davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
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 have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to XXXX and XXXX, as well as, XXXX is also reporting falsely. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

I have attempted to dispute inaccurate items on my credit report. I have provided sufficient evidence showing that the item is fraud. 
1. Synchrony Bank- submitted documents proving fraud occurred 2. XXXX- was never given the option to dispute purchase. XXXX did not allow me to dispute
Consumer complaint received 2021-12-21
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. (CA)

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX XXXX 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, Equifax, XXXX, and XXXX Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

Who did XXXX, Equifax, and XXXX interview and can the provide the interviews with neighbors, friends, or associates of the consumer reported on? 

DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXY ) PREFERRED CREDITOR The accuracy and integrity of these reported accounts are misleading and inaccurate.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

FTC IDENTITY THEFT REPORT # XXXX This is not proof that I owe this debt. This is result of identity theft. You can not provide proof or evidence that I in fact owe this debt. Providing statements and a contract without my signature is not proof that I owe this debt. I do not acknowledge this debt and I will not pay this debt. Attempting to collect on a debt that is expired is only proof of your company trying to hurt my consumer report intentionally with derogatory information. I have admitted this debt is not mine and that the burden of proof lies on your company. I have not acknowledged nor will I pay this debt. You will not receive monies from me for a debt I do not owe or obligated to pay per statute of limitations in NY. So any further collection attempts is only further proof of my previous claim. This is defamation of character. Where is the proof that I opened this account and owe this debt? DELETE THIS INFORMATION immediately MIDLAND CREDIT XXXX {$620.00}
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

I want fraudulent account deleted from my credit report immediately. This account along with other accounts have been reported/disputed numerous times and my rights under the FCRA are being violated. I am a victim of identity theft and I have provided all necessary paperwork including id theft reports from required government entities, and I have also provided all necessary identification documents. Delete immediately and provide written proof of deletion as well. I will be filing civil lawsuit against all entities involved including the original creditor, the collection agency who purchased the illegal debt, and all the credit bureaus who publish this illegal debt.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (TX)

I have attempted to dispute inaccurate items on my credit report. I have provided sufficient evidence showing that the item is fraud. 
XXXX. XXXX XXXX submitted documents proving fraud occurred 2. Affirm- was never given the option to dispute purchase. Affirm did not allow me to dispute
Consumer complaint received 2021-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Ascendium Education Group (RI)

Keep getting phone calls from the following numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Callers state they are contacting about student loan services and each time I have asked the name of the company they represent but won't give me any further info. I have asked to be removed from their call list ( s ).
Consumer complaint received 2019-09-09
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: Pendrick Capital Partners Holding, LLC (KS)

Pendrick Capital Partners # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

We closed on our refi mortgage on XX/XX/XXXX. {$740.00} was included in closing to pay our county property tax. On XX/XX/XXXX, I discovered the property tax had already been paid by our previous mortgage company. I contacted a contact at Chase right away with the information but never received a reply. I emailed again on XX/XX/XXXX with no response. I sent messages through Chase 's secure message site on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told to contact our county Trustee. He stated the refund had already been sent to 3rd party XXXX. I was told on XX/XX/XXXX by Chase employee XXXX that when Chase received the refund they could apply it to our first payment. On XX/XX/XXXX our county Trustee was told by XXXX that Chase would be issued our refund by XX/XX/XXXX. On XX/XX/XXXX XXXX told XXXX XXXX that Chase had received the refund. We reached out to Chase again via 3 different contacts on XX/XX/XXXX. We received one message back on XX/XX/XXXX that the refund would show on our account at Chase by XX/XX/XXXX. I contacted Chase on XX/XX/XXXX because the {$740.00} was not showing on our account. I was told by XXXX XXXX that Chase didn't have the refund at all and I should call the county trustee. On XX/XX/XXXX the county trustee was notified and checked again with his contact. On XX/XX/XXXX I spoke with Chase " executive '' XXXX XXXX. She told us Chase did not have and we needed to speak to the county trustee. We told her we did. She stated she would need 14 days for the tax department to review the refund. We asked why they didn't do that back when in XXXX. She told us that a discount credit we received ( like a coupon ) on closing might have affected it. We told her that was separate as that was a coupon for being a XXXX XXXX for closing costs. She told us she wasn't even sure we were due a refund but all she could tell us was it would take Chase 14 business days to review it. She also stated multiple times we were never told Chase had the refund even though we were. We went through 3 different contacts during the closing process as employees were always out of the office. We have had a different response from a different Chase employee every single message. We went through 2 different employees in the executive office due to people being out of office. This is an issue that has been pushed from employee to employee and we are the ones who are suffering and wasting an enormous amount of money on an oversight that shouldn't have occured before closing. Due to this interaction as well as some other " oversights '' during the loan process, we would NEVER recommend Chase to anyone.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

I bought a home XXXX XXXX XXXX XXXX XXXX Illinois. I was flooded and destroyed. Pipes were broken and the home was vandalized. Police was notified by XXXX a day after the flooding happened because the neighborhood told me water was coming into their house from mines days before. A faulty XXXX  system was to blame obviously. Why should I have to pay for that?
Consumer complaint received 2021-12-21
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. (PA)

