davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

In XXXX of 2021 my husband and I moved out of a property managed by XXXX XXXX XXXX ( operating as California Investors ). The property had been lived in for 12 years and had a higher amount of wear and tear than most properties. Upon move out we were sent a itemized statement totaling over {$5000.00}. I have attached the edited version of the dispute letter sent to the collection agency. The charges were reduced to {$4400.00} however several items disputed were never addressed. We were not supplied with proper documentation ( receipts missing for most charges, photos missing for some charges, charging for items covered by wear and tear ). A 30 day notice to vacate was given but original creditor is still charging rent for that month. No response was given to original dispute, I had to reach out to the original creditor to attempt resolution. I asked for a debt validation from the collection agency ( Hunter Warfield ), and was sent the same information previously supplied. It was incomplete, missing receipts, some additional photos included but again my disputes were ignored. I drafted a formal dispute letter to the collection agency ( attached ) to dispute the amount owed again and before being able to send it I was notified the debt is now on my credit report. I have made it clear at every step that the amount owed is disputed.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I have discovered that there are a group of employees linked to XXXX and XXXX and other groups that have illegal access to my safety deposit box. These employees removed identification documents including my Passport in order to cause a data breach. The data breach was filed and delivered to XXXX via special access with the XXXX with their bump informants and the FBI. My data was reported to be exposed on the dark web as a breach facilitated by the XXXX cell phone company. I never used XXXX and confirmed this with XXXX XXXX I never had a XXXX account. This group of individuals has entered into an illegal course of action known as a civil criminal racketeering conspiracy against me to cause this plaintiff issues and also be illegally linked to my identity. They are also using my identity documents to establish an illegal identity for an informant and provide illegal accounts and deals for them. These individuals are members of the XXXX XXXX and other individuals who have been perpetrating this against this plaintiff for over 10 years.
Consumer complaint received 2022-01-17
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. (MN)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about XXXX, I received an auto loan with Capital One. Due to personal issues, I was forced to file a Chapter XXXX Bankruptcy in Federal Court, and was required to send all monthly payments for the auto loan to the Bankruptcy XXXX, whereby he sent the payments to the creditors listed every month. Approximately, 2 years later, I converted my Bankruptcy into a Chapter XXXX, and I received a Federal Court Order in XXXX, discharging all my debts, and removing any and all liabilities on ever account, including Capital One Auto. I made arrangements with Capital One and returned the car in great condition. The car was a XXXX XXXX XXXX. The blue book value at the time far exceeded what I owed Capital One. During the years I was paying the Trustee to make my monthly payments as required by the XXXX XXXX, I was later notified that none of my payments were ever applied towards my balance, and after years, my loan balance remained the same. Since the Federal Court Order was issued, Capital One Auto has continued to report to the credit agencies that I was delinquent, past due, and states an amount owed. First, I returned the car and Capital One was able to make money on the sale of the vehicle. Second, Capital One refuses to advise me of where all my payments went and why they were not applied towards my balance. 
Third, Capital One has continued to violate the Federal Court Orders, the Federal Law on reporting requirements after bankruptcy, and violating my rights under FCRA. I no longer own the vehicle and have continued to ask that the Capital One Auto account be deleted from my credit report as they are reporting inaccurate information, they are legally required under the XXXX XXXX XXXX to not to report anything negative on my credit report. As a result of their unwillingness to follow the laws, my children and I have been significantly damaged by their illegal negative reporting. I am requesting that Capital One Auto be required to follow the laws of the Federal Government and XXXX XXXX XXXX, and due to their illegal actions for years, immediately notify the credit agencies to delete the Capital One Auto account from my report.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CA)

I requested a credit line increase on my existing credit card with Barclays Bank Delaware. I was never told that such a request would result in a " hard inquiry '' on my credit report. However, such a hard inquiry was in fact completed by Barclays Bank Delaware. I requested Barclays Bank Delaware reverse the hard inquiry, but they refused.
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank is in violation of federal law fair and accurate credit transaction act and my due process rights by closing my banking account and keeping {$4500.00} of my money. I was a victim of a financial scheme. The perpetrator my alleged boyfriend asked me to lend him money for his financial problems and used my bank account to transfer money to XXXX. He told me to help him help his friend to do payments on XXXX by way of XXXX. the XXXX was used for payment to XXXX XXXX for an investment he supposedly had. The email address is the XXXX. I found out through Hungtinton Bank that it was fraud. My supposed to be imposter boyfriend preyed on my emotional dependency and trust to commit fraud to not only myself but to other women ( consumers ). I gave the imposter my bank account information and he provided the information to the other women who supposedly were his clients ( friends ) that he told them that they would be helping his friends out The bank is holding on to {$4500.00} of my money. 
I have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
Yes Wyoming Police Department, around XX/XX/2022 XXXX no. XXXX and federal Trade commission XX/XX/2022 FTC Report XXXX XXXX.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I issued and mailed a check to a vendor XXXX XXXX XXXX XXXX. and the check was cashed by someone other than the intended vendor. My vendor does not even have account at the bank at which the check was deposited. I found out the the day after it posted to the account as Wells Fargo does not provide copies of the check until the day after cleared. I asked for a provisional credit which I was told it would take 24 hours to 10 business days to have an investigation done and at that point it would be decided.
Consumer complaint received 2022-01-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (GA)

H & R ACCOUNTS INC at XXXX XXXX XXXX, XXXX, IL XXXX has been sending me collection notices in the amount of ( {$800.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
Consumer complaint received 2022-01-29
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. (TX)

This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NY)

BRCLYSBANKDE is reporting on my personal credit file. This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. Please delete this account immediately. 

