davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (CO)

Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the LVNV funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

As I have explained I had NO knowledge of this account and LVNV funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I APPLIED FOR A LOAN MODIFICATION FROM MY PRIMARY LENDER, XXXX XXXX XXXX. THE LOAN MODIFICATION WAS ACTUALLY APPROVED BY THE BANK AS CONFIRMED BY SPECIAL LOAN SERVICING ( SLS ). THE APPROVAL LETTER WAS NEVER MAILED TO ME BEFORE IT WAS TRANSFERED TO SLS. AS THE NEW SERVICING COMPANY, THE ISSUE OF MODIFICATION RESURFACED AGAIN WITH SLS OF WHICH ALL MY SUBSEQUENT MODIFICATION APPLICATIONS WERE DENIED BY SLS ON THE GROUND THAT I VIOLATED THE PREVIOUS MODIFICATION WITH XXXX XXXX XXXX, THE APPROVAL LETTER OF WHICH I NEVER RECEIVED. IF I WAS ACTUALLY NOTIFIED BY XXXX XXXX XXXX BEFORE MY LOAN WAS TRANSFERED TO SLS, I WOULD NOT HAVE BEEN IN THIS PREDICAMENT BECAUSE I WOULD HAVE COMPLIED WITH THE TERMS OF THE APPROVAL. FAILURE TO NOTIFY ME WAS PREJUDICIAL TO MY CAUSE. THIS IS MY PRIMARY HOUSE AND I AM A SINGLE PARENT OF XXXX ( XXXX ) CHILDREN AND IT MY WISH TO KEEP MY HOUSE. MY FOR FURTHER RESPONSE, EMAIL ADDRESS IS : XXXXXXXXXXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My XXXX credit card changed banks from XXXX to XXXX I never received notification of the change- I had always had the payments made AUTOMATICALLY by my bank- I did not realize that my automatic payments would no longer be paid ( since the bank had a different name ) I dont use that cc alot and rarely look at the bank payments since I rarely shop with it- I had no way of knowing that my payment was not made UNTIL I received a 30 days late notice- this caused my credit score to drop significantly ( LIKE XXXX POINTS ) The lateness on that one payment should not be held against me- if you look at my payments to the XXXX  card over the last 5 years they were all paid automatically except the first payment on the new card.
Consumer complaint received 2022-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I RECENTLY DISCOVERED A FRAUDULENT ACCOUNT BY BANK OF AMERICA ( PARTIAL ACCOUNT NO : XXXX ) IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION OPENED A BANK OF AMERICA FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN A SECURED CREDIT CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I had requested my credit report from Trans Union after a mortgage company claimed that all XXXX of my reports were very negative. Since I had a score in the XXXX just a month ago, I knew there was a problem and wanted to find out what was going on. I had to pay {$1.00} to Trans Unionand I saw the report and my FICO score online ( which was in the XXXX ). The next day, I received an e-mail from then stating that the {$1.00} enroled me into a credit monitoring service and if I did n't opt out in XXXX days they would deduct {$17.00} from my checking every month! I had reported a similar problem with XXXX, and they let me opt out. However, with Trans Union, there is no way to contact them to stop the payment.
Consumer complaint received 2016-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions, Inc. (AR)

Receivable Solutions Inc has repeatedly called even after we stated that this debt is past the AR statute of limitations for medical debt collection. The first day we spoke to them, I told them that this was past statute of limitations and un-collectible and not to call again about this debt ; they called back a few minutes later, and at that time I told them that I was filing a complaint with the government. Then calls came everyday. 
# XXXX .. XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX // XXXX XXXX
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am unable to change my address and phone number on credit report, nor will TransUnion provide access. 
My address is wrong as well as my number. I have been denied auto loan and rental application due to this. 

XXXX Texas XXXX XXXX home phone XXXX Work
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I sent XXXX XXXX  XXXX a fourth complaint as well as CFPB to do an investigation and of an account on my credit report. The account is showing a balance of {$240.00}, which is inaccurate. I do not owe them any money. This account status is also stating charged off with a balance which inaccurate. This account also appears to re-aged charging off or collections back in XX/XX/XXXX. Your investigation from complaint # XXXX, XXXX, XXXX, XXXX shows the account was updated. What was updated? Who did you speak with? I am demanding that this inaccurate and incomplete account be deleted from my report. According to FCRA violations and FDCPA violations. The original creditor has NEVER sent any information to respond to any of my request for an investigation. How are the able to update and illegally re-age this account?
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

Im filing this formal complaint to report a strong likelihood of multiple violations of the Fair Credit Reporting Act ( FCRA ) by COMENITY BANK.

COMENITY BANK has engaged in the following unlawful practices : Non-compliance with opt-out requirements ( 15 U.S.C. 6802 ) : This section mandates that financial institutions provide consumers with a clear and conspicuous explanation of their right to opt out of sharing nonpublic personal information with unaffiliated third parties. I have never received such notification from COMENITY BANK, despite having the right to do so for years. This omission constitutes a clear violation of the FCRA. 
reporting inaccurate information ( 15 U.S.C. 1681 ) : The FCRA requires credit reporting agencies and information furnishers, like COMENITY BANK, to ensure the accuracy and completeness of consumer information in credit reports. My lack of receiving the opt-out procedures raises concerns that COMENITY BANK might be disclosing inaccurate or incomplete information about my ability to control the sharing of my nonpublic personal information. This potential violation could negatively impact my credit report and limit my access to credit opportunities.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TN)

CBSA responded to my last complaint with lease agreement with XXXX XXXX but failed to verify that I owed any debt. This lease is not proof that I owe a debt. The organization also failed to to produce a contract that expressly authorizes them to collect on the alleged debt which is consider unfair practices. I have also challenged CBSA to provide proof of any services or compensation that they rendered me under the penalty of perjury. Failure to do so is false representation. CBSA should be aware that itis unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Lastly, I demand CBSA to cease and desist all communications including all consumer reports immediately. All of these are violations of the FDCPA and failure to follow these demand will lead to legal action.
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Credit Services Inc. (PA)

This is a gym that i have not belonged to in 2 years and they are charging me after I cancelled my account. I have spoken to the gyms manager who confirms I do not owe the money but the owner will not call the credit collectors even after multiple calls to gym.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

I have made several attempts via certified letters to Conn 's ranging from XX/XX/XXXX to XX/XX/XXXX to resolve the incorrect information that is being reported on my credit report. Currently, the account has been updated to charge-off status with a balance of {$220.00} being listed. This information is incorrect, as well, as the first date reported of the account being delinquent. I wish to have this account deleted from my credit report as it is showing inaccurate information and causing great difficulty for me in obtaining credit and proving good credit worthiness.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion had a glitch and violated the rights of the consumers such as myself under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (PA)

I had cancelled bottled water service with XXXX. They said they would come by and pick up the water cooler and XXXX remaining empty bottle. They would send me a final bill. 
Within a month i received a collection notice from Collection Bureau Of America for {$340.00}. 
I called them and they said I needed to return the cooler and bottle and then pay the balance. They would not know the balance until I returned the items. I called XXXX to ask what happened and they do not have my information any more and I need to call the Collection company to find out where to return the items. I called the collection company again and they gave me an address but did have a phone number!. 
This is now showing on my credit report as a collection item when XXXX was supposed to pick up the items.
Consumer complaint received 2016-10-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TOWNE MORTGAGE COMPANY (FL)

We got a construction loan from an out of state lender. It is over a year past construction completion date and the house is unfinished and exposed to elements. We continue to pay the mortgage in its entirety, even though the bank has only release a fraction of the approved funds. The bank and its CEO are all aware of the situation but continue to ignore the situation and have not done anything to protect the house or rectify the situation. We are not allowed to access the borrowed money. We continue to bare the financial burden of paying for a mortgage on a house which is unfinished and is in perpetual worsening condition and is rendered uninhabitable. The bank is the ultimate arbitrator within the mortgage agreement yet has acted irresponsibly and negligently within respect to the house and its condition to the elements and in respect to not mending the mortgage payment monthly to reflect what amount of money has been released to offer some kind of financial relief.
Consumer complaint received 2023-04-03
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. (VA)

I unfreeze my credit at both XXXX and Transunion on XX/XX/2023, XXXX was able to pull from XXXX but not Transunion, due to my credit file is locked, been trying to call Transunion for the last XXXX hrs, with many call drops, call transfer drops, calls routed to agents that have IT issues, still and find a solution as now XX/XX/2023 XXXX EST.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Formal Debt Dispute : Complaint against NewRez for over charging my mortgage account and ruining credit report - LOAN # : XXXX ( Serviced by NewRez ) We are previous XXXX Loan clients. In XX/XX/XXXX, NewRez took over our mortgage loan. We were paying principle {$1000.00} per month. ( 30 year fixed ) Our XXXX payment to XXXX XXXX was paid in XXXX and never transferred over to NewRez. Also, the property is a condo. The flood insurance certificate was sent to XXXX, for XXXX, and should have transferred. 

Suddenly, I and XXXX XXXX XXXX were reported as 30 days late to the credit reporting agencies. 

In addition, our condo association emailed a copy of the flood insurance policy to NewRez in XX/XX/XXXX, for XXXX. However, NewRez has been charging me {$1800.00} for insurance. NewRez confirmed that this would be rectified by the XXXX payment. This is still not fixed. 

