see attachment for proof of this as I will not be listing mine or anyone else 's sensitive information in this public arena. They are listed here and on page 5 of the consumer file maintained at Chexsystems under the subsection " INQUIRIES VIEWED BY OTHERS : '' Inquirer : XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, KS XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, DEXXXX Phone : Telephone Number Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, WI XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) I have also notified Chexsystems of the following inaccurate personal information reporting on my file. Chexsystems still has not removed the inaccurate, and in some cases, fraudulent material within my file. I am listing them in a separate attachment we will call exhibit 1.