davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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. (MS)

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 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 2022-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (AL)

Below is the information that I am requesting to be deleted off my credit report, this collection does not belong to me and I have not received proof or validation of this debt. Please remove from credit report. 


Date Reported : XX/XX/XXXX Collection Agency AMSHER COLLECTION SERVICES INC Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$50.00} Amount {$50.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXX  Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX
Consumer complaint received 2022-09-29
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: Convergent Resources, Inc. (PA)

On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named Convergent, the attatched is not evidence of indebtedness. please delete from my report
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX reported my mortgage late thirty ( 30 ) days. I have never been late since XXXX XXXX obtained my mortgage on XX/XX/2021. After my initial payment in XX/XX/2021, I usually pay my mortgage a few days before the XXXX of the month.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I made a cash deposit in a ATM XX/XX/XXXX around XXXX of {$880.00}. I always do my deposits thru ATM, and I always check and make sure my account is credited when I make the deposits, this time my phone was off and had to check when I was already gone, 5 mins later in a red light, I realized the amount was not in my account turned back right away to the Wells Fargo branch located where the same ATM is. 
They told me I have to call because they have nothing to do with the ATM outside, I filled a claim explaining them the whole situation, the gave me a temporary credit of {$880.00}, after 1 month they decided the money was never deposited and they took out {$880.00} from my account. I called again trying to ask them to check security cameras, atm cameras etc, because the money was deposited, is not only {$100.00} is {$880.00} that I dont want to lose, they claim they are not allowed to check any footage and the atm cameras just take one picture when you insert your card! 
Now they dont want to open a new claim, they said I already lose that money.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OK)

This is concerning Wells Fargo and the foreclosure that I experienced in XXXX. I recently contacted ( XX/XX/XXXX Wells Fargo regarding payments made to consumers who experienced illegally mortgage foreclosures and/or loan modification issues. 

Wells Fargo communicated to me that there were no payouts related to mortgages, only for car loans. I gave them my relevant information ( name, mortgage address, etc ) from XXXX. I also told them that I relocated to another address out of state in XXXX, therefore if there had been a notification, I would not have received it. 

In XXXX during the foreclosure process I repeatedly asked for a loan modification and was denied. Also the foreclosure documents from Wells Fargo had a significant legal error. I filed a document in XXXX XXXX new Jersey but nothing happened.
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (MD)

I purchased a XXXX  XXXX XXXX with my ex XXXX XXXXI was the co signer. We broke up and XXXX refused to give me the car back .He feel behind on the loan payments. I called gm financial to explain what happened and how I wanted to get my name off the loan or request that XXXX surrender the vehicle to me so that I could keep the vehicle and stay current they told me there is nothing can be done. .XXXX  did a voluntary repo with out my consent and I was not notified. I had to request the repo detail and thats when I was sent them .Gm financial refused to help me and now this has negatively impacted my Credit and I had to pay taxes thru the irs on a vehicle I didnt even have the option of keeping
Consumer complaint received 2022-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (AR)

Received a letter to cure a payment by a certain date, XX/XX/2022. I was past due two months, XXXX and XXXX, and a notice that a letter to default was sent to me on XX/XX/2022. 

On XX/XX/2022 I called to pay 1 month ( XXXX ) and a half ( XXXX ) and a promise to pay the half month ( XXXX ) and 1 month ( XXXX ) by XX/XX/2022. This would cure the past due payments and get the account current before the default. 

Yet, I spoke to two managers that refused to take the payment. Then spoke to another manager and was also refusing, even though I had until XX/XX/2022 to cure the XXXX and XXXX payments. 

The managers were rude and used bullying tactics like asking about my paychecks, what I spent my money on, that I couldnt afford the payments, and that I was legally obligated to pay, which I agree with. But they still refused to take the partial payment until I let them know that I would report them to the CFPB. 

If they are not willing to abide by their own legal letters, then they are misleading their borrowers when they state We do not want you to fall into default as per their letter. The company is difficult to make arrangements with to pay, are not allowing customers to make payments online if in default, and forcing them to go through a questioning ploy to force a payment to the point of asking the customer to borrow from friend and family to pay. Very unprofessional and quite frankly sketchy as they are not looking to help the customer at all.
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (TX)

I have been using Possible on and off for almost two years now and I have been able to access and pay back borrowed funds with no issue. However, for the last few months I have been unable to make a final payment for a loan I took out several months ago. Each time I have reached out to ask them if I can just make a direct payment, they re-route me to their mobile app and ask me to re-connect my bank account. I have tried for the last 2-3 days to link my new bank account and to no avail. They are not willing to allow me to make that payment another way that will not result in technical difficulties. Also, they have reported to the credit reporting agencies that my payment is late and it has caused a major dent on my credit which is hindering me from moving into a new apartment.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/23 i discovered transunion has the wrong spelling of my last name. XXXX XXXX is the correct way to spell. on the transunion report its spelled XXXX XXXX. this mistake has severely impacted my credit. the effects of this mistake has been the grounds for many disapprovals for loans and credit cards. not only was my name misspelled but two invalid addresses labeled as my current addresses ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX sc XXXX my current address XXXX XXXX XXXXh XXXX XXXX XXXX XXXX ny XXXX false information allowed by transunion mistake has caused several disapprovals, which is a direct injury to the consumer myself XXXX XXXX XXXX XXXX Should be no doubt about my compensation, because this is a direct violation of the law. 15 u.s. code 1681n civil liability for willful noncompliance. on XX/XX/23 i called XXXX XXXX the agent XXXX redirected me to XXXX the agent on this line XXXX put me on hold to hang up on me. i put both transunion agents on notice of this report today. My injuries are clear I've lost several thousands in opportunities due to the false and misleading information.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (MI)