( BRCLYSBANKDE XXXX )
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

on XX/XX/XXXX, XX/XX/XXXX i notice XXXX bankrupcy appears on my credit report with XXXX that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with XXXX but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also XXXX is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

on XX/XX/XXXX, XX/XX/XXXX i notice two bankrupcy appears on my credit report with XXXX that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with experian but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also transunion is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (MI)

I attempted to work with Synchrony Bank in the beginning of the pandemic XXXX for the lack of income during the Michigan shut down for XXXX months. The shutdown affected my small business, and asked for assistance during that time which was denied. The Cares Act was put in place for consumers not to be alienated by creditors during this unprecedented time in American history. In the end of XXXX they finally put me on a payment plan that I could sustain, due to loss revenue on my small business. They reported me to the credit bureau on this matter, and I am so upset with this, I should look into XXXX them over their lack of Cares Act response.
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

1. Selene Finance response to CFPB complaint no. XXXX was chalk full of lies and omissions. 
2. Selene Finance did not mention that I had been on a COVID19 Impact Forbearance with a previous Servicer for two consecutive ( 6 ) month periods. That is one of the reasons a payment had not been made since XX/XX/XXXX. 
3. Selene Finance failed to mention that their customer Service Rep in XX/XX/XXXX deliberately told me that Selene Finance would not honor a Repayment Plan that had been set up with a previous Servicer because it covered too many past due months and that they only do so for 3 - 4 months. This was done to prevent me from making the XX/XX/XXXX payment just as the XX/XX/XXXX had been made directly to them via USPS certified mail. USPS Certified mail was the method of payment chosen due to Selene 's very bad reputation found online for all kinds of plots and schemes played out to enable foreclosure. Hence a letter was sent to me dated XXXX that the repayment plan was being terminated due to a missed payment and a lawsuit for foreclosure has since been filed by Selene. 
4. When a notice from them received only a few days prior to the XXXX deadline where they stated they would acknowledge & honor the previous Servicer 's payment plan, it was too late for XXXX 's XXXX payment to be made in XX/XX/XXXX. The form was signed, dated and faxed back to them on XXXX. 
5. One of their rep 's did offer me on XXXX to make XXXX 's payment on XXXX and XXXX 's payment on XXXX to get caught up when I called in to let them know the form had been faxed back to them. I did not have my checking account info with me at that time and he said he could call me back the next day for it. When I arrived back home, I noticed arrangements had also been made with another creditor. I called Selene back and spoke with XXXX. I requested two more weeks to catch back up. XXXX spoke with her manager who stated both XXXX and XXXX 's payment would need to be made by XXXX. 
6. I called Selene XXXX and was spoke with XXXX as was told only the full amount of past due would be accepted. ( This is well over $ 10k ) 7. Selene Finance should be held accountable for their purposeful deceptions to speed up Foreclosures.
Consumer complaint received 2022-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NC)

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collector : MediCredit INC. This company opened an account using my personal information with no authorization from me. This company has reported that the account of the alleged debt is open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. XXXX sent a response letter providing me with the contact information the debt collection company listed above. This company has reported incorrect illegal accounts to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation if any of my medical information is stored in their establishment. This company used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression.
Consumer complaint received 2022-01-29
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. (SC)

I recently filed a dispute with XXXX in XX/XX/XXXX asking them to remove inaccurate information on my credit report.The 2 accounts that I asked to be removed were reporting inaccurate dates, amounts and account numbers on XXXX and Equifax. The dispute results from XXXX came back verified as if no real investigation was even done and obviously no investigation was done because the account ( XXXX ) came back as accurate but displayed Charged off from XXXX XXXX XXXX 2 on time Payments after XX/XX/XXXX ( XXXX XXXX ) then back to CO status until XX/XX/XXXX. XXXX did not do any investigating
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Great American Finance Co (IN)

After my first complaint, XXXX ( Legal Manager ) from Great American Finance contacted me and tried to brush off the complaint. She let it slip that others are having just as much difficulty as I am understanding the account portal. I am still under the belief that they are violating 1026.7 Comment 7 ( b ) -1.ii of the truth in lending act regulation z. The account balances in the account portal are those with interest rates. I am on a deferred interest plan. Per the regulation above they must list the balance that the deferred interest is applied to. I, among others have submitted complaints against this company. I asked XXXX for statements. She said no. I asked for new coupon book, she refused. I asked for updated portal, the portal is still not updated. my 18th month is coming up and i should not have to over pay and get a refund 30 days later just because they don't want to list the deferred interest balance. How is this legally allowed to continue. I was told by CFPB that I since I refuse to accept their answer of not updating portal in timely manner, I can just keep making complaints. That is fine with me. If they are committing an illegal action above, I want them investigated. I attached what the portal looks like for me. The balance includes interest rates that I don't owe but there is a fine print statement that says the balance is accurate as long as good faith payments are made. That is false advertising.
Consumer complaint received 2022-01-31
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. (NC)

I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

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