davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I contacted XXXX XXXX XXXXXXXX several times, in person, over the phone and through email for almost year starting XX/XX/XXXX. This company refused to fix the error made on my credit report. Despite this company admitting their errors ( please see attached documents ), the refused to remove the item from my credit report. They have damaged and still is damaging my credit causing me to lose a lot of opportunities. I have filed a complaint with CFPB before Complaint ID : XXXX and through BBB ( complaint ID : XXXX ), but this is to no avail. This is my last effort to fix this issue and I am attaching a copy of my XXXX which I am ready to file if this company still refuses to fix their errors on my credit file. Please see all attached documents that I will use as proof of this company 's negligent actions.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I received a notice in the mail a few days ago, from a company ( Collection Agency name Jefferson Capital Systems LLC. Located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. ) ( XXXX or XXXX ). 
They claim I owe XXXX an amount of ( {$27.00} ). They wanted me to confirm my personal information, ( ie name, addresses, and the last 4 of my # SS ) which I did. The young man I spoke with his name is ( XXXX  direct number XXXX ). I disputed their claim, and advise that I will contact XXXX directly to inquire. Upon contacting XXXX, ( XXXX XXXX ) they confirm that I owe them nothing and that this company or person is fishing to gather personal information. They advise to discontinue and disregard any and all communication with this ( Agency ). They recommend reaching out to you. 

Thanks, XXXX XXXX XXXX email : XXXX XXXX
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

Issue with : Equifax only Date : Ongoing Problem : Equifax has not updated my credit score or credit report since 2012. My Equifax credit score is 90 points lower than the other two major credit bureaus. I can not dispute or ask Equifax to update my credit report because their website stonewalls me, claiming I give them incorrect contact information. The same information works correctly with the other credit bureaus. 

Detail : When I attempt to access my credit report with Equifax, they tell me that my contact information doesn't match their records. This leads to an infinite loop : I try to update my contact information, and that yields an error message because my information doesn't match their records. 

My credit monitoring service shows that Equifax 's records for me stopped in 2012. 

I've tried using my contact information from 2012. That doesn't match their records. 

I've tried having them send a contact information update form via. post. Some weeks later, a letter from Equifax arrived. The letter states that they can not provide an information update form by post because my information doesn't match their records.
Consumer complaint received 2017-11-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Regional Adjustment Bureau, Incorporated (NY)

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Director - Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX. 
Washington, XXXX XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & CEO XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX certified mail # XXXX XXXX XXXX XXXX XXXX Re : CFPB XXXX XXXX, XXXX ac XXXX Dear Sirs : This is in reply to the XXXX XXXX, XXXX entirely disingenuous XXXX CFPB response. On account of XXXX persistent and pervasive fraud and resulting measurable harm XXXX XXXX is requested to immediately email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd that any credit report negative comment has been removed for the below reasons. 

The XXXX XXXX, XXXX XXXX response by deliberate implication denies the recorded XXXX XXXX, XXXX XXXX 6.59 minute phone call. Thus, this denied call was apparently fraudulent, initiated by an individual other than XXXX customer account supervisor XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT required 60 payments of {$460.00}. XXXX email ratified with confirmation # the 60th, last and final payment received XXXX XXXX, XXXX. 

The XXXX XXXX, XXXX XXXX response On XXXX/XXXX/XXXX you called to acknowledge receipt of payment history via email deceptively implied this 37th time ( Principal * Rate * Time ) email payment history request calculated and  totaled in a business-like manner its alleged due {$740.00}. XXXX perseveres in refusing calculated and totaled Principal * Rate * Time. 

A matter of record prior to its XXXX XXXX, XXXX letter XXXX, allegedly another XXXX employee ( prior calls it was XXXX ) supposedly, again maybe factiously called using phone # XXXX on XXXX XXXX, XXXX @ XXXX and XXXX XXXX, XXXX @ XXXX. In fear of my recording of all phone calls XXXX left no message. 

Part of one of my many recorded phone calls is repeatedly transcribed as of recording phone conversations XXXX cant permit thatare you recording the phone call nowno no are you recording this phone call XXXX agents prejudicially insist in recording phone calls for training and now proven other purposes. XXXX refusal to permit the borrower recording calls cunningly gives camouflage for its total deception and self-aggrandizement as communicated in its XXXX XXXX, XXXX response XXXX prides itself on providing the best possible customer service experience. 

Since XXXX XXXX, XXXX there have been 37 email requests to XXXX, many to you XXXX XXXX, for XXXX to substantiate its {$740.00} calculation. The XXXX XXXX, XXXX letter does not calculate {$740.00} using the universally accepted formula Principal * Rate * Time. {$740.00} presents as vindictive imagination intended to harm. 

XXXX XXXX please respectfully email reply to XXXXXXXXXXXX, with XXXX XXXX, XXXX, XXXX and XXXX email ccd, that you have removed any negative credit report status/comment. Thank you. 

Yours truly, XXXX XXXX
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021, my small business received a wire transfer for some merchandise. I went and purchased the merchandise. On XX/XX/2021, Wells Fargo seized all the remaining funds in my account, because the sender of the wire claimed fraud, then the bank closed my account. Without any contact with me, without my debit authorization, Wells Fargo returned the funds to the customer, saying they received a letter of indemnity from the sending bank, which was XXXX, or XXXX XXXX XXXX. The customer that complained about fraud, will likely receive the merchandise, and a refund of the money that they paid for it. 

Wells Fargo, being fined several XXXX dollars by the Fed because of widespread customer abuse, continues these violations of fiduciary responsibility, and hurts its small business customers and depositors.
Consumer complaint received 2018-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MO)

Our vehicle was deemed a total loss on XX/XX/XXXX. Our insurance company ( XXXX XXXX ) issued 2 checks to GM Financial on XX/XX/XXXX in the amounts of {$17000.00} and {$4500.00}. These payments were never reflected on to our account. After calling repeatedly, there was no resolution. GM Financial did a system upgrade where they stated they would be unavailable from XX/XX/XXXX-XX/XX/XXXX, so we were unable to follow up during this time. Once they reopened, the payments have still not shown. On XX/XX/XXXX, Progressive insurance placed a stop payment on the original 2 checks, and issued 2 new checks which they overnighted on that date. Even though the checks were received overnighted ( validated through shippers website ), a payment was not credited to the account until XX/XX/XXXX. The payment for {$17000.00} was credited to the account, however, the payment for {$4500.00} has disappeared again! I have spent hours on the phone waiting to speak to a representative, and in each case they state it does not appear, and are unable to locate the payment as an unmatched payment in their system. Both of these checks were sent together in the same overnight delivery package. 1 was processed, and 1 came missing. I contacted XXXX XXXX for help, which they traced both payments to show that both checks cleared payment on XX/XX/XXXX. So, the missing payment of {$4500.00} was received and cashed by GM Financial, but no where to be located in their newly upgraded systems. ( I have attached the payment trace document from XXXX XXXX to this complaint ). In the last several days, I have attempted to call several times, but now their customer service line states that the call can not be completed at this time due to high call volumes, and then disconnects the call. We still have an outstanding balance of {$3000.00} on the account as a payoff amount that has not been paid due to the neglect of payment processing and application on behalf of GM Financial.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX CAPITAL ONE AUTO FINANCE Inquiry : XX/XX/XXXX - Finance CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.
Consumer complaint received 2017-11-06
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: EQUIFAX, INC. (LA)

I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX
Consumer complaint received 2017-11-03
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. (NY)

For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX XXXX and Experian, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: E. A. Uffman & Associates, Inc (TX)

never heard off XXXX XXXX, and i asked for validation and they send an itemized bill which is not validation and it is against the law for a company to be added to a 2 party contract if thats the case
Consumer complaint received 2017-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.
Consumer complaint received 2023-02-09
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. (KS)

n accordance with the Fair Credit Reporting act XXXX Account # 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 acc
ount without my written instructions
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (OR)

