davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

This company Resurgent capital servicesXXXX LVNV Funding LLC is trying to Rip me off or Scam me with a debt that is not mine... 

I also requested the receipt of the bought of this account and they REFUSE and are hiding to show me this receipt .... Meanwhile XXXX Bank, Member FDIC send me a receipt that shows Resurgent capital services/ LVNV Funding LLC XXXX way less money for this account and are trying to rip me of or the owner person that owns this account with a higher amount... 

Also check the address on the statement they are providing to me person ( see Attachment ), I had never in my life lives in XXXX XXXX nor in XXXX XXXX ( NEBRASKA ).. They can not even provide a ZIP CODE .... 

BY NOW ITS SHOWS CLEARLY THEY HAVE MIX UP A DIFFERENT PERSON WITH MY NAME AND ARE NOT WILLING TO PROVIDE THE ACTUAL PROOF THATS SHOWS THAT INDEED THEY BOUGH AND THEY OWN THIS ACCOUNT... 

BTW WHERE IS THE SIGNED CONTRACT BETWEEN MY PERSON AND Resurgent capital services/ LVNV Funding LLC THAT SHOWS AND PROOF THAT I HAVE AGREED ANY BUSSINES WITH Resurgent capital services/ LVNV Funding LLC XXXX XXXX? 

BE AWARE PEOPLE THIS COMPANY UNDER THE NAME OF Resurgent capital services/ LVNV Funding LLC ARE SCAMMER THAT TRY TO RIP YOUR MONEY OF
Consumer complaint received 2023-07-10
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: WELLS FARGO & COMPANY (GA)

I did a dispute online with XXXX and a chat representative and I explained that the Wells Fargo account is reporting past the seven years and is impacting my score and financial means of getting credit cards and loans.Wells Fargo sent me a lien release and a title to confirm this account should not be reporting on my credit.XXXX  XXXX did a quick investigation and still let this negative account stay on my credit profile and refuse to remove it.So I need this resolved so it does not continue to impact my life severely and Wells Fargo should corporate and this was removed from my XXXX profile and now I am go through all the credit bureaus to make sure this is resolved and removed from my credit profile.Wellsfargo shouldve taken care this with the credit bureaus and they informed me that they would which is not true.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was intimated by XXXX that my credit score was downgraded 27 points. This was in the same month that I have successfully paid off my mortgage without a single delinquency. I called all three credit bureaus to no success, no one could tell me why and from where the deliquency was reported. 

I called FICO who charged me {$59.00} just to see my report which they said they couldnt comment on till they saw it. They have promised to reverse the charges but I dont have that just yet. All this was on XX/XX/XXXX and XX/XX/XXXX. 

I finally found out that a delinquency already reported in 2017 was again reported this month thereby dropping my score by 27 points. This is extreme carelessness and this is on a account that is CLOSED. 

Everyone is making me run around in circles to figure out who will fix this. XXXX that originally started this drama over {$8.00}, wont talk to me because the account is closed.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I had an unauthorized transaction in the amount of {$910.00}. And have filed a dispute. My dispute was denied by chime and this is not the first time i have had this problem. Since i have had this acct 2 plus years this is the XXXX or XXXX time i have had to file a dispute and have been denied even though i did not make or authorize any of these transactions. They also never accept my check deposits. I have tried to get my money back from chime but have been denied. I worked hard for this money just to have someone steal it and my bank wont do anything to help me. I just want my money back.
Consumer complaint received 2017-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I Applied for Business Bank Account through Capital One, XXXX, And was declined because of the following One or more applicants, account holders or beneficiaries has past or present civil or criminal charges. When is a bank required to do a Criminal Background before a Business Account can be issued?
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (FL)

I received an email stating I have an hard inquiry with Barclays Bank Delaware. I never applied for that nor have I ever heard of them as well. It says the date was XX/XX/. This was done without my consent I had no knowledge until checking my email and credit report.
Consumer complaint received 2022-11-16
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. (TX)

