davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (CA)

I recently checked my reports and noticed I had some unauthorized accounts and inquiries listed. I also noticed XXXX reinserted an inaccurate account that they once deleted. I know that this is against the law so I ask that they remove this immediately. I also demand that the other unauthorized inquiries get removed as well
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet. Delete this on my report as it really affects my credit standing.
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: Freedom Mortgage Company (TX)

I applied for a equity loan with my mortgage company and was turned down. I was told by a representative with the mortgage company I was eligible for the loan, I only needed a credit score of XXXX to obtain the equity loan however I did not here back from them.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WV)

I have attempted to contact Chase via phone, email, and the XXXX to request that they refund monthly fees on the account that they have not allowed me to access in nearly 6 months, and to have them close the account and send me a check for the remaining balance on the account after refunding the fees associated. To date, Chase bank did not answer my XXXX requests and has not closed the account as requested, continuing to allow monthly fees to be charged to the account.
Consumer complaint received 2023-02-21
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account XXXX  XXXX XXXX Balance {$70.00}.
Consumer complaint received 2023-02-21
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. (MI)

In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

Convergent Account # 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 A section 2 : It also states a consumer reporting agency can not furnish a instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (GA)

I taped me & the Elan Reps conversation over the phone about the XXXX XXXX XXXX charge dispute and the Elan Representative is lying about our conversation : I put her on hold for a quick minute and then I came back to the phone and she was still holding, but I sat up there and said hello for 5 minutes and the Elan representative didnt say a word! So the Elan Representative is telling a big lie in her response to my complaint, and I have a recorded conversation on my tape recorder showing the Elan Reprentative is lying! 
I tried to respond back, but I just saw that I only had until XX/XX/2023 to respond. 
Somehow I thought I had until XX/XX/2023 to respond! 

But since Elan Representative lied in their response about what actually happened between me and her then I believe they lied about sending documents out to me about the XXXX XXXX XXXX for {$2400.00} to me, so they wouldnt get documents back from me, so they could take the provisional credit off for {$2400.00} and recharge my account for the {$2400.00} : because I did get the documents saying they had charged my account again for the {$2400.00} charge, so I think that Elan Financial Services should be made to immediately credit my United Community Bank Visa card for the XXXX XXXX XXXX charge for {$2400.00}.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I deposited two checks from the XXXX XXXX and XXXX XXXX ( XXXX ). They were rather extensive checks, totaling almost {$100000.00}. Almost immediately, USAA shut down my account, accused me of fraud, and said they were " terminating services '' with me. After three weeks with no access to my money, they unfroze my account and decided to keep doing business with me w/o stating that. I inquired about the two checks I deposited and was told they were " returned to their maker. '' XXXX said they would not reissue the checks until they received the two original reviews, which they have not. I have called USAA multiple times, specifically XXXX at XXXX, ext. XXXX, who had been updating me regarding the status of my accounts that they froze and who is the one that informed me that the checks had been " returned to their maker, '' but she no longer returns my calls. I would have gone to the bank in person to deposit the checks, but USAA no longer offers an in-person bank to do so, only to deposit through an ATM or a mobile app. USAA messed up my finances by closing my accounts for three weeks, and now they have lost {$100000.00} of my money and are absolving themselves of any responsibility. The checks were last in their possession. They need to take responsibility for their actions, find the checks they falsely deemed as fraud, and ENSURE that they get back to XXXX so I can receive reissued checks and deposit them into my new account with a different bank. Essentially, USAA has lost {$100000.00} of my money and is not taking any responsibility for it.
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXXDepartment of Education XXXX XXXX This educational department has promised not to give any of my personal information to anybody and that's including the credit bureau agencies . I am the holder of the consumer credit contract and I can assert my rights. 

16 CFR 433.1 16 CFR 433.2 16 CFR 433.3 16 CFR 313 16 CFR 313.1 I have the right to opt-out. I have never received a notice of my rights to opt-out from XXXXDept of Education . 

XXXXDept of Education is also violating my rights under : The Family Educational Act of 1974 and The Privacy Act of 1974
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MI)

My information has been impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

The following Inquires are fraudulent Card Assets, A Division of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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)

Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX XXXX loan, XXXX lender, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my report.
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fein, Such, Kahn & Shepard, P.C. (TX)

This letter is to put you and your firm on a notice of FDCPA Violation. 

According to 15USC 1692 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be l
awfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 

Further as per the case made in case of George W Heintz V. Darlene Jenkins, the provision of fair debt collection practices act applies to attorney who regularly engage in consumer-debt collection practices, even when that activity consist of litigation. 

There for as per the judgement mentioned herein, your firm is liable as a debt collector. 

Kindly provide proof that your client has a signed contract with me and validate the debt. 

