davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Outsource Receivables is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MN)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Name : XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Employers : XXXX Employers : XXXX XXXX XXXX XXXXXXXX Employers : XXXX  XXXX Employers : XXXX Employers : XXXX XXXX XXXX Employers : XXXX  XXXX XXXX XXXX XXXX  Employers : XXXX  XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Late Payment XXXX XXXX XXXX  Collection/Charge Off XXXXXXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MD)

Purchased a vehicle from XXXX XXXX on XX/XX/2020 with the intent the vehicle operated as expected. I test drove the vehicle without incident. After signing the documentation for purchase, I drove the vehicle home and experienced trouble. The engine loss power and back-fired. I managed to get home and called the local XXXX Dealership for a vehicle inspection. They informed me " Cylinder 5 '' misfired and has a leakage. Also, Cylinder 6 has a leakage as well. I contact XXXX  XXXX with the issue and they have given me the run-around and refuse to take my call. They say, " We stand behind all of our cars.. '' But, instead, they won't support this vehicle. The purchase price was {$62000.00} with {$3000.00} down payment. 

According to XXXX XXXX XXXX XXXX, Virginia, the vehicle requires {$13000.00} in repairs of which will not pass state inspection. Nor, will the vehicle pass emission inspection for State License Plates and Tags. The tires are completely BALD. Upon notice, which they already new before I came to the dealership the condition of the vehicle and was hoping I wouldn't discover the condition until after the 30-days warranty. The dealership is nonresponsive as the days move forward.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

My name is XXXX XXXX, I have a synchrony credit card with jcpenney with an account ending in XXXX and my last four digits of my SS # XXXX. 

I have been a loyal customer for a long time and at one point, I used to be an employee working for JCpenney in XXXX, CA. I bought some items on deferred payment which now I understand what it means, and I was making bigger payments all along thinking that my payments will prevent you from charging me extra interest. I was wrong. 

I never received any notices or emails or warning that my account was going to be subjected to the deferred payment interest. Here I am jobless and going through a divorce, I got hit by XXXX dollars in Interest and another XXXX dollars in additional interest. I had to borrow the money to pay off all my debt and balance afraid more chargers will be added. Please credit me back the Interest I paid. I was not informed. It is absolutely not ethical to prey on uneducated or poor people. 

Thank you, XXXX XXXX You can reach me @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I mailed my fraud identity dispute with the FTC report, notarized affidavit and a police report and XXXX and Experian are still reporting information from the result of fraud. Their response to my previous complaint states they are still working on it ; however, the FCRA 605B ( 15 U.S.C. 1681c-2 states the information should be blocked within 4 days. As you can see, this investigation has taken over a year and I keep getting the same response this account is verified. Well XXXX and Experian are in violation at this point and they wont even send me the documents or details that they have to keep verifying these fraudulent accounts. I feel like my disputes are being handled by a machine and they are not following the rules which prevents me from having a fair investigation. I demand proof and to have the accounts listed in the dispute blocked immediately, all 3 bureaus have had much more than 4 days to block this information and finish their investigation. I followed the rules and so should they or there will be a lawsuit filed if I receive the same response again.
Consumer complaint received 2021-05-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I'm getting numerous of calls from this company thru out the day and they aren't very nice calls either. I stated I will pay but I'm still getting harassed and getting called out my name more then once. I asked to speak to a manager and just got switched to another representative. This company is very unprofessional and something needs to be done because I shouldn't be called a XXXX in any shape nor form. I literally been getting calls from this company since XX/XX/2021 all the way up to today which is XX/XX/2021. They said they mailed me a letter but had the wrong address and all I have is voicemails that they left after I told them I'll pay and somehow we got disconnected and I do Security so after I got off I was every name in the book.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MA)

I was a customer of Simple. On Saturday, XX/XX/XXXX, Compass BBVA shut down Simple, claiming that all Simple customers would be moved over to the Compass online system. 