What step were taken in the reinvestigation process. Please provide because On previous complaint # XXXX Transunion continue to avoid their obligation to conduct a thorough investigation on the inaccuracy of my consumer report. This complaint was closed on XX/XX/2022 with the explanation of needed additional information however I did receive this letter dated XX/XX/2022. But I also received XXXX additional correspondence dated XX/XX/2022 reinserted XXXX XXXX to my consumer report and another letter reinserted XXXX XXXX XXXX XXXX to my file. They are circumventing the CFPB portal to cause harm to me and my family well being. The closing Feedback from Transunion is completed FALSE!!!! For indirect disputes filed with CRCs, the FCRA requires that, upon receiving notice of the dispute from the CRC, the furnisher must conduct an investigation with respect to the disputed information and review all relevant information provided by the CRC. 20F 21 The standard for investigation of indirect disputes is, like direct disputes, that the furnishers investigation must be reasonable. 21F 22 Examiners found one or more furnishers violated these provisions when the furnishers responded to CRC notices of disputes without verifying the accuracy of the disputed information but instead with instructions to the CRC that the consumer should contact the furnisher directly and that the disputed information should not be deleted. In response to these findings, one or more furnishers are developing dispute handling policies and procedures to ensure the investigation of disputes is in accordance with the requirements of the FCRA
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

While on a flight back from Hawaii. XXXX XXXX promoted a promotion on the airplane if you get approved for a credit card you woul receive points enough for a round trip. Those points where never applied to the account they also advertised 50 % off a companion ticket and they also did not apply that. I have spoken to countless representatives and they have not applied the points or discount. This company was misleading at the time of offer. Please see attatched advertised pamphlet that they handed out in flight.
Consumer complaint received 2021-12-29
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: AMERICAN EXPRESS COMPANY (IL)

During her employment at my office, my manager used my business AMEX card for personal purchases without my permission. These purchases occurred over a period of 6 months and amounted to {$25000.00}. I've called AMEX over 2 dozen times and they claim I'm responsible for these charges since she had permission to use this credit card. 
I never gave her permission to use this card. She added her name to my AMEX account and got her own name on the business AMEX account.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/XXXX : notified XXXX someone had used my ID to try and open 2 credit cards at BankofAmerica XX/XX/XXXX. Placed fraud alert on all 3 major companies. XX/XX/XXXX same person tried another card in my name same place BankofAmerica. XXXX Let Them Have the Credit Report!!! No record of my fraud alert, I could find no dispute of hard inquiry by BankofAmerica on XX/XX/XXXX. Had also requested dispute of that inquiry. It is not on dispute. It gets worse. 
Today called XXXX, XX/XX/XXXX. Tried to plave a free freeze, system hung up on me when giving me pin number. Called back 14 times, could npt get a person, nor could I confirm the freeze was put on. I had to pay XXXX a month to freeze my XXXX credit! They are crooks, extorting this money out of me, or let them issue reports and credit to whomever has my information! 
Bank of America I called them XX/XX/XXXX, they said they would be investigating this and making alerts, but, again, same people tried to pull credit on my name again XX/XX/XXXX, how could they let this go through?! 
I need : both XXXX XXXX Bank of America Taken Off/discarded XXXX XXXX back to where it was before these inquiries A record in writing on paper of the existing fraud alert, the pin number of there was an actual freeze by me by phone today and refund of all monies I must pay to keep my credit info safe ( blood money ) until a proper free freeze with me having gotten the PIN NUMBER to my freeze so I can unfreeze when I need to change phone companies. 
THank you!
Consumer complaint received 2023-03-07
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)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (FL)

I closed on my house on the XXXX XXXX and had a settlement statement shown paid to Selene Finance. After numerous attempts to have them report this to my credit they have not. 

Throughout the loan which the purchased from XXXX they added amounts even up to to {$190.00} late to payment on the final amount. 

They are draconian and should be reprimanded. 

They have invalid late payments on my record also. 

