davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (IL)

I previously purchased tuition education for my son. Due to COVID 19 he is and was unable to utilized these services. I have contacted them MANY MANY MANY times in writing and via telephone that to cancel this, we are not going to be able to utilize this due to the pandemic and the new way they change.d They first gave me provisional credit, now reveresed it. I do not want this educational services. I want a refund to my credit card and be done with this.
Consumer complaint received 2020-03-30
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. (WI)

On XXXX I disputed an inaccurate collection on my credit report by sending Transunion a certified letter. ( see attached ) On XX/XX/20 I received a response stating, " After reviewing your dispute request, we found the information you disputed does not currently appear on your Transunion credit report. ( see attached ) This is clearly not factual because on that same day they sent me a credit report with the exact non-factual item listed on my report collection from XXXX XXXX. ( see attached ) I am asking that you make them stop violating my rights, by lying to me and giving me the run around to get inaccurate information removed from my credit report. Attached you will see the verification of my complaint.
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (GA)

I have not had any personal, mobile, written or otherwise interactions with this company. I feel that my consumer rights have been violated and so has my privacy. My personal information has been flagrantly handled and somehow ended up with this company. I do not own or owe this debt.
Consumer complaint received 2020-03-30
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.
Consumer complaint received 2020-03-30
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

Hello, I reached to Convergent Outsourcing in regard to an account they placed on my credit. I sent them a certified notice. According to my credit they allege the account was formerly with XXXX XXXX. They is no such company in my area only XXXX, XXXX XXXX or XXXX XXXX XXXX. The account is fraud!!! 

They removed the account and added it back on my credit 2 weeks later using a different account number and they changed the dates etc. This is a violation of the fcra and the fdcpa. I have filed a complaint with y attorney general office and the ftc. 

original account number XXXX XXXX  XXXX  {$1300.00} new account number XXXX cox communication {$1300.00}
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: INTERFIRST MORTGAGE COMPANY (CA)

I got my identity stolen n my irs  n XXXX XXXX XXXX XXXX  account s stolen havent filled taxes since XXXXn I been in a XXXX  n have proof of it pls help
Consumer complaint received 2021-10-18
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: ENCORE CAPITAL GROUP INC. (TX)

I have a account on my credit report that I have no knowledge of. It is called Midland credit management. Is the collection agency on my credit. I have disputed this account and told them it's identity fraud and they removed it from XXXX credit but will not remove from XXXX XXXX XXXX. I have reach out and nothing at all from them I have disputed so many times and nothing. but removed from XXXX. And I would like to see pictures of D.L that was use because I know it wasn't me and papers sighned
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HOPE BANCORP, INC. (CA)

Good Afternoon, Due to Corona Virus.XXXX XXXX is come to complete Stop. & Most of XXXX XXXX have notified me they will not be able to pay rent. I asked Bank of Hope for suspending my of my loan payment for 3 months. They are stone walling me and asking me for all kind of document on. This is very unprofessional going against federal guidelines. 

please look into it XXXX XXXX Loan # XXXX Loan # XXXX Loan # XXXX Bank Of Hope XXXX XXXX XXXX., XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2020-03-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (VA)

This was a used auto loan obtained in XX/XX/XXXX with monthly payments of XXXX and a down payment of XXXX dollars. The amount financed XXXX. I paid over XXXX in payments in 50 months and had an accident and total loss of the vehicle and my insurance paid the company another XXXX dollars and they got the totaled vehicle back to repair and sell at auction, and I was told what they sold the car for would be applied to the loan balance still owed. I paid this company a total of about XXXX for a 7-year-old car ( XXXX model ) financed for XXXX in XXXX, and now 5 1/2 years later they are reporting on all 3 of the credit bureaus that this loan was a charged off bad debt of XXXX still owed to them. I'm in shock that loan companies like this one in California are still in existence and trying to get away with fraudulent lender practices in our country with all the laws in place to help protect consumers. I had a XXXX Accord for about 4 1/2 years, that I paid XXXX dollars for that actually cost XXXX and now I have no vehicle and bad credit saying I still owe XXXX on a now 13-year-old car that I don't have.
Consumer complaint received 2021-10-18
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. (DC)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. This has been a huge inconvenience and is causing a lot of burden to my personal financial situation.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

This is a continued complaint. You closed my last one and it didnt tell me anything I didnt know. Im asking what was forged? If it was a fake check why on earth would it take 3 months to figure out that the check was not real. It can not be the signature because that is XXXX signature and 2 Capital One employees told me that there was no question that that was here Signature. They compared it with her signature on file and said it was hers. Even tried to get my case overturned. And my dispute with XXXX has been settled on XX/XX/2024. So now I really feel attacked and treated unfairly when I am a victim in all this. I was scammed by XXXX who scammed the bank. And they fell for her scamming. I dont understand why Im being treated so poorly. The police are helping me and are going to make sure she is charged for this. Because they went through all my evidence and they see I was a victim of a crime. And their confused why Capital One is treating me so poorly.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/21, Coinbase closed my account. It was immediately after I added an additional bank account that I have used in other exchanges without issue from a federal savings bank. Coinbase refused to give me any reasoning for the closure. 