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 2022-09-29
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: EQUIFAX, INC. (NV)

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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (KS)

I was with XXXX  from XXXX XXXX XX/XX/XXXX. 
CONVERGENT-XXXX  opened the account in late XXXX which is already after the federal XXXX for cell phone debt. They only contacted me in XXXX of this year and did not send an itemized receipt or letter of debt. I have only recieved letters confirming my payments towards the debt.
Consumer complaint received 2022-07-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NJ)

I was provided a letter on XX/XX/XXXX with an itemized breakdown for a payoff quote on a vehicle purchase of a XXXX XXXX XXXX I have been trying to finalize since XX/XX/XXXX. See CFPB Complaint Number XXXX. This letter from Chase Executive Office with the itemized info : " Below is an itemized breakdown of that payoff quote : Contract Obligation + {$12000.00} Sales tax + {$860.00} XXXX lease payment + {$320.00} Purchase fee + {$50.00} XXXX and XXXX lease payments paid for - {$640.00} Total payoff = {$13000.00} '' I was advised to " Call our End of Term department at XXXX to get an updated payoff quote '' which I did on XX/XX/XXXX. I was given a payoff quote of {$1000.00} with the Total Payoff amount being {$13000.00}. This new total is now {$290.00} more. The {$1000.00} Payoff Quote was supposed to be overnighted. When I hadn't received the payoff quote paperwork yet on XX/XX/XXXX, I called the same department to find a tracking number. On the XXXX, no tracking number had been issued because nothing had been sent out yet. I called back on XX/XX/XXXX allowing for additional time for Chase to send the quote paperwork. When I spoke to Chase, no tracking number had been issued and nothing still has been sent out. I have been transferred from person to person, each representative saying they have limited access and can not assist with the necessary info. One representative said that I could request a new payoff quote but it may be more money. 
Chase is not sending the paperwork. In additional, Chase continues to not allow me to see account activities and statements from XXXX on this account on Chase.com yet they continue to change the amount due. Each time I try to resolve this issue, they fail to send necessary paperwork or change the final amount due while continuing to charge me monthly on the vehicle and apply late fees. On XX/XX/XXXX, the representative said that " no documents were generated on XX/XX/XXXX ''. I had spoke to a representative on XX/XX/XXXX and they said that it takes 2 days. The representative on XX/XX/XXXX said it takes XXXX hours. Nothing is consistent. I finally requested another quote on XX/XX/XXXX. According to today 's Chase representative and after speaking to 5 different representatives, the paperwork will take 24 hours to generate and will be sent out on XX/XX/XXXX and I should receive the paperwork overnight by XX/XX/XXXX. We will see.
Consumer complaint received 2022-09-29
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXXXXXX ran my credit on accident when my father went to their dealership to buy a. truck, i told them they ran the wrong information they told me they cant do anything about it. my credit score dropped XXXX points and i didnt give anyone permission to check my credit, it was a total of XXXX inquiries.
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I am receiving letters that states the creditor will reduce amount if paid by a certain date. They have reported the debt to the credit bureaus as delinquent. The debtor says that it was opened in 2020. I have disputed this through XXXX XXXX first then directly to the credit bureaus. XXXX XXXX and XXXX have gotten information back that it is an accurate account. I did not open this account or any account in 2020. I have no knowledge of who the creditor is. I have been given the information that if I communicate directly with the creditor, it will be like I acknowledge information of the debt. I don't want to add fuel to the fire, so I will not communicate directly with them. This has a negative impact on my credit score and I need help removing this creditor.
Consumer complaint received 2022-07-13
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. (NJ)

On XX/XX/2022, Experian removed an inaccurate account from my consumer report XXXX XXXX # XXXX. According to the FCRA 15 USC 1681i ( A ) ( 5 ) ( D ) consumer reporting agencies are supposed to report the results of a reinvestigation of inaccurate information to other reporting agencies. Ive disputed these accounts with XXXX and they have failed to provide me with a fair and accurate reinvestigation, if they did they would know those accounts are inaccurate and that they have caused grave damage to my reputation due to their unfair report methods. This accounts still remain on my consumer report as a direct violation of multiple laws within the FCRA.
Consumer complaint received 2022-09-29
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. (NJ)

Transunion is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. Transunion is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. Transunion is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ).
Consumer complaint received 2022-09-29
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. (LA)

Equifax/Equifax credit bureau did not notify my in time of the status of the reinvestigation that was received XX/XX/2022. Instead Equifax/Equifax credit bureau replied to my CFPB complaint XXXX with the status, XX/XX/2022, after 30 days. Equifax/Equifax credit bureau had ample amount of time to do the re-investigation and notify me of the status but instead they failed to notify me of the status. They are in violation of 15 usc 1681i because Equifax/Equifax did not provide me with the status of the reinvestigation. Therefore Equifax are to delete/remove the remaining accounts I wrote in about listed before.
Consumer complaint received 2022-09-29
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX, NY 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. States a consumer reporting agency can not furnish an account without my written instructions.