Please have them report paid and closed and remove bad invalid reports.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CO)

I was solicited for a refinance option on my existing mortgage from NewRez LLC and on XX/XX/2020 had completed the application and received acknowledgement of the initial application. To date, I am still waiting to close on this loan. I have provided all necessary documents and signatures as requested. The main purpose of this loan was to remove the PMI insurance on my current FHA loan ( note in excess of {$250000.00} equity on my current loan ), and reduce the term, ( 25 years left on current loan to 20 on the proposed loan ) and finally lowering the percentage. I received a note that there could be delays due to heavy volume but given this loan is on an existing customer of several years and have excellent history on my loan, believe I am being discriminated due to age and I have just been retired by my company.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Multiple requests for investigation into inaccurate reporting to an account listed on my Experian credit file. Experian did not investigate my dispute as promised. Instead, they returned my dispute as " verified '' with nothing being investigated. Experian has also prevented me from disputing this factual inaccurate account online! 

My credit report from Experian reflects a chargeoff for XX/XX/2019 for the account listed below, yet there is no other payment history leading up to this alleged chargeoff. 
There are no reported 30, 60, 90 or 120 day lates leading to the chargeoff that they have inserted into my file. 

I requested several investigations, demanding deletion due to inaccuracy. Experian returned investigations as " verified '' and " updated ''. 

How can a reported chargeoff with no payment history be verified as accurate? I redisputed payment status and Experian again, returned as verified with no proof. ( their " verified '' and " updated '' documents are attached with nothing to support their opinion that the account is verified as accurate ) Furnisher : XXXXXXXX XXXX Acct # XXXX... .. ( partial acct # ) Experian has repeatedly violated my rights by not properly investigating my disputes. 

They have stamped my disputes for this account as " verified '' without examining my report to determine its accuracy. Experian has stated that their " role is to review accuracy and completeness of any disputed item '', but they have ignored my disputes and instead, violated my rights. They have not reviewed my account for accuracy or completeness. 

I am demanding an immediate proper resolution.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IL)

I had an account with XXXX XXXX  with a balance of around {$2500.00}. This past due account was sent to I Q Data where they've updated the account balance to {$6000.00} which is completely absurd and deceptive. 
Not only did I Q Data re-age this account by updating the " date of last activity '' to reflect the date of XX/XX/2022, they also added fees in excess of over {$3000.00}. This company is unethical, unprofessional, and harassing, this causes stress. Due to this inaccuracy, my credit scores have been negatively impacted. I've reached out to this company attempting to resolve this issue but to no avail.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

I received a debt collection letter today ( XX/XX/2023 ) from Convergent Outsourcing ( dated XX/XX/2023 ) that I owe money to XXXX XXXX. I never have had XXXX!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-03-11
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: Convergent Resources, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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Consumer complaint received 2023-03-11
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: ALLY FINANCIAL INC. (IN)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 16668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I called Experian and spoke with a representative named XXXX. After back-and-forth banter I asked for the verification method used to verify my dispute as I am allowed per FCRA XXXX declined and said that Experian does not abide by that. Asked to speak to a supervisor, and was taunted by him, saying. what are you mad you didnt get the answer you wanted after that, I continue to ask for a supervisor after going back-and-forth he finally transferred me to the supervisor the supervisor who picked up the phone call was XXXX. I politely conveyed my concerns and asked for the verification method used to verify my dispute. She then became very irritated and agitated with me and said the same thing XXXX said that Experian does not provide that information. It is my belief that XXXX and XXXX are familiar with each other And spent time on the phone before I was transferred conspiring not to help me after XXXX declined to provide me further information. I notified her that I would be filing a complaint with the CFPB. We disconnected the call and an hour later I received a call it was from XXXX, this time she was polite and ready to help but I believe she was just trying to save face so I didnt name her in this complaint. 
The true issue is there is an account on my credit report from possible financial that is displaying inaccurate information after trying to get this corrected. I was not seriously by experience per FCRA. 1681B. States Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning th individual about whom the relates. Experian did not do this. 
Per my payment history, it shows that there were payments made in XXXX, but the account allegedly was not open until XXXX as it is shown in the document but when I called and spoke to representative the next day, she said the first payment wasnt made until XXXX at this point there is no accuracy or credibility
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX