davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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. (FL)

I acquired my credit report and asked the credit bureaus to check and make sure that everything was accurate and complete according to 15 USC 1681i ( 5 ) I have waited more than 30days and received my investigation and Ive notice everything was still the same. The consumer reporting agency which is equifax did not remove or modify anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three reports Which is a violation. This is really impacting me from buying a house for my family and a purchasing a vehicle. 
I am emotionally distressed, frustrated and depressed from this matter. Ive attached my previous credit report and my new credit report to show how equifax violated my rights.
Consumer complaint received 2023-02-19
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (MD)

COMPAINT AGAINST CAPITAL ACCOUNTS COLLECTION AGENCY, XXXX. XXXX  XXXX, XXXX, TN XXXX, XXXX Regarding XX/XX/XXXX dental services provided by XXXX XXXX XXXX, XXXX On XX/XX/XXXX, I received a letter from Capital Accounts regarding the debt to XXXX XXXX XXXX, XXXX. In response to the letter, I called Capital Accounts and disputed the debt. I requested verification of the debt ( i.e., invoices/statements showing service date, procedure code, and the amount of service ) from Capital Accounts. I wanted to review the information Capital Accounts was given because XXXX XXXX XXXX dental insurance paid for each service I received and I paid required co-pay for each service. 

On XX/XX/XXXX, I disputed this account directly with credit bureaus. The result of the dispute is that Capital Accounts verified the information therefore the negative information would remain on my credit reports. A year have gone by and to date I have not received verification of this debt from Capital Accounts. 

On XX/XX/XXXX, I called Capital Accounts again regarding this account to address the reason the amount keeps increasing on my credit reports. I also asked why no one from Capital Accounts had sent me, as I had previously requested, verification of this debt. I advised Capital Accounts customer service representative again that I can not acknowledge or accept the debt, as I had not received verification of the debt. 

As follow up to my telephone call to Capital Accounts on XX/XX/XXXX, I received the attached email from Capital Accounts regarding the past due amount with their client XXXX XXXX XXXX XXXX. The email included a ledger with a debt of {$760.00} and {$150.00} in additional interest charges for a total of {$960.00}. How is it that this debt can be increased by {$3.00} per month for interest? As a collection agency they should not be charging {$3.00} monthly interest. Is charging interest on collection accounts illegal? 

This information continues to be reported negatively on my credit bureau reports with the balance constantly going up. Every month when they add Capital Accounts adds the interest charge my credit score decreases. This year old past due collection account has had a very negative affect on my credit rating. Adverse actions have been taken against me because of this account on my credit reports. 


Cc : Capital Accounts XXXX Credit Bureau XXXX Credit Bureau XXXX Credit Bureau
Consumer complaint received 2023-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. 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 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (DC)

On XX/XX/2023 I made an electronic payment of {$2000.00} via my XXXX app to First National Bank of Omaha which is the bank for the XXXX XXXX Credit Card. 
XXXX documents show the payment cleared on XX/XX/2023, the day before payment was due. 
The amount was deducted from my account. I have documentation from XXXX that the money is gone. 
On my account, the payee was labeled XXXX  XXXX XXXX, because that was the previous bank that managed the credit card. However, the payee address was correct for FNBO. 


On XX/XX/2023, I learned FNBO never received said payment and despite my submitting documentation from XXXX showing the money did go through and they are the payee, FNBO refuses to credit this amount to my account. 

Even if the payment somehow went to XXXX  XXXX XXXX, it should have been returned. I also tried calling XXXX  XXXX XXXX but I can't get through on the customer service line because I no longer have an account there.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (NV)

would like to get all these unauthorized inquires removed from my credit report XXXX creditXXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, XXXX  XXXX  inquired on XX/XX/XXXX, XXXX XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX  inquired XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX-XXXX  inquired on XX/XX/XXXX, XXXX-XXXX  inquired XX/XX/XXXX, XXXX inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX, XXXX XXXX  inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX XXXX Great XXXX XXXX inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX inquired XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (GA)

I AM WRITING IN RESPONSE TO CCFPB COMPLIANT NUMBRT XXXX. I PREVIOUSLY REQUESTED THE FOLOWING AS OUTLINED BELOW CONTACTED GENESIS /INDIGO CREDIT CARD FOR THE PURPOSE OF OBTAINING AL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY GENESIS/INDIGO CC. WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. GENESIS ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST XXXXXXXX XXXX XXXXXXXX XXXX. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO MY PHYSICAL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!! 

ON XXXX XXXX XXXX I RECEIVED A LETTER FROM GENEISIS CARD SERVICE WHICH WAS OPEN, IT ONLY HAD THE FACE LETTER IN THE ENVELOPE. THE ENVELOPE WAS OPEN AND NO OTHER DOCUMENTS WERE PRESENT,. 

THIS IS DIFFERENTLY ANOTHER SIGN AS IT RELATES THE XXXX XXXX XXXX XXXX. XXXX GA XXXX, IS BEING SABOTAGED AND THE HOA /ATTORNEY IS INTERSECTING AND OPENING OUR MAIL TO TAKE OUT THE EVIDENCE WHICH WOULD PROHIBIT THEM FROM A NON-JUDICIAL FORCLOSURE. SEE BELOW.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

Reference closed CFPB case XXXX On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, Truist Bank that was a response to the above case. 

Today, XX/XX/XXXX, I had a productive telephone conversation with XXXX XXXX concerning her response letter. However, as there were several issues, still unresolved, XXXX XXXX suggested that I file a new CFPB complaint so that these issues could be addressed by Truist Bank. 

The following are the issues identified in our telephone conversation : 1. Truist records indicate that my account address was updated on XX/XX/XXXX. 
I did not initiate this update on XX/XX/XXXX. I changed my account address in early XX/XX/XXXX and have two Truist Bank statements mailed to me at my new address for XXXX and XX/XX/XXXX to show that change. XXXX XXXX was unable to identify the Truist employee who made this address change on XX/XX/XXXX. 

2. I have had a XXXX dollar return statement fee charged to my account each month since XXXX, XXXX, even though I changed my statement preference from mail to electronic notification in XXXX, XXXX. 

XXXX. The return statement fee appears on my account approximately two days after the statement has been mailed by Truist Bank. This is not enough time for the letter to reach its destination, be determined undeliverable, and returned to Truist Bank and posted to my account. 

XXXX. If possible, it would help if Truist Bank were to flag my account and keep the returned bank statement in XX/XX/XXXX to see what the problem is with the address. They do not have any pictures of returned statements for XX/XX/XXXX through XX/XX/XXXX. 

XXXX. I spoke with my mail carrier and he stated there is no problem with my current address and knows of no action that I or the post office can take to identifier why the statement is being returned to Truist. 

XXXX XXXX requested that if a different client resolution specialist is assigned this case that the specialist reach out to her for background information. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OH)

XX/XX/XXXX I tried to make a payment on my credit card. I put in the amount which was XXXX. I clicked ok. It took me to a 2nd screen where it had a make payment button. I clicked make payment and it took the full balance which was XXXX on a 0 % interest card. I immediately called to stop payment. They said they couldn't. It was escalated a few times and they all gave me different time frames of 4-11 days to be taken care of. So I waited trusting the company. I received a call Wednesday saying I'd get a call Friday to let me know what was going on with it. No call. Monday was XXXX XXXX XXXX so I called Tuesday. They said they had no claim number. And nothing was escalated. Then I was told yes it might take 30 days. Which I was never told. The application itself is made in a predatory way to trick you.. I feel like an XXXX for trusting Wells Fargo at all but I consider myself a savvy person. It seems I was wrong.
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NC)

I have an account with Conn 's Home appliances. I am exactly 7 days late on my payment due to my mother being XXXX XXXX  and in the hospital. My husband has also had health problems in the last week and has not been able to work. I get a XXXX check but it hasn't gotten here yet. These people called me 32 times on XX/XX/2019 and so far, 10 times this morning on XX/XX/2019. I spoke with someone on XX/XX/2019 who supposedly noted in the computer that I would be making my payment on XX/XX/2019. When they call it comes from a private number, XXXX NC or from some man who lives in XXXX NC. It never shows up Conn 's.
Consumer complaint received 2023-02-21
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. (NY)

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status 60 Days Late Past due amount {$51000.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed OPEN Status 180 Days Late Past due amount {$40.00} Fraudulent Account : XXXX ( Original Creditor:XXXXXXXX XXXX  XXXX  ) Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Charge off Past due amount {$83.00}. 
Unauthorized Inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry:XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION (FL)