The transfer failed catastrophically. I am unable to access my accounts. At this time, on Sunday, XX/XX/XXXX, customer service representatives assigned to this case are hanging up on me moments after introducing themselves. I am unable to access any online banking accounts to move money around or check my balances, and BBVA is refusing to provide support.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

Request to reopen CFPB case # : XXXX ACCOUNT NUMBER : XXXX To : Chase Credit Card Dispute Team XXXX Fax XXXX XXXX & Chase Dispute escalation team - Fax XXXX Chase Claim # - XXXX, Chase Reference # : XXXX I disputing about the Chase claiming that Chase has transferred the {$5000.00} to XXXX XXXX  XXXX XX/XX/XXXX, and to the designated intended merchant XXXXLawoffice. This is not a billing error, it is about money transfer is lost, both the merchants bank - XXXX bank and the merchant declared that they never received the {$5000.00}. ( as shown by the attached letter from merchant is included below ). 
Therefore, I want the re-bill to be cancelled or undone, and the dispute case to be re-opened I request that the {$5000.00} be recalled back to Chase from whoever/wherever Chase has sent to? 
So that the {$5000.00} to be credited back to my credit card account. While both Chase and XXXX together needs to reconcile the loss of the {$5000.00} transfer. The {$5000.00} charge on my credit card to be on hold while this is being reconciled and do not close the dispute case. 

XXXX XXXX XXXX XXXX XXXX : XXXX _____________________________________________________________________ Email from merchant : XXXX XXXX XXXX XX/XX/2021, XXXX XXXX Dear XXXX, The {$5000.00} that Chase claimed XXXXhat Chase has transferred out on XX/XX/XXXX to my merchants bank XXXX has never received, so I never received the {$5000.00} payment, as this has been mis-directed. 

It also does not make sense that Chase would send it to some 3rd party processing agent when XXXX itself is a processing agent. Chase should have sent the funds directly to XXXX, not some other intermediary processing agent. I think Chase sent the funds to the wrong place. 

XXXX tells me that Chase should be able to escalate this to a higher level and recall the {$5000.00} that never transferred properly to me, the merchant via my merchants bank XXXX. 


XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-05-12
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: U.S. BANCORP (RI)

Dear XXXX XXXX ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.
Consumer complaint received 2021-05-12
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

We had 3 lates inXX/XX/2020 that were 30 day lates. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 This was due to us being laid off because of COVID. 
I have tried several times to fix this with the company and they refuse to take these lates off my credit report. 
This is not fair. The world shut down and this was out of my control. 
These lates should have never reported. We are back up to date on everything.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

My capital one card was stolen and now i have outstanding balance of {$1000.00} and did not use my card amd need help please let me know how i can fix it becausey credit score is going down extremely low
Consumer complaint received 2021-05-12
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. (GA)

I received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from discover. I contacted discover and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Consumer complaint received 2021-05-11
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-05-12
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. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BK OF AMER XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-05-11
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: ENCORE CAPITAL GROUP INC. (NJ)

I submitted Disputes to XXXX on XX/XX/2020 and XX/XX/2020 in regards to Midland Funding on my report as not being mine. XXXX said Midland verified debt was mine. I in turn wrote letter to Midland Funding asking for verification of debt. The bill sent from Midland Funding was for another person with my same name but different middle initial and different address. I responded to Midland and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked Midland for the original credit agreement with signature of person from whom they are trying to collect debt. Midland did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how XXXX can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So XXXX couldn't have asked Midland to verify my SS # nor address that I've had for over 10yrs now. I disputed this same Midland Funding debt with XXXX and the debt was removed from my report. I have not been able to see my report from XXXX as of yet .I request a hard copy of my report from XXXX XX/XX/2020 and never received it. I am current trying to contact XXXX customer support to figure out why XXXX can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from XXXX
Consumer complaint received 2021-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

Hello, I had initiated a real time payment that didnt not go through via chase ACH real time payment. I tried again and it still didnt go through. I then called and they told me they couldnt process and to go to the bank. I instead wired the money. The same day, my two previous real time payments were send through to the recipient. Chase admitted they made the mistake but they cant do anything about it. I didnt not authorize the payments as they were both marked as rejected. Chase says they can not help.
Consumer complaint received 2021-05-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I am being pushed to accept a mortgage on my home I never agreed to pay. 
The lender produced a Trustee 's Deed where the grantor transferred the property to the grantee, and claimed this obligated me to pay the mortgage. 

In Colorado, a trustee 's deed must be accompanied by a promissory note and must be in writing. 
It must clearly state the exact amount the borrower has to repay. The borrower has to sign the document. Without the borrower 's signature, it's not legally binding. The lender can sign the document, but it's not mandatory. 

I never signed, or even saw a promissory note. 

I was never contacted by the company that holds the mortgage, nor notified in any documents that there was an unpaid mortgage in regard to this property. The money owed was never mentioned in any communications during the course of the property transfer - until after a Quitclaim Deed was filed in my name. 

This can't be binding, or legal.