davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

In the process of using XXXX with Chase Bank App to pay AC replacement known recipient of {$1800.00} the system glitch had added a new and unknown recipient with just the phone # only. According to chase fraud claim that they are investing and they are saying that someone had to login under my name or password to have processed the XXXX transaction but did not recognize or acknowledge that a glitch in their system had caused the recipients to change. Specifically to a unknown phone #, it seems that chase claims is covering a known issue and covered by prompt responses from the fraud rep. As a assistant manager for mortgage servicing that has dealt with fraud of unknown items it seems chase fraud is trying to assume the situation and covering up the faulty chase bank app.
Consumer complaint received 2021-04-05
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-05
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX  XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MI)

On XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX, XXXX app and XXXX. Upon further research this account is not accurate on the amount that is said that I owe. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have called about an account that has not been updated to my file. My wife has put me on her credit card as an authorized user 2 months ago and Experian is the only agency that has not updated my file with her credit card. I called into Experian and the representative advised me to call XXXX XXXX XXXX in which I did so I called XXXX XXXX XXXX and they have reported it to all 3 credit reporting agencies but Experian still has not updated my file and it has been 2 months.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

this company is reporting to two credit bureaus ( XXXX and XXXX  ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Consumer complaint received 2023-05-22
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. (MI)

accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX acct # XXXXXXXX XXXX XXXX
Consumer complaint received 2021-04-06
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. (CT)

I've been using XXXX XXXX to work on bringing my credit score back up after significant medical bills, decreased wages and divorce. 

What should have been a simple correction on XXXX XXXX XXXX part, by them contacting Transunion to get them to bring my information up to date on my car loan has turned into a nightmare with me going around in circles with different representatives at Transunion who have told me everything from : 1. " it ( the loan ) doesn't belong to you ''. 
2. " XXXX XXXX deleted it when I disputed the balance ''. 
3. " Hold on and I'll forward your call to our 'Specialized Team ' to assist you '', then the phone disconnects. 
4. " your account has been suppressed ''. 

XXXX XXXX made it clear that it was Transunion who should make the correction not XXXX XXXX. 

It's definitely my loan, I still have another couple of years to pay it off best case scenario. All they had to do was correct the incorrect balance amount that they had on file that was making my score lower than it should have been. 

My score has now dipped 17 points because of this error! 

When I tried to fix it myself online the system refused to let me in and I got repeated error messages. 

It makes absolutely no sense why XXXX XXXX would delete the information with Transunion when XXXX XXXX is currently reporting the correct information to XXXX. 

I believe Transunion is the one who deleted the information in error and instead of apologizing for their error and fixing it they've taken this inhospitable strange stance. 

Please help!
Consumer complaint received 2021-04-05
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: R & B Corporation of Virginia (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) XXXX The letters were sent to both the credit reporting agencies and the collections agencies. informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. These medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

Both XXXX & XXXX deleted it from my credit report but XXXX failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Transunion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX )
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I was a customer of United Wholesale Mortgage. My home loan number is XXXX. This loan was paid off on XX/XX/2021. I am owed a refund for my XXXX payment in the amount of more than {$2100.00}. UWM keeps telling me the money is coming, but I have not received it. It has now been more than a month. Why are they allowed to hold on to my refund?
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

I hired an attorney to help me after my mortgage servicer, Carrington Mortgage, denied me for assistance in saving my home. I fell behind due to XXXX XXXX. My attorney says they emailed the servicer and faxed a 3rd party authorization and now Carrington Mortgage is telling my attorney it takes 30 days for their authorization to show up in their system. This is just more games Carrington is playing. My attorney says 30 days is not consistent with what is reasonable. RESPA Regulation requires servicers to respond to requests for assistance in a timely manner. Blocking out my attorney from simply speaking to them is a form of evading my request for assistance.
Consumer complaint received 2021-04-05
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : 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 2021-04-05
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. (NY)

I have made a previous CFPB complaint about two accounts that are reporting with erroneous information and the issues have not been resolved. The information is still reporting on my credit report inaccurately and it has been causing me issues with obtaining credit. 

There are still inaccurate account information for two account on my credit report which are XXXX XXXX and XXXX credit card. 

On XX/XX/XXXX and XX/XX/XXXX I wrote XXXX, XXXX and Transunion to notify them that the XXXX account was reporting inaccurate late payments. They each are also reporting different months for the same late payment. I also contacted XXXX directly on XX/XX/XXXX and they didn't respond to my verification request. After I contacted them the three bureaus continued to report 3 different late payments dates on this account. They also are reporting the incorrect date of last activity on this account. All three bureaus have a different date of last activity. 


On XX/XX/XXXX and XX/XX/XXXX I also wrote XXXX, XXXX and Transunion to notify them of the inaccuracies on the XXXX  account was well. The date of last activity is also reporting inaccurate. I wrote XXXX on XX/XX/XXXX to verify the date on the account and I didnt receive a response. All three bureaus have a different date of last activity. 

If the XXXX, Transunion and XXXX are getting the same information from the same creditor, then the information should be the same across all three bureaus According to the FCRA, I have a write as a consumer to ensure that all of the information that is reporting on my credit report is 100 % accurate. These inaccuracies are violating my rights. 

Nothing was rectified on my credit report by XXXX, XXXX, Transunion, XXXX XXXX or XXXX credit card. 

I have also attached a copy of each of these accounts as they are reporting on my credit report
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I opened a Capital One 360 checking account under their promotion where I deposited {$1000.00} into the account within 60 days and they would give me {$400.00}. No where on the terms state that I must initiate the transfer from my outside bank TO them, just that the funds needed to be an ACH from an outside institution TO Capital One which total {$1000.00}. I did this, I initiated two {$500.00} transactions from my XXXX XXXX account To Capital One. I called to ask them why I did not see the promotion deposited. They claim I did not meet the terms of INITIATING the transfer from an outside bank to them, and send me the terms which I already had a copy of. I explained to them that when I had assistance from their rep opening the account, i could do a transfer fmoney between XXXX, XXXX, XXXX, an outside bank, or direct deposit and all of those would count as a deposit as long as it was an ACH and the total was {$1000.00} in 60 days. They did not state the transfer MUST be initiated from the outside source, just that the funds must come from the outside source to qualify. 
There terms were not clear and did not include this, now they are trying to withhold the {$400.00} bonus for opening an account with them although I met all other requirements according to them, but because I did not initiate the transfer from my outside institution to them they are withholding the bonus.
Consumer complaint received 2021-04-05
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. (FL)

Hello, I am very stressed out because Transunion reports wrong information in my credit profile. How that possible? This account is not mine and why I should have it? It ruins my life completely, so could you please investigate why Transunion reports wrong information and also I file Identity theft as I assume I am a victim of identity theft. 
Thank you!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (GA)

On XX/XX/XXXX, I called XXXX XXXX XXXX at XXXX about a notice I received from Amsher Collection Services , Inc XXXX. The notice from the collections agency claims I owe a balance for service provided by XXXX in XX/XX/XXXX, last year. I have never once received a bill from XXXX for that service, so I was not aware that anything was owed until I received the collections agency notice. When I called XXXX they claim they sent two invoices, one in XX/XX/XXXX and a second in XX/XX/XXXX and have taken no other action to contact me since. I informed them I had NEVER received the invoices and had they called me once, emailed me once, or texted me once to make sure I received the invoice I would have handled the matter immediately. The balance owed is less than {$30.00}, so this compliant isn't because of the amount, it is the poor practice that resulted in this error, and I find it harmful that a company is allowed to send something to a collections agency without truly ensuring the party was fully aware of the balance owed. Sending something through the USPS doesn't guarantee it reaches the proper party as I have had mail stolen out of my mailbox, delivered to the wrong home, etc. So, for a company to assume two mailings made it to the proper person they aren't doing their due diligence, especially in this day and age. For a company to directly state it will not call or email its clients to ensure they have received an invoice, is absurd and poor business practice. I want to make sure my credit report was not impacted by their horrible corporate practices. Furthermore, for the collections agency to take on this balance without verifying appropriate effort was made to reach me directly makes them compliant in the poor business practice by XXXX.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (HI)

Hello, I have been dealing with Gemini Trust Company LLC since XX/XX/2021. They run the app Gemini. It promises easy and secure buying, holding, & selling of various crypto currency 's. So far i have only seen that they are good at TAKING & HOLDING YOUR MONEY. It is extremely easy to set up your debit card/bank account. They will TAKE your money within seconds. But even after 3 months of trying to verify my card/bank ( that did work for depositing funds ) I have been unable to get back my money in any form USD or crypto. I have tried multiple accounts to transfer it out to. They say all are invalid. I have tried to email them 4-6 times over the past few months, they only automatic responded twice after that they just stopped responding to all my messages. I have invested {$110.00} into the account & have provided all the transaction proof in the documents, Along with one picture showing proof that they are saying a valid address is invalid, I have provided a buying order to show that they have taken money from me, & I provided one of there automated messages. Please help me I don't know what else to do at this point i hope I have provided enough information.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was charged interested on a balance that they setup for me a day after my new billing cycle. They refused to waive the fee. I talked to the manager XXXX and XXXX said she was the only person that I could talk to and that's it high up in management and she's the only person that can fix it but at the end of the day she said she's not waiving the fees because it was the payment arrangement was set for the day after so I have to pay the interest on it and she couldn't she refused to waive the the answers that was charged on the balance that was already sets to be paid for.
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

We entered into a forbearance plan last year that SPS was offering due to covid. We made some payments during the plan but owe XXXX dollars. We applied for help in XXXX of this year and submitted all the documents they requested. On XX/XX/XXXX we recieved a letter of denial for all there programs. I'm not sure what to do now. I was under the understanding they were going to help people at the end of the forbearance to get back on track. What is the purpose if your expecting full payment of all money at the end of a forbearance. How is this helpful. I thought this was helpful of the company, but in the end I could lose my home of almost 24 years. You can't speak to anyone in authority. I've asked for a supervisor or manager while going through this process and was told they were looking at the paperwork but I never spoke to anyone other than the people that answer the phones. They just say they don't make the decisions. Please help me figure this out. I don't want to lose my home. I could try to make a larger then normal payment but I don't know if it would help in the end.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I XXXX XXXX, sent letters with no third-party involvement regarding inaccurate and unknown things on my credit report. I sent out letters in XXXX which has now been will over 60 days now and there's still no response. I feel like I am being taken advantage of and being ignored of my disputes. I've been patient on a response and now I demand these items be deleted immediately. My information was impacted by the XXXX  data breach as well.