Email sent to XXXX XXXX XXXX XXXX : I received a call yesterday ( XX/XX/XXXX ) from someone ( female ) indicating they are a subcontractor of your agency ( XXXX XXXX XXXX XXXX ) regarding a debt from Check n Go // XXXX XXXX I explained to your representative that I do not ever recall having any activities or taking a loan out with Check N Go. Your representative refused to listen to me stating that if I did not pay a debt which was around {$900.00} today that I would be sued and an additional {$2500.00} would be added to the debt. As I explained to your representative I need to verify this debt as this is the first time I am hearing about it and I am not just going to pay your agency money on the spot as this is straight up extortion for money, as I do not recall ever having this loan/debt which according to your representative was from XXXX. She provided me with a telephone number for Check N Go who I called and the person stated the debt was only {$580.00} ( {$500.00} original loan and {$85.00} late fee ). The Check N Go representative also said that if someone was asking for more than the original debt it may be a scam and not to pay it and that they do not have anything to do with XXXX. I called your representative back and explained this to them, they got extremely nasty with me stating they would have law enforcement serve me paperwork and she would have me taken to court. I told her I wanted more information to determine if this debt was mine and she again got nasty saying " that is fine, we will move forward with suing me and putting a lien on my social security number. '' As I explained to your representative, if this debt is mine I would be happy to pay the {$580.00} that Check N Go alleges is my debt, however, I want information to prove this is my debt. As I explained to both Check N Go and your representative, I have been the victim of identity fraud in the past by someone who lives in XXXX, FL who uses my social security number, and have had my information stolen several times from various data breaches such as the U.S. Govt Office of Personnel Management, etc. so I am not sure this is a valid debt on my part. With that being said, I want your agency to stop attempting to extort money from me via harassing threats and I want your agency to provide me via mail that this is in fact my debt. If this information is provided to me verifying this is my debt, I will agree to pay the {$580.00} in a lump sum payment. Additionally, I want your agency to stop calling relatives of mine and my working location in which your agency is providing them information about me to include that I have a debt ( which is unverified ), and that legal action is pending against me, which is a violation of FDCPA. I only wish to be contacted via the mailing address and cell number I provided your agency.
Consumer complaint received 2019-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

Hello, I have experienced fraud in my Chase Checking account. On XX/XX/2019 a transaction of {$1800.00} transferred from my account through the XXXX money transfer system on XXXX. The amount was sent to someone named XXXX XXXX. I do not know who that is and I did not authorize that payment. I have filed a dispute claim to XXXX 's fraud team but they have denied it by saying according to their investigation, they can not prove fraud. But they are not taking into account the fact that another fraudulent tried to go through right after that transaction for the amount of {$1900.00}. For that amount, XXXX sent me an alert asking if I authorized it and since I had not, I denied it. XXXX refused to see that similar amounts were tried to be taken out within the same time frame and being sent to people with similar names. All money transfers I do on my account are to family members. You can clearly see that on my account. Also, I have been a member for over a decade now. If they were to analyze my account holistically then they could see that I have been on good terms with Chase all these years. 
On top of this fraudulent activity on Chase 's account, I have had other instances that have led me to believe my identity has been compromised. I have closed a lot of my accounts and placed fraud alerts on everything and froze my credit. I am terrified that another hack is going to happen that is going to compromise my identity further. But when I am telling all this to Chase 's fraud team they are refusing to listen at all. They keep repeating the same line that they have investigated and they can't prove that this is fraud. They are refusing to see it holistically or even to hear about my struggle. I don't know what else to do. This incident shows that there is a deficiency in Chase 's systems and also in the XXXX Payment system. Unfortunately, they are not giving this a thought at all. If this happened to me and Chase is not willing to investigate it further then they are giving power to the thieves who are getting away with stealing money from hard working Americans. As one of the leading financial institutions, Chase should be doing more to listen to the customers and their plight rather than training their employees to just repeat what's on their screen. Please help me understand what I should do next to get my money back and how to put those thieves behind bars.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (MO)

The car was paid off in XXXX I was told the lien release was sent to me I never received it. The call was totaled and before the insurance company will send me the check for the loss they need the lien release I called GM financial on XXXX the XXXX and asked if they would fax it to the insurance company I was told they would but it could take 3 to 5 business days. My wife called Monday and spoke to a someone and asked if they could expedite the situation the contact was extremely rude and told her they had 3 to 5 business days. I called on the XXXX and was told they had 3 to 5 business days. As of the XXXX the insurance company still has not received the lien release.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (ME)

Company contacted me on multiple occasions via phone. They never sent me any letters nor did they leave any voicemails. According to my credit report the collection was placed in XX/XX/2022 and I wasnt notified until XXXX about the account being placed in collections.
Consumer complaint received 2023-02-15
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. (GA)

15 USC 1681i ( 6 ) ( b ) ( iii ) prohibits the consumer reporting agency upon request from the consumer to provide the contents of the reinvestigation which includes the business name, address, phone number, who was contacted in the connection of the dispute. 

Re : XXXX Equifax credit reports come with the reseller details of the public record attached which is XXXX. 

I sent a letter to the consumer reporting agency requesting for the description of the reinvestigation of who you reinvestigated with meaning the " name '' of the person that validated the public record within your public record source. By FCRA law I have the right to have this information that you are validating on me. 

Reason being is because XXXX sent me a letter stating they do not have a record of bankruptcy on my credit file, and you stated to validated with them. 

How is that? I was not asking for any information that you already provide. If you properly reinvestigated, you should have the name of the person that validated. " NOT THE BUSINESS NAME '' no I can follow up with XXXX. 


Attached : - Original letter sent requesting the name of the person -Proof of identity -Letter from XXXX