davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

I received a collection account from Convergent Outsourcing Inc and I requested.a validation of the account letter, Convergent responded with account summary and order statements from XXXX. 

After analyzing the items order statements, I discovered that the address, which XXXX  claim to have shipped the items and the date does not match up. 

The address is : XXXX XXXX XXXX XXXX, VA XXXX According to the items order statements, items ordered at various date though all in the year XXXX and shipped to the above post office box. 

To my records, the post office box was opened on XX/XX/XXXX. So, there is no way items could have been sent to the post office while I didn't have the PO BOX yet. 

I asked Convergent Outsourcing to provide more information on the debt they are attempting to collect but I received the same documents and with letter stating the account is valid.
Consumer complaint received 2020-09-30
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. (FL)

TransUnion File Number : XXXX MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  Breach of XXXX. Also Receive a email from TransUnion today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling TransUnion i have a list of account that was open and use without my consent MY TransUnion File Number : XXXX i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXXXXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I sent a request to Experian to verify the accuracy of a Public record XXXX XXXX  Bankruptcy because I had never seen it before and it is not reporting to XXXX or XXXX. I wanted to know where they received this information from and how was it verified. They updated me that it was accurate but never stated where or what court verified this information. 
In accordance with the Fair Credit Reporting act Experian reporting a XXXX XXXX bankruptcy, 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 an account without my written instructions
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

For the month of XX/XX/2020 They said I was 30 days past due and has caused my credit score to plummet!!!!!!! 
I have NEVER!!! been late!!!!!!! I have proof of sending and them receiving on time!!! 
I have faxed this to them twice! This all started when I started a refi! My note was sold this XXXX and ever since I was introduced to this company I have never liked them. They do NOT know what they are doing and they miss handle my money. That is why I am trying to refi my mortgage!!!!!! I need them to take it off all credit bureaus!!! For this is FRAUD!!! 
I have sent them my bank statements showing money was sent to them and my statements from them showing they received it ON TIME! ( TWICE ) But they refuse to fix the HUGE issue with fixing it with the credit bureaus!!!! Please help!!!!!
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

I opened an account with Square on XX/XX/XXXX to receive payments from clients and verified all the information requested. When I received a payment from a client, Square held on to my payment and asked me to verify myself which I did using my ID. After successful verification Square kept on holding on to my funds informing me after multiple queries that it was reviewing my account. When I threatened to file a complaint with XXXX  and the FTC, Square sent me an email in the afternoon of XX/XX/XXXX, today, stating that the review was done and my account was now active. Of note is that I was never informed that my account was made inactive! Even after the review despite charging me for a same day release of funds Square refused to refund the fees for having held on to my funds for over XXXX  days and still refused to release the funds to my verified bank account at close of business today which is set for XXXX XXXX XXXX. In plain words Square has stolen my money and has charged me for a service it did not provide. I want Square to be shut down/ sued by Federal authorities for fraudulent practices. I want my funds released to my verified account immediately and all fees to be refunded.
Consumer complaint received 2020-09-15
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. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (FL)

Bought Washer, dryer and accessories at XXXX XXXX on the weekend of XX/XX/XXXX the order was confirmed XX/XX/XXXX, total {$1800.00}, estimated delivery XX/XX/XXXX. The order confirmation was split into two orders, XXXX for the accessories XXXX ( washer & dryer ) and ( XXXX ( accessories ). I financed the order using Affirm which was offered directly by XXXX XXXX website. I received my confirmation from Affirrm on XX/XX/XXXX and a second email with payment schedule on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX on the XXXX that my order was not available and they would notified my when the items were ready for shipment, on or about XX/XX/XXXX I called XXXX XXXX and they said they would have next update from the plant XX/XX/XXXX but not to worry because I had not been charged for the purchase, they don't charge until the item ships from the factory. However Affirm has me on a monthly payment schedule starting XX/XX/XXXX for {$300.00} per month due over the next 6 months, failure to make payment results in the full amount of interest being charged on the load. I received another email from XXXX XXXX pass on the XX/XX/XXXX stating the washer and dryer won't be ready to ship till XX/XX/XXXX. I called XXXX XXXX XXXX and canceled my order and asked for a refund, they refunded the accessories but not the washer and dryer as they had not charged for them yet. I followed the Affirm instructions for filing for a refund by contacting XXXX XXXX pass XXXX more times, the second time they provided a return receipt for the accessories and a email stating the order had been canceled, they said they could do anything about Affirm as they not charged for the washer and dryer. I obtained Affirms phone number from XXXX and called to resolve the issue, they said they had to wait for XXXX to process the return for the washer and dryer and advised me to continue paying on the loan or I would be charged interest on the full loan. I called XXXX back and they said the would send an email to Affirm letting them know that the order was canceled but that is all they can do. At this point I have purchased a washer and dryer from another company and am out over {$500.00} dollars with another {$1300.00} in payments and can't get my money back.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

My husband XXXX XXXX entered a contract with an auto dealer in XXXX, California. The vehicle he was approved for at purchase was financed with Santander for a XXXX XXXX and the amount of approved loan was for approximately {$30000.00}. In 2014, at the time of purchase, my husbands yearly income was {$6200.00}. My husband was also diagnosed with early stage XXXX. My husband was not financially capable making monthly auto loan payments for a {$30000.00} vehicle. His mental state, and financial state makes it impossible for him to be approved for this auto loan. In other words, why was he granted this loan? 