We overpaid NewRez in XXXX ( to avoid being sent to collection ) and asked that the overpayment to be credited to XX/XX/XXXX. However, the overpayment still has not been credited. Moreover, we are still being over charged on the mortgage payment XXXX - XXXX = {$750.00} per month. 

NewRez is stating that they never received our flood insurance from XXXX XXXX for XXXX and we had an escrow. We were never aware of this situation as XXXX received copies of our flood insurance policies. We always submitted our flood insurance policies. We should not have an escrow balance from either mortgage company. XXXX received our flood insurance policies. 

( 1 ) NewRez needs to correct my and XXXX XXXX credit report. ( 2 ) They owe one month ( overpayment ) to be credited to the account. ( 3 ) They need to correct the billing statements ( 4 ) They need to credit the XXXX and XXXX flood insurance and not charge an escrow from XXXX. ( 5 ) They need to update the XXXX payment. I have a bank statement showing payment for XX/XX/XXXX. They are stating the payment is not paid. 

I have been on the phone with the agents and two supervisors for two months. However, this situation is still occurring and needs to be rectified. 

Thank you for your time in addressing this matter. 

Sincerely, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX ( Creditor ) Incorrectly Billed Me For Months, When I Canceled My Autopay because I thought the balance was XXXX, the XXXX XXXX ( creditor ) reports late on my creditor report. The credit later reverse incorrect charges that would have made my account balance zero during the period they are report as late however, refuses to remove the late mark from my credit report.
Consumer complaint received 2021-09-01
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: SYNCHRONY FINANCIAL (NJ)

I have these items that does not belong to me and i want it to be removed from my credit. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


2. Identity Theft SYNCB/BP XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft SYNCB/GAP Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Friday XX/XX/XXXX after XXXX I went to Bank of America, XXXX XXXX XXXX to wire transfer {$1500.00} to my brother in XXXX. The paperwork was completed by XXXX XXXX about XXXX. He said Wire Dept. was closed at XXXX. and this transaction is not going anywhere until Tuesday XX/XX/XXXX. Monday was holiday. Later I noticed an error and went back to B of A Saturday XXXX. I talked to the Manager to cancel the transaction. She did the paperwork and said Wire Dept. is closed, this will be cancelled first thing on XX/XX/XXXX. I was at B of A Tues. XX/XX/XXXX by XXXX XXXX. to make sure it is cancelled. XXXX XXXX told me it is cancelled already. He said the money will be in your account by the end of today or tomorrow. I went to bank the following Friday. Mr. XXXX send me email indicating that XXXX XXXX  does not respond. Then I found out the money went to XXXX. I filed complaint at Attorney General, Mayor of XXXX, Federal Trade Commission. I received response from Attorney General referring me to CFPB. I talked to Dispute three times, it was recalled but no response from XXXX XXXX  yet. Please help me to get my money back from B of A. I find them to be at fault.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AR)

I was reviewing over my credit. I notice I had a debt that in collections for a XXXX phone bill. I haven't had a XXXX phone. I have been using XXXX XXXX for the last 5 years. I tried to dispute it off of XXXX XXXX.
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Delinquent account — 
Company: Phillips & Cohen Associates, Ltd. (GA)

Phillips & Cohen Associates , Ltd / XXXX XXXX XXXX has consistently reported erroneous Acct. # XXXX for the amount of {$860.00} on my credit profile for a credit card debt I do not owe. They must delete it from my credit profile with deliberate speed. 

Thank you!
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CURO Intermediate Holdings (TX)

I wasb ehind on my payments and Avio credit took the money ( several payments ) out of my checking account without my permission.AND, I had to stop payment because I was in the hospital and not working. I don't want this to happen again. What should I do?
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX, my wife and I asked Trans Union to investigate mistakes on our credit report. My wife received her response in a timely manner, but I have yet to receive my response. We have sent follow-up letters to Trans Union, but we have yet to get an explanation on why my wife received a completed investigation, but they have been unable to provide one for me. The request was made at the same time.
Consumer complaint received 2022-01-19
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 (TX)

Last year my Pay Pal account stopped working. We had received payment from a customer for additional shipping but Pay Pal would not allow us to transfer that payment to our bank account. Instead Pay Pal permanently limited our account. I have tried several times to find out why our account had been permanently limited, but when I call Pay Pal they will not tell me why they closed our account. We have roughly {$84.00} in our pay pal account and we are not able to have that money sent to our bank account either. Every customer service person I speak to is in a foreign country. I still do not know what has happened for our account to be permanently limited. Pay pal seems to keep our money and not give us any answers.