davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-04
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. (IL)

I have paid this account. Showed proof that it was a pay to delete. Showed proof of cashed check from this company. The credit bureaus have been reporting this incorrectly and have violated my rights per the FCRA TO REPORT ACCURATE INFORMATION OR DELETE ... they continue to update as opposed to delete AND THEY UPDATE IT WITH MORE INACCURACIES. I CONSTANTLY SEND IN PROOF ALONG WITH MY IDENTIFICATION AND MY PROBLEM IS NOT RESOLVED AND THEY CONTINUE TO SPEND MORE TIME DUE TO COVID WITH A IMPROPER INVESTIGATION.. I WANT THIS DELETED PER THE FCRA OF INACCURATE INFORMATION.. i even provided the cashed check for a pay to delete which was STILL NOT UPHELD the account XXXX/XXXX  XXXX   agreed to pay and delete its on the cancelled check .. credit bureaus continue to update add inaccurate comments as opposed to protecting my rights that are clearly stated in THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I had a credit freeze with Experian. To refinance my loan I unfroze my credit using their website tool and it worked without an issue. 

After the refinance was complete when I try to refreeze my credit report with Experian, their website gives me a very hard time to use the freeze tool. Instead they're trying to push me to purchase their " credit lock '' product. When I try to freeze my credit, the website takes a very long time to respond at each step which caused my browser to either timeout or look like something is wrong. At one step it took over 3 minutesthat it felt like something is very wrong which makes it frustrating/difficult for the consumer. Basically they're making it hard for the consumer to use the credit freezing tool and push them towards pushing their premium product by making it difficult, painful and almost impossible to use their online credit freeze tool. 

This is harassment and violation of the federal law to allow me to easily freeze my credit. This is only specific to Experian and I've no trouble freezing my credit with the other agencies, all of which took me less than 10 seconds to complete. The Experian website and other services/tools respond instantly, they've intentionally slowed down the freeze tool only to push people to purchase their alternative product.
Consumer complaint received 2020-10-04
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: Debt Recovery Solutions, LLC (TX)

This account reported by Debt Recovery Solutions was disputed in XX/XX/XXXX. The reported debt was unable to be substantiated and the account was deleted from XXXX, XXXX and XXXX   reports. XXXX deleted the report XX/XX/2020, XXXX   deleted the account XX/XX/2020. FOUR MONTHS go by and all of a sudden I receive three consecutive emails from XXXX stating that a dispute that I filed on XX/XX/2020 had been Opened, Investigated and being Updated. I DID NOT open a dispute on this account from Debt Recovery Solutions in XX/XX/XXXX. This account was no longer on my credit report as of XX/XX/2020. Why would I open a dispute on an account that was not even on my credit report?? That hardly makes sense. So, my issue is two-fold. WHO opened this dispute under MY NAME as if they are representing me? That seems pretty fraudulent. In addition, I sent XXXX and XXXX letters reporting this account had now been re-inserted onto my profile and my concern regarding this dispute being opened, disputed and updated as if it were initiated by me? I also requested XXXX  and XXXX send me the information pertaining to this account that has allowed them to certify that this account has been verified, as is my right to know what is being reported. ANYONE CAN SEND YOU AN INVOICE STATING YOU OWE THEM MONEY. SOMEONE, SOMEWHERE HAS TO PROVIDE PROOF. XXXX   and XXXX responded by sending a dispute update simply stating the account was certified as verified, No additional information to substantiate the reported debt, AGAIN. I sent Debt Recovery Solutions a request for validation as well and have yet to  receive a response by them, that was in XX/XX/2020. It absolutely baffles me that these consumer protectors have very little regard to actually protecting the consumers and that XXXX and XXXX   blatantly and repeatedly violate regulations set forth by the FCRA. Besides the violations and possible fraudulent misrepresentation from XXXX mentioned above, XXXX is reporting the account information incorrectly anyways. At what point will XXXX be held accountable for their violations and the destruction they continue to do to my credit with such erroneous reporting? The inaccurate reporting by XXXX and XXXX is preventing me, a single mother with a single income household, from obtaining credit and has directly caused me to be unable to purchase a home for my children and myself. When is it that XXXX  will be held accountable for their negligent and Fraudulent activity? I have contacted lawyers and there are several offers for representation specifically due to the repeated, multiple violations in their reporting and their negligence in correcting their errors and continuing to cause damage after being informed ( multiple times ) of the errors in which they are reporting.
Consumer complaint received 2020-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

