davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (LA)

I have disputed this account through XXXX several times and also filed a police report, along with submitted a documented packet to XXXX XXXX explaining this debt is not my debt and I do not owe this company they continue to put false items on my credit report causing me pain and suffering while in the process to purchase a home for my XXXX children and I. I am a single parent and the suffering they are causing me while trying to raise my children is horrible. I shouldn't have to continue to fill out paper work that I continue to explain to XXXX different people. I have spoke to XXXX, I have spoke to XXXX XXXX, the police filed a fraud complaint on the matter and now I have to continue to dispute through them. When they sent the verification paperwork I explained and wrote back to this company and another comapny that this debt is not MINE I DO NOT HAVE XXXX! MY SOCIAL, and credit file has to be locked due to people using it for fraud. I SHOULD NOT HAVE TO KEEP DISPUTING THIS SAME INFOMRATION NUMEROUS AMOUNTS OF TIMES! it is frustrating and I am thinking about getting an attorney to sue all XXXX companies due to the pain I am being caused and time i am wasting.
Consumer complaint received 2021-12-18
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. (NC)

On XX/XX/2021 I received XXXX letters from Equifax that stated in them 'As a result of a dispute you submitted the account listed below was removed from your Equifax XXXX file. The company that furnished the account information recently requested to have the account information reinserted on your Equifax credit file and submitted a ceritifcation ... '. For these XXXX companies and now it is XXXX on the exact same date ( the XXXX was cutup by mistake by the USPS Office and they sent later a copy of the same letter as well for a fourth company ). I disputed the fact the company furnished the account information, as it would be impossible for all XXXX companies to inform Equifax on that same date and ONLY Equifax PLUS they were all under a CEASE and DESIST Order which this would have violated those multiple orders with the XXXX XXXX This summarily verifies EQUIFAX has a software error or a human error that caused these XXXX credit file items to erroreously re-appear on my credit file after having spent months having them removed. I asked for the PROOF that 'the company ' requested to the the information reinserted and received absolutely no reply except the fact that scores change downward or upward based on many factors. This rhertic does not constitute the truth nor even an attempt to perform any due diligence on what actually occurred. I am attaching some of the infomration that can be used in a discovery mode in order to immediately correct this client 's credit file with Equifax.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

I went to the XXXX XXXX XXXX XXXX CA Chase bank to cash a check. The teller told me they needed to charge me a {$10.00} fee because my profile with Chase has a credit card which is in Charge-off status. They told me this in a voice where my neighbor who was in line behind me could hear. After fighting with the teller who was then joined by two other tellers, I was told the manager was in a meeting and could not come to the counter, I was finally given the complete account number for the account in question. I researched the account in my XXXX then located the paper statements in my hard-copy file ; the account turned out to have only been open for three months in early 2015. All payments were made on-time and the final statement balance was a credit of {$120.00}. I have never had an account in charge-off status my entire life. 

Chase is attempting to defraud me by charging fees to cash checks because they have erroneous and derogatory information about me their system. I have now spoke with four different departments at Chase bank and no one seems to know how to fix the erroneous information about me in the Chase system.

It is not right I have to pay a fee to cash a check at Chase bank when I have two existing accounts with Chase, but because of some erroneous information in their system, which no one seems to be able to fix, I am being targeted to pay extra fees.
Consumer complaint received 2021-11-28
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance : $ {$650.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2021-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (GA)

I have been trying to get in contact with XXXX funding for several months with no success. When I finally reached out to them, they informed via email that my debt had been sold to another debt collection agency. The original creditor was a credit card company. I tried getting in contact with the new creditor but have had no success. Out of the blue, I received notification that XXXX had filed a lawsuit against me, but never notified me nor tried to warn me of such a suit. A county deputy came to my mother 's house and provided my mother with the case number. I had to hire an attorney to represent me, causing me to spend money I did not have. I have depleted my savings because of this. I still have not been properly served, yet, the collections is still on my credit report, including the original creditor even though it's been sold twice now. The amount of the debt is {$740.00}. The credit bureaus have refused to delete this off my credit and XXXX has refused to send me any written notices nor respond to my attorney.
Consumer complaint received 2021-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (VA)