My account is under my email : XXXX When I tried to login through their coinbase.com or the Coinbase XXXX site, both redirected me to a landing page to remove remaining funds from my account. The remaining funds listed were those remaining in my Coinbase account. However, what were missing were the funds that were in my Coinbase XXXX account. 

After repeated phone calls, and opening a support ticket, there have been absolutely no responses. They are holding my funds hostage that were on my Coinbase XXXX  account. Coinbase Case # XXXX submitted XX/XX/21 These missing funds included XXXX DOT that was purchased on Coinbase XXXX, exact details below : Bought XXXX DOT ( XXXX  XXXX  ) at price $ XXXX. Fee {$21.00}. A total of {$4200.00} USD spent on XX/XX/21 XXXX XXXX. 

Additionally, there was a balance of Bitcoin ( approx. XXXX ) and a remaining balance of Ethereum ( approx. XXXX ETH ) that were also not listed in the remaining funds they allowed me to withdraw on XX/XX/XXXX.
Consumer complaint received 2020-03-30
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: Convergent Resources, Inc. (MI)

I have two accounts that do not belong to me on my XXXX credit report ; Convergent Outsourcing , Inc and XXXX XXXX XXXX. I filed a dispute with XXXX  and received a response on XX/XX/2017 that the accounts were " verified and updated ''. I filed a second dispute with XXXX  as well as contacted Convergent Outsourcing multiple times by phone and mail requesting validation and physical proof that the debt is mine. Convergent sent me a letter on XX/XX/2017 stating " we have completed our investigation and reported our findings to the credit agency ''. They did not give me the results or proof. XXXX responded with the account has been " verified and updated '' and stated they would not investigate these matters anymore unless I provided documentation. How am I supposed to provide documentation that an account doesnt belong to me? So, I am stuck with damaging inaccurate information on my credit report and no recourse except litigation. Now Convergent Outsourcing has listed ANOTHER fake account on my credit report ( not XXXX ). I am hoping to resolve the matter through the CFPB rather than a FCRA attorney. Any help you can provide would be appreciated.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting : XXXX XXXX/XXXX-Date of Inquiry XX/XX/2020 2020
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PLEASE BE ADVISED RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED INACCURACIES ON MY ACCOUNT. THE BELOW ACCOUNTS LISTED ARE HURTING MY ABLITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESES ITEMS FOR ME TO ENSURE ACCURACY. PLEASE HELP ME WITH THE BELOW LISTED ACCOUNTS!!!!!!! I HAVE FILED A CONSUMER COMPLIANT AGAISNT THE LISTED COMPAMIES BECAUSE OF THIS INFORMATION THAT IS HURTING MY CREDIT AT THIS TIME SO THEY CAN ALSO INVESTIGATE THE ACCOUNTS being reported twice by XXXX XXXX same account on my credit report account # XXXX and they are reporting same account with different dates and amount on same acct
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX called my phone and said they needed to know where i worked so i could be served with a legal supbena of complaint ordered by a judge for collection of payment. I was accused of avoiding service, i will be arrested. I am XXXX XXXX XXXX, and it nearly gave me a hart attack. I contacted a criminal attorney, and the attorney checked the court docket website only to learn there was no complaint filed against me. I was ready to write them a check for {$9100.00} the company said they had a judgment against me. It was BARCLAYS BANK DELAWARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-18
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. (MI)

COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, Authorized Agent for XXXX XXXX XXXX XXXX Successor to XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/XXXX ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.
Consumer complaint received 2021-10-18
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. (TN)

I have contacted Equifax and XXXX XXXX. both parties involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that this fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-10-18
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. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-12-17
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. (GA)

I received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX  INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax has my file split and is showing all my balances are XXXX out when they shouldn't be and is reporting inaccurate information. I have attempted to get through their automated system several times but I can not reach a real person over their phone line. I need this resolved.
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

I contacted I.Q. data international on 2 different attempts. I once disputed the debt and was told there investigation came back to be verified as my debt. My second attempt to dispute it on XX/XX/XXXX they said because I didn't submit new information there investigation is done and still verified. I then contacted XXXX and was told this should have never been reported to my credit. They then submitted a email around XX/XX/XXXX showing that the balance was taken care of in house. I also sent a certified letter XX/XX/XXXX with a copy of a statement showing this debt was taken care of. This is still reporting incorrectly and has been for years.
Consumer complaint received 2021-10-19
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX A on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-10-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United PanAm Financial Corp. (LA)

UNITED AUTO CREDIT XXXX number from a lawyer keeps calling me with threating messages ; everytime that I try to call back the person can not verify me. this debt has been discharged since XXXX - my uncle took over this car loan in XXXX and has been deceased for over a year. I would like for this company to stop reporting this old debt on my credit report as it is hurting my credit score. 
XX/XX/XXXX, XXXX Contact Number : ( XXXX ) XXXX