A company named Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX has filed a collection for {$220.00} against my name claiming they are collecting on behalf of XXXX XXXX XXXX XXXX. The charge they claim is for XX/XX/2020. I contacted XXXX XXXX XXXX  directly and they have no knowledge of any debt I owe them. Besides, all my XXXX bills are paid directly via auto pay linked to my debit card or bank account. This includes the XXXX XXXX  component as well as 4 wireless lines. I do not have any other accounts with XXXX. I am enclosing a chat transcript with XXXX  and screen shots of my bill pay history for all my XXXX  accounts. 

I also researched on XXXX  and other websites that there have been over 530 complaints against Sequium Asset solutions https : XXXX I believe this company is a fraud and they are trying to scam people. Such people need to be shut down and criminally investigated. 

I tried to resolve this with XXXX but they said they investigated the dispute and believe the account is indeed mine - which is completely baseless unless my identity was stolen.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XXXX XX/XX/2020, I used the XXXX site to try to access my Equifax report. The challenge questions presented by Equifax in that process were all completely unfamiliar to me, as if someone else 's information had by comingled with my file. The Equifax site concluded by telling me I had to file by mail. 

On XXXX XXXX, I downloaded the Equifax form, and filed it, along with the required supporting documentation, by mail. 

On XXXX XXXX, I received a letter from Equifax demanding " additional information '' before they would fulfill my request for the report. The additional information requested was only that information that accompanied my filing of XXXX XXXX. 

Nevertheless, on XXXX XXXX, I sent a letter along with the requested additional ( duplicate ) information. I have had no acknowledgement or response from Equifax since. 

The same thing happened to me last year when I tried to get my report from Equifax. CFPB was able to help me on that occasion ; I am hoping you can help me again.
Consumer complaint received 2020-10-04
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. (OH)

There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX.
Consumer complaint received 2020-09-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (ME)

This entire process has taken over 90 days. The buyer of my current home and I both are using Freedom Mortgage. Our loan has been given a clear to close but the buyer of our current home is receiving no updates has to why his mortgage is stuck in underwriting. This is creating a dilemma for us because our seller does not want to sign another extension. I spent hours on the phone being bounced around between departments because no one could give us answers. My problem with this whole process is that its been 90 days and they should had all this paperwork looked through and done before the last week of closing. I will give it to Freedom that my buyers employer messed up paperwork but that shouldnt have held up the closing for a week and especially with no updates. I hope to resolve this but I am not confident that it will be in a timely manner and we might lose our future home, along with inspection costs, appraisal costs, and may be taken to small claims court by the seller.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

Vacation to XXXX was purchased through XXXX in XXXX of this year for traveling XX/XX/XXXX - XXXX. Travel was restricted to XXXX due to the pandemic. I tried to reschedule the flights and resort stay to later in the year working directly with the resort and airline. I also tried working with XXXX, they responded once and then went dark. It turned out that XXXX did not pay the resort or airlines even though I was only a few days away from the scheduled travel dates. 
XXXX has closed up shop and cheated many people out of their vacations / money. 
I have filed a police report with the city in FL is which they are / were located. 
I have disputed the charge through Chase and XXXX XXXX XXXX, both have denied my claim. 
XXXX XXXX website and phones are non-responsive. 
I paid the credit card company for services that I ended up not receiving and the final vendors did not receive payment, otherwise I could have rescheduled the flights and hotel stay. 
There is even a XXXX page 'scammed by XXXX XXXX XXXX 
I have attached relevant emails and the police report.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I took out a loan from XXXX XXXX XXXX ( a well known lender ) for {$5000.00} to pay unexpected expenses and deposited it to my USAA checking account on XX/XX/20 ; and USAA put it on hold as a Fraud alert the next day causing my account to go into the negative for {$2900.00}. USAA 's executive support team stated after XXXX days of trying to find out what happened that their fraud team stated no reason at all for placing my deposit from XXXX XXXX XXXX on hold for the purposes of fraud. 

On XX/XX/20 the {$5000.00} balance was made available and I started paying bills. The very next day, they placed my account on a fraud alert and spiraled my account balance into the negative for {$2900.00}. 