This company is represented by XXXX XXXX XXXX Find attached the proof of the lawsuit filled against me
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (AR)

I was working in XXXX Florida from XX/XX/2023. I traveled from XXXX Airport, through XXXX XXXX Airport , and then to XXXX on XX/XX/2023. 
On XX/XX/2023, I received a text notification from XXXX XXXX that a charge was made to XXXX XXXX XXXX XXXX XXXX Florida for {$2700.00} and another one for {$300.00}. I got on the XXXX app on my phone and saw the fraudulent charges, which I disputed both at that time and requested the credit card locked and to have a new one sent to my home address. I let them know it was not myself or anyone else in my family and that my credit card was in my possession so somehow the scammer had my credit card number. 
I then, from the XXXX App, reset my password and was sent a message through the app that the new password had met their requirements. However, I noticed they misspelled the word and by putting " requirments '', leaving out the " e ''. I contacted XXXX XXXX XXXX XXXX on the phone number on the App, and when the person answered, with very broken English and a lot of noise in the background, and requested my SS #, I hung up. I then looked at the back of my credit card and called that number for the Fraud department. The text I had received earlier about the 2 charges was indeed XXXX, however, the scammer somehow got into the App, and I did report this to XXXX. Also, the following day I received another text, from the exact same number from XXXX that another {$5000.00} had been charged, but when I called XXXX, they stated that wasn't true, but the scammer had gotten their text number. Then on XX/XX/XXXX, I noticed 2 charges on our Health Savings account card for {$610.00} and another for {$120.00}. We notified that company, and they opened a fraud report. Then on XX/XX/2023, I noticed 8 drafts on my checking account that totaled, {$3100.00}. I contacted my bank right away and they canceled my debit card and issued a new one. I went to my bank the next day and disputed each charge. The drafts were to the following on my checking account at Arvest Bank, XXXX XXXX XXXX XXXX {$50.00}, XXXX XXXX {$7.00} and {$14.00} XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX {$44.00}, {$1000.00}, and {$1700.00} XXXX XXXX XXXX {$36.00} With all the fraudulent charges, I was in possession of my credit card, HSA Medical savings card, and my bank card, so I am not sure how they got into these accounts. 
I was staying and working with a new hotel, and I think someone could have gone into my room and taken pictures of the cards in my purse that was left in the room during my work hours but hidden. I did notify the hotel and they stated they would have the locks read, however, they have not received a response from their lock company.
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (FL)

A recent review of my credit report revealed a collection account from Nelson Cruz and Associates with a date of 2016 which is past the statute of limitations to collect debt in the state of Florida, this company is not licensed to collect debt in Florida and I have no knowledge of this unverified debt. I want this debt removed from my credit report
Consumer complaint received 2023-01-22
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. (GA)

After several attempts of calling and disputing I have yet to receive an update with corrected information. This agency is furnishing incorrect information on my credit profile. This has harmed me in obtaining any line of credit. They forced my hand at bankruptcy and even after that they still are reporting incorrect and outdated information.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-02-21
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. (AR)

I am filing this CFPB complaint to inform you that despite my previous request, you ignored it and proceeded to publish the disputed items as though they had been validated when you had a copy of my updated credit report. In compliance with Fair Credit Reporting Act section 605b, I requested that you erase the disputed accounts and information that were created as a result of my identity being stolen. Nonetheless, I observe that you continue to report the disputed reports as factual despite the fact that you have not supplied me any evidence to back up your assertions. Immediately erase the disputed entries from my credit file in accordance with Federal law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$82.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$83.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Please provide me any documents you find that show the disputed items are legitimately mine if you think they belong to me and the disputed items are mine. I anticipate that the disputed articles will be removed right away if you don't deliver these documents by the deadline stipulated by law.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank Loan # XXXX CA Mortgage Relief XXXX Approved in XX/XX/XXXX Around {$14000.00} Paid directly to Wells Fargo Bank CA Mortgage Relief current application XXXX I am respectfully requesting your kind assistance for my home loan modification with Wells Fargo Bank. I applied for the home loan modification in XX/XX/XXXX and have submitted all the required documents as requested. On XX/XX/XXXX, Wells Fargo Bank sent a " DENIAL '' letter stating they will not process this request because I filed a Federal Complaint with the Consumer Financing Protection Bureau. California Mortgage Relief XXXX paid approximately {$14000.00} around XX/XX/XXXX that was paid directly to Wells Fargo Bank XXXX I applied for a new claim to California Mortgage Relief XXXX on XXXX XXXX. 

I am a XXXX XXXX in XXXX XXXX, XXXX  and work tirelessly days and nights to provide income. Safety is a major concern. I am taking care of my XXXX XXXX XXXX XXXX daughter and my XXXX XXXX XXXX daughter.
Consumer complaint received 2023-02-21
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. (TX)

N 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 instruction.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is XXXX XXXX XXXX card for XXXX 'XXXX XXXX XXXX XXXX : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.
Consumer complaint received 2023-02-21
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. (CA)

I am a consumer by law. This complaint is not sent in error. Inaccurate damagaing information is being reported about me on my credit report. I am seeking compensatory damages for these violations.