We tried to refinance with Mr. Cooper starting in XXXX of XXXX. It took over 3 months, a {$650.00} appraisal fee and the week of closing after receiving the Closing Disclosure in XXXX ; they pulled the plug on us and said they wouldn't complete it because we owned our business ; even though our debt to income is under 25 % and our scores are over XXXX. This surprise never should have happened at the XXXX hour. If there was an issue, it should have been disclosed early on in the process. During this time, interest rates increased .25 %, causing over {$5000.00} in additional interest costs over the new loan. XX/XX/XXXX was the last time I heard from our sales rep, XXXX XXXX, stating that we would have to go FHA which increased our interest rate and closing costs thousands of dollars. All reps including managers XXXX XXXX XXXX XXXX XXXX declined to return any of our phone calls. Now they have our application rejected and removed from our account. Their customer service is terrible and their incompetence & delay costed us thousands of dollars. We are in the Real Estate business and this sort of thing should never happen to consumers. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (FL)

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Plaza Services, LLC. Plaza Services, LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and an affidavit to Plaza Services, LLC. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (AZ)

I was approved for an auto loan through BBVA/Compass bank on XXXX XXXX of XXXX. Shortly afterward, I set up an online account so I could make my payments. However, when I attempted to make a payment, it did not process correctly, therefore my payment would not go through. 

I called BBVA/Compass Bank 's customer service center on XXXX XXXX of XXXX in an effort to get this corrected. I spoke to a customer service representative named XXXX who asked me to send screenshots of my attempts to make payments. I was on this phone call for over 60 minutes. The customer service representative assured me I would get a phone call within 48 business hours and my issue should be resolved by then. 

However, over one week went by and I received no phone call, and I still had the same problems with my online account and could not make my car loan payment. I called BBVA/Compass Bank 's customer service department again on XXXX XXXX of this year and spoke with a representative named XXXX. I advised XXXX my problems with making payments online were still not resolved. XXXX again tried to help and requested I send screenshots of my attempts to make online payments. I was again on this call for about 60 minutes. XXXX then transferred me to another department of their customer service department who said they would take my payment for me over the phone free of charge because of the trouble I was having. A customer service representative named XXXX took my checking account information, gave me a confirmation number and said my loan payment would be processed. 

I called BBVA/Compass Bank 's customer service department on Wednesday, XXXX XXXX and told them there is no record of the payment I made on Monday, XXXX XXXX. XXXX from their customer service department told me if my payment did not show up by Friday, XXXX XXXX to call them back. 

It is now Sunday, XXXX XXXX. The car payment I supposedly made on Monday, XXXX XXXX never got processed. Also, my online account has been having problems since I set it up on XXXX XXXX. Compass Bank is not making any efforts to help me with issues I am having with my online account. Also, I am curious as to why one of their banking representatives took my payment information over the phone on XXXX XXXX and now there is no record of it. I am very frustrated by Compass Bank 's poor customer service, and failure to help me resolve my issues.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

I noticed that as of XXXX, XXXX my XXXX Credit Score wend down. According to XXXX  XXXX sold the old debt information to XXXX XXXX. Convergent is now ruining my Credit. I have previously filed a complained about XXXX trying to collect debt that is not mine ; I never had an account with XXXX and I never lived at the alleged address. This matter was already settled with XXXX on XXXX/XXXX/XXXX ; i.e. they ceased extorting money from me. 

Best Regards,
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have tried time after time with Experian with public records with XXXX county recorders office of a state tax lien which the balance is wrong and not no {$5600.00} in which it 's not even half of that. 

I have sent the amount from the state of California for months the bill from them and Experian will not update information right.
Consumer complaint received 2021-03-31
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. (MS)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION XXXX XXXX a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-23
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: Experian Information Solutions Inc. (MO)

filing a complaint on EXPERIAN ... XXXX   ... .AND XXXX . 
these 3 credit bureau are resonsible for leaving old accounts in my credit report. 
MY ACCOUNT SUMMERY : OLDEST IS 7Yrs. 10mos. next is 2yrs. 5mo. last ,5yrs.3mo ... 
i have not ever taken out a loan, im on XXXX. my idenity has bn. used. and my so.security # S.Secuity number as well. i have filed with the FEDERAL TRADE COMMISION ..I HAVE A INDENITY THEFT REPORT. FTC REPORT NUMBER XXXX, which i will be sending a copie in the mail of faxed to your office ...