USAA is also currently constantly attempting to charge my USAA credit card for my checking account negative balance that they themselves caused with again, no reason noted in my account according to their staff.
Consumer complaint received 2020-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

In CFPB report # XXXX ; Convergent Outsourcing made the following Statement '' " Convergent Outsourcing has ceased collection activity on behalf of this account. We will request that our this account be removed from the credit bureaus information for. A copy of your complaint will be forwarded to our client for further review. We do not own this account and therefore we can not guarantee resolution. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department by Email at # XXXX should you require further assistance. Kind regards, Compliance Representative at Convergent Outsourcing , Inc. '' Convergent Outsourcing has failed meet their expectation of providing " a fraud packet '' ; in addition we will also mail you documents obtained from Eversource validating the balance that they state is owed ; Convergent Outsourcing has ceased collection activity on behalf of this account. We will request that our information for this account be removed from the credit bureaus. '' Furthermore, Convergent Outsourcing violated 809. Validation of debts by failing to provide a notice of debtin a timely manner prior to the closing of the card. By self admission, Convergent Outsourcing failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such.
Consumer complaint received 2020-08-10
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: Phoenix Financial Services LLC (TX)

I have a loan with XXXX/XXXX, XXXX/XXXX XXXX, and PHNX FINAN ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX XXXX, and PHNX FINAN ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  has two collection items on my credit report that are incorrect. Both are from XXXX XXXX XXXX of So California of XXXX XXXX. Both are medical claims, one is for {$160.00} which can not be identified, and the other is for {$1700.00} which is a claim to XXXX XXXX of California. The claim to XXXX XXXX has been paid probably in XX/XX/2020, this information comes from the FRAUD department of XXXX XXXX, XXXX  has committed additional FRAUD by including these items on my credit report.
Consumer complaint received 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Please review my complaint sent to XXXX  and email not stating it was not refunable AmeriSave Mortgage Corp. in XXXX, GA. told us a {$500.00} application fee was necessary to start. After payment was made we were informed that it was not refundable.
Consumer complaint received 2020-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

This company has reported an account on my credit report as a collections account that I need validation on. If not, I demand that they be removed from my credit reports. I need the following information to be sent for this account that they have submitted to all 3 credit bureaus. I do not have full information on them, as I am only aware of the information that is currently shown on my credit report. Account : Account # XXXX Alleged balance : {$460.00} Date Opened : XX/XX/2020 Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
Consumer complaint received 2020-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On or about XX/XX/2020 I went to Citizen Bank to open a savings and checking account from a mailing I received to get up to {$600.00}. Open a checking account get {$300.00} if left in for 60 days with a deposit of {$500.00} or more. Getting additional {$200.00}  if you open a savings account for minimum XXXX and leave it in the account for 3 months. Plus get additional {$100.00} if you do both. According to the terms this money has to be left on deposit until  XX/XX/XXXX. After numerous attempts to get the money out the {$600.00} was never deposited to my account. After numerous trips to the bank a car was made to corporate by the branch. I was informed then that I did not qualify for the offer because I had a checking account within a certain amount of time. My problem is they could have told me that at that time and I could have kept my money and we didn't have a problem. But if you're going to take my money for the promotion and keep it for the time specified then you should pay me the {$600.00}. Branch manager XXXX XXXX was tremendous help but not the right solution I was looking for. When I did the same thing with XXXX XXXX XXXX  they told me right then and there that I didn't qualify. Citizen could have done the same thing instead of taking my money. The promotional code for this offer was XXXX
Consumer complaint received 2020-08-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO (VA)

Since at least XX/XX/2020, l have being trying to close my account & get my money from Banco Popular in XXXX XXXX. XXXX XXXX in XXXX is aware and my account is now closed I have not received my money yet, but they keep taking fees for inactive account.
Consumer complaint received 2020-08-10
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

Experian is listing a bankruptcy on my report. I have disputed it a couple of times and they say that it has been verified by the company. I received a letter from Experian stating that they verified it with a third party. Per the FCRA, they are required to verify the debt with the original creditor ( in this case the bankruptcy court ) not a third party. Per the government website regarding bankruptcy courts reporting bankruptcies ( XXXX XXXX XXXX ), " The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. '' Therefore, the bankruptcy should be removed from my credit report since Experian can not verify it with the original creditor.
Consumer complaint received 2020-10-04
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: CAPITAL ONE FINANCIAL CORPORATION ()

In Mid-XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my XXXX since 2015 when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my credit score to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in XXXX like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since 2015, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.