His judgment was impaired at the time of purchase. Based on my husband need to purchase vehicles he can not afford my this loan predatory lending, an unscrupulous actions carried out by a lender to entice, induce, and assist a borrower in taking a loan that they otherwise are unable to pay back reasonably. This is my third attempt to have the amount appearing on my husbands credit report removed and the contract null and void. I had the vehicle be returned to the auto dealer. 

Sincerely, XXXX XXXX XXXX Rep Payee for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

Chex Systems , Inc. RE : XXXX XXXX XXXX XXXX . I have a check that was deposited in XX/XX/2019 for {$9500.00} .The check was held for over a week and cleared my account then in XXXX it was said to be a duplicated deposit?? I do not know what that is and how do I check and see if someone has done something to my account? How can a check be deposited twice?? It was deposited at a different branch in the XXXX XXXX XXXX branch. My account is XXXX checking. I have already sent a dispute over a year ago with no response or follow up!!
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (CA)

I want this late payment updated from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$180.00}
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, which is against federal law. The last letter I sent to the three credit bureaus included the words last XX/XX/2022 in it, but no response was received. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), these accounts must be verified ( 1 ). ( A ). If you fail to verify these accounts, I will file a lawsuit against you. In order to quickly settle this issue, kindly follow the legislation. I need you to correct the following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX 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
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. Auto Sales Inc. (GA)

Vehicle was stolen XX/XX/XXXX it was deemed a total loss and paid for by XXXX XXXX XXXX on XX/XX/XXXX. XXXX has on my credit report that Im over 90 late and I owe a balance of {$12000.00} dollars and this is preventing me from closing on my home next week.
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates (GA)

My insurance company, XXXX XXXX, told me that all of my ambulance rides would be paid by them. I contacted the original biller, XXXX XXXX XXXX, to let them know and to resubmit their claIm to XXXX through the address that XXXX provided. XXXX was supposed to pay the claim. I do no have the amount in front of me, but I believe it was for {$2000.00}.
Consumer complaint received 2021-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

When my HELOC loan was transferred to Select Portfolio Servicing ( SPS ) in XXXX they started charging me for Home Owners insurance. XXXX XXXX the company with the 1st lien was already escrowing for home owners insurance. I sent to poof of insurance to the company back in XXXX. I noticed approximately 3 months ago I was still being charge for the insurance. I sent proof to SPS of the insurance I had with XXXX and my Statements from XXXX XXXX that they were escrowing for the insurance. I was told it would be resolved in 3-5 business days. I them called them again a month later as I had heard nothing from them and again they told me I would hear from them in 3-5 business days. I then called them back again about a month later and they again told me I would hear from them in 3-5 business days. Today XX/XX/XXXX I called them again and I was told they have not been escrowing by the first person I talked too then I was transfer to a " Manager '' and he told me he would research the issue and it would take 24 - 48 hours. I have no confidence that anything will be settle without legal action.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was promised a refund of {$1000.00} from a third party vendor, XXXX, for a hotel stay in XXXX, that I cancelled in XXXX due to the pandemic. XXXX did not honor their promise, so I disputed the charge with Capital One. My travel agent sent ample documentation with all the necessary information, per Capital One 's request, on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Capital One saying I would be responsible for the charge because XXXX 's said that I was aware of the " no refund '' policy when I booked and that I refused a voucher. This was not true. My travel agent submitted proof that they offered me a refund but then reneged due to financial trouble. I was NOT offered a voucher. 

I made a series of phone calls to Capital One 's XXXX XXXX, beginning on XX/XX/XXXX, then XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to check the status of my case. Each time I was assured that they received the documentation, that it was complete, and that I'd hear from them soon. I was on the phone an hour this last call on XX/XX/XXXX, and spoke to an agent and a supervisor, who acted like they'd never seen my file. The supervisor offered many excuses as to why my dispute was not settled, and he wanted to review my file on the phone with me -- all 14 pages! ( I do not have the original file ; it is in my agent 's possession. ) He made a decision, after myriad ridiculous excuses, to deny my dispute. His final excuse was that I didn't submit proof that I was not offered a voucher. How on earth can I submit proof of something I do not have? I had, however, submitted a statement to Capital One on XX/XX/XXXX, saying I was not offered a voucher. I felt like I was being given the run around, like this supervisor was looking for every excuse to not honor this dispute, and he was condescending. When I asked who his supervisor one, he said he didn't have one. Outrageous! I will be severing my ties with Capital One 's credit card division in the near future. The customer used to be protected. Not anymore, apparently.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

So I can't reset my password to go onto myEquifax account as it gives me an error saying that my request can't be done at this time. I tried calling myEquifax to reset my password, but they give me an excuse that the password reset program is down. It has been a month and they still say its down, which is ridiculous at this point. I can't manage my credit freeze, which is a liability for me at this point.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (IN)

I was contacted by phone from Midland Credit Management in XXXX  at the outbreak of the pandemic. I told them then to cease and decist and that due to loss of income from the pandemic I was not able to pay them. Today, I received by mail a pre-legal notification. I contacted them and my number was dialled into a call centre in XXXX, not in the United States. I do not appreciate that. When I ordered them cease and desist in XXXX, it meant no communication from them was wanted. According to the letter, I received was the division manager and his name was XXXX XXXX. I would like to hear from him personally and not some madarchod in XXXX, who can barely speak English. I believe that Midland Credit Management is indifferent to the hardships caused by COVID and that they are cold blooded in trying to collect a debt from someone who has told them of a hardship. If they get an attorney to review my case, not only will I file another complaint, I will also contact the proper authorities in my state to get that attorney either suspended or disbarred all together. It would not be my first time doing this.
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NC)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XX/XX/2021