This is XXXX 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 date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America -- -- -- -- - XXXX XXXX XXXX ext XXXX called 20-25 times I called her back wrong account as we..! I have been paying though. because of credit. Received papers in mail From Bank of America, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, I found two Financial places before that takes up to a MONTH! but they said it was settled -- and sent me a new card before that! never used it, nor would it. Going on since XX/XX/XXXX. This is very very stressful. I have contacted All credit bureau 's everywhere.. Customer since XXXX! Also have another from XXXX XXXX! returned merchandise to XXXX, And been paying. XXXX blames XXXX- and vice versa, I made payments I did not need too. The three bureaus have me owing them -- -- -- -- -- {$140.00}. Called and they said, XXXX -- -- -- -- - okay so what?
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX 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 TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am writing to complain about several unauthorized inquiries on my TransUnion report. I sent an FTC in XXXX and they have yet to remove this inquiry from my credit profile. I have been more than patient and have sent over 6 rounds of dispute letters. Isn't it illegal to ignore a consumer 's request? I have also reached out to the lenders and they advised me to contact all three credit Bureaus which I did. Transunion is the only one that has ignored my request. I have attached FTC for records
Consumer complaint received 2023-01-20
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I was getting fee after fee some of my statements back then had like three or four fees on them for the same thing. The account became so unmanageable I closed it first chance I got. Which took a while cause I was in the negative because of fees.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

A fraudulent transaction was made from XXXX for {$1500.00} that was withdrawn from my checking account on XX/XX/XXXX. I received a call from 'Citibank XXXX inquiring if I authorized payment of {$1500.00} to be transferred to someone in XXXX XXXX I replied 'no ' ; I did not authorize any such transaction. They proceeded to ask me to verify my information and open my online banking app on my phone. 

I grew suspicious and told them I did not authorize any transaction, nor did I ever use XXXX and that I would go to the bank to handle the inquiry. 

I went to the bank and we closed out my account and stopped my debit card. The bank manager tried to get information on the fraudulent activity, but we could not reach anyone who could help us. We stopped transactions on my accounts. 

I have yet to receive resolution from Citibank as they claim I authorized the transaction. I have requested information on their investigation and have never received any information on the investigation. I have attempted to call XXXX, but they will not speak with individuals, only people from the Bank. I have never used XXXX and am a CitiXXXX customer for over 30 years.
Consumer complaint received 2019-11-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resolve Partners, LLC (NC)

Wednesday, XX/XX/XXXX, On Wednesday XX/XX/2019 a calls came to my job from Resolve Partners , LLC due to alleged negligent account, which resulted in conversation with my superior telling me no personal calls on the production floor. In speaking with several representatives ( XXXX. & XXXX XXXX, Collections supervisor @ XXXX ), I found not only were they combative, After multiple times being placed on hold, It is clear that Resolve Partners , LLC has never been held accountable for the impact of employee error on customers, misleading credit reporting, unethical collecting and deceptive practices. In fact, on the call i demand a supervisor name and XXXX XXXX provide Business overall Manager XXXX XXXX XXXX XXXX representative failed to issue a mandatory stop calling work place on XX/XX/XXXX, they called back into the office.The abuse of practice is a direct violation of the FDCPA Regulations Therefore, this is a formal complaint to make notice of the following : employee negligence, misleading credit reporting, unethical collecting and deceptive business practices. 

Due to the harassing calls made by Resolve Partners my livelihood has been drastically impacted and it is my hope that your compliance with this request is swift and efficient according to the statutes of the FCRA. 


Your time and attention to this matter is greatly appreciated. 

Regards,
Consumer complaint received 2021-12-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors because i know it is my right!
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (VA)

Credit report shows a collection with a " XXXX XXXX  '' ( a collections company? ) allegedly related to an account with " XXXX XXXX ''. If that was a " store account '', then it is bogus as we have only opened one store accounts in the last 10-20 years ( XXXX, an account used once then closed in good standing, about 2016 ). When I disputed this entry on the report, Experian almost immediately declared it " Verified ''. I have no idea what procedure they used to verify, maybe just asked the alleged creditor? 

It is bogus and I want it off.
Consumer complaint received 2021-12-21
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. (PA)

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 date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (SD)

On XX/XX/21 I purchased and exam using my debit card. Well that exam was canceled and merchant stated they sent refund. Well refund never posted. On XX/XX/21 I filed a dispute with the bank. I sent them the email from merchant regarding refund. I was told by bank that it can take 10-45 days for dispute claims. Well ten business days has passed and still no credit to my account. I have sent several emails to the disputes department regarding claim with no response. I have also communicated with customer service who stated they will send follow up email to disputes department for an update and still nothing. I spoke with 12 people to try and get this resolved. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I obtained the XXXX card because they allowed your rewards to be used to buy Crypto, then they said I needed to enable the feature on the app and submit documents to verify my ID- I did that - they asked that I wait 2-3 business days. I waited 5, XXXX  then escalated the issue and asked that I wait 10 business days - I did that. Now they say that they don't know why the feature is not working and there is nothing they can do about it. Now, I asked them to close the account and they are giving me the run around saying I need to contact a third-party bank?! 

I want the account closed and I intend to sue in small claims.