My mortgage company Axos Bank ( XXXX XXXX XXXX XXXX  is not providing monthly statements, as of right now, their website only shows statements up to XXXX 2021, and today is XXXX, 2021.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

My home mortgage was through Wells Fargo when the home was purchased in XXXX. I refinanced with my current bank in XXXX in an effort to consolidate expenses and reduce interest rate. Based on the dates of the complaint against Wells Fargo ( customer during the period of XXXX through XXXX ), I wanted to explore whether there were extraneous charges/fees on my mortgage payments during this period ( considering they were auto drafted from my checking account and no payments were missed during the time that I was a customer ) and whether the Consumer Financial Protection Bureau proceedings apply to myself and my household. Thank you.
Consumer complaint received 2021-11-07
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. (TX)

Ive notice some unauthorized inquires on my consumer report. ive attached and FTC report with my current information and my identification so that you can verify that it is me submitting this claims. I didn't give anyone permission to furnish my consumer report. Pursuant to FCRA which was written by the congress to make sure all Credit Reporting Agencies abide by all consumer laws. I the consumer is the only one that has to consumer right to say what belongs on my consumer report.
Consumer complaint received 2021-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day, over XXXX days later, I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report and it has been over XXXX days so they should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you've caused me. 
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-06
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. (CA)

I reached out to XXXX after finding a fraudulent account from Convergent Outsourcing. They haven't removed it even though I told them about it on XX/XX/2021 and again on XX/XX/2021. I am being harrassed illegaly by Convergent and I want this to stop. This has not only damaged my financial character, but is causing unnecessary XXXX.
Consumer complaint received 2021-12-14
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX )
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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 XXXX  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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 2021-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: The Bureaus, Inc. (FL)

My information was furnished and used on XX/XX/XXXX without my consent for a XXXX XXXX XXXX credit card. It was a {$350.00} credit limit and immediately maxed. Some payments were made on the card but it was eventually defaulted. The Bureaus claim date of first delinquency was XX/XX/XXXX but last payment prior acquisition was XX/XX/XXXX. Why would an account be turned over for collection before it was ever delinquent? I incurred damage to my credit standing, declined auto loans, credit cards and other services that I probably would have been granted without this inaccurate information. This account was sold to The Bureaus and I have been in contact with them. I have demanded the original, written and or recorded contract/application, copies of my ID/SS card or number and all other relevant information to prove that it was me that opened the account. They did not provide anything except the payment history and other irrelevant documents, but nothing proving ownership. I have disputed this XXXX XXXX XXXX XXXX through no avail. They always XXXX reply saying the information has been verified. I know this is inaccurate being my XXXX, XXXX, XXXX and XXXX accounts are frozen ; therefore, they continue to be dishonest while causing a consumer financial harm.
Consumer complaint received 2021-11-28
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. (MD)

I have never received any information on this account, nor the card itself. I reached out to XXXX to resolve the issue and they were not willing to help. I even went as far as to ask for a supervisor and the representative was rude and unwilling to compromise. He said there was no one else I could speak to and refused to give me his last name or ID number. He then, left me on hold for approximately XXXX minutes and hung up! I sent them a letter asking them to validate the account and they have failed to respond. I would like to resolve this matter immediately.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted Transunion via certified mail multiples in XXXX, XXXX, XXXX ( XXXX & XXXX ) and XX/XX/2021 about removing the fraudulent items on my report. They still have not the negative fraudulent items.
Consumer complaint received 2021-11-28
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. (AZ)

TransUnion 's consumer reporting agency has assumed a vital role in assembling and evaluating my consumer credit and other information pertaining to my consumer report. With that being said, TransUnion 's consumer reporting agency is furnishing my consumer report with unauthorized inquiries and accounts. Not only did I not use my social security card to authorize these consumer credit transactions but more importantly these items are in violation of several Fair Credit Reporting Act laws that protect my consumer rights.
Consumer complaint received 2022-06-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

