davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
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. (TX)

On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX XXXX.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (WA)

This company called Convergent ( XXXX ) continues to call me regarding a debt for someone else named XXXX XXXX. 

I've received calls since having my phone for this individual about collecting his debts. I am not this individual and although I have the same number that this individual previously had - I do not owe or have the same name as this person. 

These calls need to stop. I asked this company to remove my number and informed them that I am not the individual.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 2019-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OR)

I have two accounts with Citi card that I have had issues with for years. I recently paid off both cards and am still getting a bill for just over a hundred dollars on each. I have confirmation numbers from choosing to pay off the entire balance but Citi cards is just trying to continue to take money from me. They have impossible to use customer service and I have spent hours trying to get someone on the phone. They outsource their customer service to other countries and when you finally do get someone you are not able to get your issues resolved because none of them have the ability to actually do anything. So I paid thousands of dollars to get out from underneath these two cards and they are still making sure I can't. I need help.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (DC)

I contacted Wells Fargo about the fraud on my account. I woke up to texts on my XXXX about charges made by someone at a casino I have never visited. In fact I was asleep when the incident happened. The charges where made from XXXX TO XXXX. I was at my home asleep. I called and alerted the credit card company immediately. The filed the dispute incorrectly. The failed to include all the fraudulent charges made on the card. I have been back and forth with them trying to resolve this issue. I filed a fraud claim with the credit card company and have not heard anything else from them.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

Someone from the company continually calls and leaves messages on my work line since on or about XX/XX/ 2018. Has never contact me personally or through mail. I am not sure what the debt is concerning, but since no information has been sent to me to physically look at the phone calls are a nuisance and harassing.
Consumer complaint received 2017-11-26
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: WELLS FARGO & COMPANY (CT)

The Sherman Anti Trust Act, regulates Trusts & Business Conglomerates. 

Estates & Trusts, land and property being held, & " used. '' A Trust was once a Common Law, Law of Precedents, one previous decision, weighing on the next, using a Judge only, weighing, " right from wrong. '' The XXXX XXXX County Court House, dismantled & converted to state statutes only, with no foundation of any Trust except Statutory Trusts. A Successor Trustee who is liable and competent can not " appear '' for the XXXX XXXX XXXX XXXX XXXX XXXX, which is still held on XXXX XXXX XXXX, as casino run off of XXXX XXXX, XXXX XXXX, S.D. with hundreds of other defunct Trusts, failed XX/XX/XXXX. Congressional Indenture Act, Corporation actings as Trustee , Securities & Exchange Commission, ( Conglomerate ) failed XXXX XXXX XXXX. & another completely different EIN, and fictitious name Wells Fargo & Company, as XXXX XXXX XXXX XXXX. EIN XXXX went inactive and now not valid, and failed hundreds of branches in 40 USA states, and hundreds of other business using that EIN number. 
As some-sort-of-Conglomerate, they did not honor their own failure and they plead that they use non existent persons employed un gainfully as XXXX XXXX XXXX already since XXXX, and have no contingency plan, and owe me {$330000.00}, and shouted to the State of CT. they will or can not pay, and they have to all be picked up as non existent and have no  use of the criminal justice system at all. 
They can receive XXXX XXXX, and be " straightened out '' at their own expense to delay their disposal.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

Hello, Im here to make another complaint on a fraudulent bank account opened under my identity. Its causing major problems with my active bank account that I opened, XXXX XXXX XXXX XXXX. This is completely insane. Never was i a consumer of US Bank. This matter needs to be investigated.
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Kimball, Tirey & St. John LLP (OH)

i and my wife was renting a apartment from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX i infomed them, that becaue of job change i will be serrendring that location on XX/XX/XXXX which i did, my balance due was {$2000.00} which i told XXXX XXXX will pay, by XX/XX/XXXX they said i had to work everything out, kimball, tirey & St John LLP , i called them at XXXX XXXX to pay theysaid we can not located account, they said they will contact me after get a judgement on my and i, they sd our balance was XXXX. then over the course of 4 month we finally talk with the atty office XXXX XXXX said thay had judgement for {$2500.00} i asked how can you get a judgement without contacting me or serving us he said that wha they do, and that i have {$7300.00}, still due bring the total to {$9900.00}
Consumer complaint received 2023-06-21
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (NJ)

This happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from may a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD.
Consumer complaint received 2016-06-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION (FL)

I PURCHASE A XXXX ON XX/XX/XXXX. FROM XXXX I WAS TOLD BUY THE SALES AGENT TO SUBMIT THE AUTO APPLICATION WITH MY HUSBAND XXXX. HE LET THE SALESMAN KNOW HIS FL LICENSE WERE SUSPENDED WHICH THE SALESMAN SAID IT DON'T GO AGAINST THE LOAN BEING APPROVED.FINISH ALL PAPER WORK LOAN WAS APPROVED AND JUST RECEIVED TAG FROM 3 MONTHS WAITING AND UNABLE TO CONTACT COMPANY BECAUSE THEY WERE KNOW LONGER AT THE SAME LOCATION.I VISIT MOTOR VEHICLE REGIONAL OFFICE IN XXXX FL ON XX/XX/XXXX THEY FOUND WHO REGISTER THE TAG AND WENT IN THAT DAY PAID XXXX FOR TAG AND FEES. I ASK THE AGENT PEPE WHY WASN'T I GIVEN A DECAL FOR XX/XX/XXXX HE STATED I NEEDED TO GO TO A TAG AGENT TO RENEW. THAT  DAY I VISITED A AGENCY IN XXXX FL WHEN I WAS TOLD SINCE MY HUSBAND LICENSE WASN'T ACTIVE I COULD NOT RENEW UNTIL HE TOOK ACTIONS ON HAVING IT REINSTATED. CONTACT LOBEL FINANCIAL TO ASK WHAT WOULD BE MY STEPS IN REMOVING MY HUSBAND INFORMATION OFF THE LOAN I WAS TOLD BY TWO MANAGERS AND FIVE AGENTS TO FIND ANOTHER COMPANY TO REFINANCE MY LOAN. SO NOW I AM STUCK WITH A VEHICLE THAT I PAY XXXX A MONTH PLUS XXXX INSURANCE. I NOTIFIED THE INSURANCE COMPANY THAT MY HUSBAND LICENSE WAS SUSPENDED AND THEY EXCLUDED HIM OFF THE POLICY. I REALLY NEED HELP ON SOLVING THIS PROBLEM BECAUSE I HAD A DOWN PAYMENT OF XXXX AND HAVE MADE 4 PAYMENTS OF XXXX AND CAN'T LOSE MY MONEY ON A VEHICLE I CAN'T DRIVE. LOBEL FINANCIAL CORP. XXXX.
XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

On XX/XX/18 I XXXX XXXX sent demanded letter to Select Portfolio Services inc demand to see the mortgage note, therefore, request under the statue that you provide the note wet ink in its present condition for our viewing till you provide evidence that you are agent of the note owner that is party legally being the person entitled to enforce under MGL chapter 106 the statutory version of the uniform commercial code Select Portfolio told us if we want to see the note we have to buy airline ticket to XXXX XXXX XXXX Ut All we demand so that we may schedule for our expert to view the wet ink note please assist us in any way you can resolve these issues
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i tried to call this number and i can not call long distance. I thought my complaint was pretty well described, I had a card with capital one and told them i wanted to close my account and when i tried to make the last payment they refused to take the payment .I called to find out why and was told my account was frozen. so this became their account they controlled the blocking of my final payment which isIllegal this is what i learned from XXXX free legal advice and they told me how to handle this.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX  XXXX ; XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2015-09-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a car loan with Capital one Finance and I am about two months late. Which I have been behind because I had to move out of state due to unforeseen circumstances I did explain that to them about two weeks ago. And they stated that they would notate that in my account. since then I receive at least XXXX calls and at least XXXX text messages daily. Now I would consider after XXXX calls it would be harassment if you send a letter leave a text and a voicemail. Yes I understand I have to pay my bills but XXXX calls at least a hour apart is ridiculous in any form of communication.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (CA)

Contacted CMRE regarding a medical bill. He stated the bill was the correct amount and they have been trying to bill my insurance co since XXXX XXXX, 2015. Today they placed a collection on my credit report. I called CMRE and explained I never received a bill in this amount, I had already provided the Insurance Information months ago and I believe the amount to be incorrect. I requested they remove this until they can resolve it on their end and the representative refused.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

On XX/XX/2023 I submitted a claim with CashApp to return the funds that they took and my claim was denied on XX/XX/2023. It's unclear why CashApp decided to take my funds and deposit my money in their bank account. I made a reservation with XXXX XXXX on XX/XX/2023 to stay from XX/XX/XXXX, XXXX XXXXXXXX XXXX ( I used my CashApp card to hold the online reservation ) ; for unforeseen circumstances I had to cancel the reservation on XX/XX/2023 ( within the cancelation policy ) and on XX/XX/2023 I noticed that the CashApp card was charged {$200.00} ( XXXX night room and tax ) so I contacted XXXX XXXX ( Cancellation # XXXX ) regarding the charge and they ensured that they did not charge my Cash App card for any fees nor for the room- since I honored their cancellation policy. In addition, they sent me an email validating that they DID NOT place any charges on my Cash App card. ( I have the email if needed ). I contacted CasApp on XX/XX/2023 to submit a claim for the funds that CashApp took and deposit into their own bank account ( CashApp DID NOT deposit the {$200.00} to XXXX XXXX ). It's unclear why CashApp would take my money and keep it. They did not release the funds back to me ( on my card ) since this was a hold ; they did not deposit to XXXX XXXX and the denied my claim to refund my money. WHY? I'm trying to make sense of why they are keeping my money ( for NO REASON ) and enjoying a meal off of MY MONEY. There is NO REASON why they denied my claim and no reason to put MY MONEY into their bank account. I want my funds {$200.00} returned and an investigation into this matter. Something is fishy about this situation. 
CASHAPP info : Dispute denied. From : Cash App XXXX Date : XX/XX/2023 at XXXX AM PDT. Subject : Your dispute has been denied We reviewed your dispute with XXXX XXXX By XXXX for {$200.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. 
MY CASH APP CARD info : XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (CA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was never late on accounts listed above, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete the alleged late payments from my credit report. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orions Management Group, LLC (NJ)

XXXX XXXX XXXX contacted my employer today. I called them to see who they were and why. I spoke to a girl named XXXX who then transferred my call over to a male named XXXX. XXXX proceeded to tell me how if I dont pay they are going to contact the attorney general in my area and take legal action. I tried to explain to him that the debt was not mine. The dentist wrongfully billed for work never done. He started to scream at me on thue phone stating regardless if the work was done or not I still owed the money.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MO)

On XX/XX/XXXX I had a XXXX at XXXX XXXX XXXX XXXX. I have been making payments on this account to XXXX directly. I currently owe {$150.00} from that date according to XXXX  website. Today I was contacted by transworld systems to pay a balance from that date for that doctor of {$300.00}, which is the previous balance. They gave me a fake account number that doesnt remotely resemble any other XXXX   account number Ive seen. They tried to say it was a different debt and then they tried to say it was a balance from XXXX. I look online at the XXXX  portal and they say I owe {$150.00} from that day in question. I am livid because they are trying to extort money from me that I do not owe. I have asked them not to contact me again.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HANCOCK WHITNEY BANK (MS)

I am a co-signed on my daughters checking account. She was a victim of check fraud on or about XX/XX/XXXX. We have the police report and other info. We contacted Hancock Whitney bank and they started a investigation. My husband and i have a checking account there. And I am also on my XXXX year old mother account there. The fraud checks/scam were two checks totaling XXXX. The scammer requested money be sent back due to overpayment and my daughter did that. We understand that we need to make it right with the bank but they want there money in 10 days or they say they are gon na take my money out of my and my husbands account and if it isnt available there, they will take my mothers. We have offered numerous solution that would Benefitnthe bank and is without taking my mother only money she has. She is elderly and has medication and other necessities to buy. My husband receives social security and we cant make it without his money. I am a XXXX in XXXX. We have asked the local branch to let us discuss it with fraud division or corporate to come up with a solution and they refused. They said it has to be handled locally. We offered all document, emails, text from the number and email that was used for the scam. They refused to look at it. We offered police report and they said they didnt need it. We tried to remove myself off my mothers account to avoid her losing everything and they refused. They have treated us like crimson and second hand citizens since the day it happened. We have requested a unbiased arbitrater and they refused.