davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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: Convergent Resources, Inc. (AL)

I had been disputing an account on my credit report with Covergent Outsourcing for several yrs. once again with them Ive asked for verification that it was my account such as a bill with my name etc. So on XX/XX/2021 I called and pd it through them. And then I started really inspecting it and looked at the dates so I called the actual company who they were supposed to be collecting the deft for and I dont owe them anything and didnt owe them anything. So the collected {$290.00} from me for something I never owed.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have submitted several disputes with all three Bureaus including Experian, XXXX, and XXXX. I'm a victim of Identity Theft, and was informed by all three bureaus to submit a ID Theft Report from the FTC along with a Police Report to remove the fraudulent accounts from my credit reports. 

I submitted the last FTC ID Theft Report, along with my Police Reports back on XX/XX/2021. I never received any correspondence from the bureaus. I called them approximately 45 days later and to no avail all I got was the run around and they were continuing to process my disputes. From that point I kept waiting to receive some form of correspondence in the mail and still never received any correspondence whatsoever. 

I then decided to try to contact the collection account by the name of XXXX XXXX directly that's reporting on my credit report due to fraud. I spoke with a the Collections Manager by the name of XXXX XXXX XXXX who informed me to send a copy of the Police Report, and she would look to remove the collection account from my credit report. Again, I never heard back from the Collections Manager as it relates to this and the other fraudulent accounts on my credit report.
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (UT)

On XX/XX/year> ; I made a purchase of {$660.00} with a company called " XXXX '' using my Barclaycard Master 's Card to make the purchase. This company goes by the name of " XXXX XXXX '' in public. I originally found them on XXXX because they were advertising their services to people like me who are interested in making money through the XXXXXXXX XXXX. They claim that they can pass a XXXX XXXX XXXX  challenge for you and that " you will get a payout or your money back guaranteed. '' Yes, they passed the prop firm challenge for me as advertised with the prop firm of THEIR CHOOSING. They automatically chose a prop firm called " XXXX XXXX '' to pass the challenge with. XXXX then paid XXXX XXXX {$500.00} for the attempt at passing their prop firm challenge. They passed their challenge and XXXX XXXX quickly reimbursed XXXX the {$500.00} back for their winnings. ( See how this money just came right back to them. ) I was then allowed to trade on their platform. I quickly made about {$5000.00} in profits with XXXX XXXX after 21 days of trading with them myself. However, they never paid me the {$5000.00} that I had made in trading profits. Long story short ... XXXX is a SCAM COMPANY who is in league with XXXX XXXX to make quick profits from people and never give them their money back no matter how much I ask for it unfortunately. Please help me recover my {$660.00} back from Barclays Mastercard because I've already asked for a refund from the XXXX  company ( or " XXXX XXXX '' as they are publicly called ) and they won't refund me the money they owe me. The Barclaycard Disputing Department has already been through the disputing process and couldn't find enough " evidence '' to support my claims. ( Although they never even asked for additional evidence from me at all. Which they definitely should have done to begin with. ) Please help me get the justice I deserve from these nasty thieves and robbers! Thanks a million!
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

Hello ENHANCED RECOVERY ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I satisfied this charge off back in XXXX and the account should be reporting as {$0.00}. This account was already deleted from my credit report and now is showing up again and is affecting my credit. My credit has gone down 37 points due to this error and Im in the mortgage approval process. I talked to someone about rectifying this matter but it would take 30 days. I do not have 30 days to wait, this is not my fault and I would like this matter resolved asap
Consumer complaint received 2022-06-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-24
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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.
Consumer complaint received 2022-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I have been getting text messages from synchrony bank in regards to fraudulent transactions to aTJ Maxx rewards credit card that I have not signed up for. I filed a fraud report and requested the account to be closed. But they asked that I pay for the {$210.00} payment fee that I had missed. But I didn't need to make the payment because I had never made any transactions with a TJ Maxx credit card. Nor have I ever opened up one. If I did, I would remember. But, I don't. So I just made the payment today and I have family members asking me why I did it. But I can't give them a straight answer.
Consumer complaint received 2022-06-24
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-08-17
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. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON LATE PAYMENTS THAT ARE NOT TRUE. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TEXAS CAPITAL BANCSHARES, INC. (FL)

I have been requesting that XXXX XXXX  close my online savings account for several weeks. Two requests were via the bank 's internal email on XX/XX/XXXX and XX/XX/XXXX. Two were phone calls to the bank 's customer service line ( XXXX ) on XX/XX/XXXX & XX/XX/XXXX. XXXX told me that the department that closes accounts is very busy. But I find this silence and lack of follow through highly unusual. My savings account is still open ( with a XXXX balance since the beginning of XXXX ). I also placed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX with no results. XXXX XXXX  has not replied.
Consumer complaint received 2022-06-24
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # 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.
Consumer complaint received 2022-06-24
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to delete the following information in my file. the Item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the item as soon as possible.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: STATE EMPLOYEES CREDIT UNION (NC)

my name is XXXX XXXX i had account with state employyes credit union i got a personal loan was paying lost my job tried to negotiate payment plan they wouldnt accept my offer reported to credit bureau will not erase it after 7 years
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. ()

Hello, I'm sure you have dealt with this complaint before, so I'll simply say it's an issue with Coinbase 's " account under review '' issue.

To elaborate, I was requested by the centralized cryptocurrency exchange known as " Coinbase '', a publically traded company in the US to provide some simple information about myself in an effort to collect data about their users. I'm assuming this is a KYC request. The request was fairly simple and involved asking me what I made, how I was employed, and what I would be using the platform for. Despite the fact that this request was voluntary, Coinbase has kept my account " under review '' for a substantial amount of time. Their message says the review should take approximately 2 days, but it has since been just under one month. Had I not submitted to this voluntary review, I was able to continue using the platform unrestricted until XX/XX/XXXX. 

I have approximately $ XXXXUSD in the account ( depending on how the Crypto winds blow of course ) and that amount was added over a few months. I have created several " tickets '' with the company which were mostly all closed with no explanation on why things were taking so long. 

To be clear, if there's something that needs to be done that is reasonable, that's fine, but there has been no contact whatsoever on the company 's part, and from what I've read online, many people have had this issue for months/years (? ). For this reason, I can only assume that my money is deemed " stolen '' by the company, even if that is not truely the intent of the company. 

I can provide more information upon request, but the form requests that I do not provide personal information. I would request to have CFPB reach out to Coinbase to resolve the issue with the account associated with ticket XXXX. I am not seeking compensation beyond what I have given Coinbase, nor am I explicitly looking to never use this company again for financial services. I hope for a simple resolution to this confusing situation. 

Thank you for reading, XXXX
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

I, XXXX XXXX, give authorization to Equifax to move forward with this complaint. I have proof Equifax is in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complaint XXXX, they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. Equifax has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that Equifax is attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof in Exhibits 1-6 that Equifax is reporting adverse information before, during, and after all investigations which is a direct violation, making Equifax civilly liable and criminally liable pursuant to 1681n and 1681o.