A Special Needs young man, entered XXXX XXXX XXXX on XX/XX/XXXX located at XXXX XXXX XXXX XXXX NY XXXX to ask questions about a car and left with a XXXX XXXX XXXX XXXX. XXXX from the sale of the car has the dealership as : XXXX XXXX XXXX XXXX XXXX. XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX NY XXXX. The dealership convinced an Intellectually & developmental disabled young man that he could afford a XXXX XXXX XXXX XXXX. He told them that he only makes about {$20000.00} per year, has coop maintenance fees of {$640.00} per month, has electric payments close to {$100.00} per month, along with other bills. They told him he could afford this car if he traded in his current car ( a XXXX XXXX XXXX that we purchased just 2 months ago for {$18000.00} from another dealership ). They traded his car for just {$12000.00} ( yet they put in the paperwork that they gave him {$11000.00} for his car trade & as if he gave them {$500.00} cash. That is false. No cash was given. He didn't even have the title to his XXXX with him, as he just went there to ask questions. I have proof of the XXXX XXXX, the exact vehicle listed online at {$30000.00}, yet the paperwork shows a sale price to my son at {$40000.00} ( & says " total cash price '' of {$47000.00} ). His credit score is at about XXXX, showed XXXX student loans ( & I also showed the dealership a collections agency letter received on XX/XX/XXXX ). They gave him an interest rate of 22.9 % for 72 months ( that's almost {$900.00} per month ) and had him sign a " no cooling off '' form claiming that by law it had to be signed. I was told this as well by them & I have proof of them stating this to me. They also told my son that he had to take a picture with the vehicle and leave a review on their website before leaving the dealership. I ( his mom ) returned to the dealership within 24 hours of the purchase ( I have proof of this as well ). We brought the car with us, asking if we could leave the XXXX XXXX on their lot so it wouldn't be touched or driven until we received the new title, & we asked if we could then have his XXXX back. We were told its not their problem & if someone wants to buy his XXXX, they're selling it. I showed my son 's IQ score, medical diagnosis ', disabilities and explained that I am in the process of getting Guardianship. This dealership is 1 month old. They took full advantage of this young man and offered no help. Shame on them! They purposely had him sign a " No Cooling Form ''! They know exactly what they did! Shame on them!
Consumer complaint received 2022-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

You are Violating the FCRA Pursuant 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience between the CONSUMER and PERSON making the report is not included on the consumer reports!! Delete ALL Late Payments on my Consumer Report. Specifically, this account with, CAP ONE AUTO, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX you reported that my transaction was 30 and 60 days late.
Consumer complaint received 2023-03-23
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. (CA)

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 XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX Inquiry : XX/XX/2022 CAPITAL ONE Inquiry : XX/XX/2022 XXXX - XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX
Consumer complaint received 2021-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

On XX/XX/XXXX I placed a limit order for a virtual currency ( XXXX XXXX ) in the amount of approximately XXXX . I later cancelled this order, the order still shows as being open and I don't have access to my funds or the currency. If I try to cancel it it says order not found. I have reached out to the company ( coinbase ) multiple times and have multiple tickets. Each time they reply saying the problem is solved in a generic email but it is not. For 3 days now I have lost access to my XXXX $ with no contact from their company
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX contacted me today about a debt of XXXX owed to Telecheck and they are representing them to collect that debt ( XX/XX/XXXX ). I said that the check is the result of my lost checkbook last year ( which I already filed three complain with CFPB ). I said I can send them police report, but they refuse to offer me means to do that. They refused to report this to Telecheck and insisted I have to contact Telecheck to myself the issue. They also not tell me their official address and refuse to disclose how they get my personal information.

I also try to file a dispute with Telecheck, but their website do not allow me to submit a dispute.