davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Received debt collection attempt from Wakefield & Associates on a debt for a service that I never used, that I even signed paperwork with, on camera, as proof of refusal of service, four years after the fact. Original company attempted to get money out of my insurance, behind my back, but the insurance got wise to it and successfully disputed the collection attempt. Then they went after me, threatening and harassing me for a year before turning the bill over to Wakefield & Associates at double the previously listed amount due. 

When initially contacted by Wakefield & Associates, they claimed they'd been attempting to contact me for months. When debt was disputed, they refused to listen, kept asking for personal information, such as a credit card, and threatening me with damaged credit if I didn't pay immediately. By their next call, I'd learned what my rights were and what I had to tell them to get them to be bound by the FDCPA to stop harassing me. The employee on the other end of the phone acknowledged it before asking for alternate contact information that I had to, of course, refuse to give them. 

Just over four hours after requesting that they cease contacting me, they called me again, stating that the call was an attempt to collect the debt, asking for my attorney 's phone number, and saying that they couldn't stop contacting me unless they had one.
Consumer complaint received 2023-08-21
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-08-21
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2019-04-10
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: CITIBANK, N.A. (CA)

To whom it may concern : On XX/XX/2019 I had purchased the XXXX XXXX online from XXXX using my Citi Simplicity credit card. My purchase total was {$1000.00}. After completing my purchase I went into the XXXX XXXX located in XXXX XXXX, XXXX. I was greeted by a female employee unknown name who helped me retrieve my order. She came in from the back of the store with my XXXX and she took the plastic wrap off and turned on my XXXX. After she turned on the phone ( which I was under the impression that this was standard procedure ) and she backed up my XXXX. I didn't notice what she was doing and assumed that my XXXX was trusted to be safe with that employee. After about 5 mins she handed me the XXXX and I left the store. I came home later that night and noticed scratches to the back that was noticeable. I inspected the XXXX and immediately contacted XXXX XXXX in XXXX XXXX. The manager on duty stated to bring the XXXX in and that they would exchange it for a " refurbished '' XXXX. I explained to her that I paid for a brand new phone why would she give me a used one. After back and forth of arguing over the phone I decided to drive back to XXXX XXXX. I went into the store and the manager refused to give me new phone. I called the next day and filed a formal complaint with the XXXX XXXX in XXXX XXXX. I never received a follow up phone call. So I notified my credit card company to assist with the dispute. About 30 days past and my credit card company came back saying that I never attempted to return the damaged defective product I purchased. And the credit card company cited on the merchant 's side and would not assist me in getting my money back. I have contacted XXXX and attempted to return the XXXX with the impression that they would either give me brand new XXXX or my full refund. I will be filing a formal complaint with the BBB along with the XXXX XXXXXXXX Attorney General Office and the FTC. This is not fair that the credit company doesn't see my side of the story and disputing the charge.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am an authorized user of a Capital One card, and have been for years. This credit card shows up on XXXX and XXXX, but not on XXXX. 

I have called XXXX and Capital One once a month beginning in XX/XX/2021. Each time I am told by Capital One that they are reporting the information to XXXX every 30 days, but XXXX says they are not receiving any information from Capital One. 

Neither organization seems interested in helping me solve this problem. 

In addition to this, XXXX has a wrong address for me listed as my contact information. I have called on two separate occasions, as well as filed multiple disputes with their agency, and it is still incorrect. They list my address as having an apartment number, but I live in a house. There is no apartment building.
Consumer complaint received 2019-03-17
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. (CT)

Equifax is reporting XXXX XXXX account negatively stating in collections I bought the car out in XX/XX/2015 not in negative status. The have been reporting this now for over 10 years.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/2018, I received a Hard inquiry from Syncb/gap for a credit card which i was denied for. However i was unaware of my credit at the time. They tried to up-sell me to save money by quickly obtaining some information from me which at the time didn't know they are checking my credit. In turn gave me a hard inquiry, that would like removed from credit report immediately.
Consumer complaint received 2020-02-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC (PA)

Consistently called my fiance and I at the same time, hung up when answered, had bill collectors or customer.service reps or whatever they are be extremely rude, asserting themselves into my life by asking me about money I might be getting and what I might be spending it on. Whether I owe them money or not, it is none of their business about my financial situation other than my job, my housing, my monthly bill expenses, and my phone number. I was even told I can ask them to stop calling but if a program comes up that might help me I will be ineligible for it.
Consumer complaint received 2015-12-30
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Integrated Recovery Services (CO)

On XXXX/XXXX/XXXX, I received a robocall message on my cell phone that did not give company name or identify the person speaking threatening that legal action was pending on an urgent matter. Failure to reply would result in a judgement. 

When I called back, I received no disclosure regarding privacy or debt collection. I spoke with XXXX XXXX XXXX who informed me I owed a debt that needed to be paid within the next 2 days or a suit would be filed. I told him I believed the debt in question was paid to another collector in XXXX. I also informed XXXX XXXX that I was laid off in XXXX XXXX and the only income I have currently is from unemployment insurance. 

He said that his company ( Integrated Recovery Services ) did n't own the debt but worked for another broker that actually owns the debt and that the debt was still owed. 

I sent a letter of dispute on XXXX/XXXX/XXXX by fax and certified letter requesting debt validation by XXXX Mail. The certified letter was returned as undeliverable. 

XXXX XXXX XXXX called me 3 times after the XXXX leaving messages and continuing his pursuit of the unvalidated debt. On XXXX/XXXX/XXXX sent me a letter from a generic email address XXXX restating the settlement offer but ignoring my request to validate the debt. Further, I have requested license information to confirm Integrated Recovery Services and/or XXXX XXXX XXXX is licensed as a debt collector in XXXX where the company is located. XXXX XXXX XXXX has refused to provide any communication via XXXX Mail service leading me to believe this is a scam.
Consumer complaint received 2019-06-12
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. (CA)

I've contacted Equifax on multitalented occations and they refuse to assist me handling my dispute process with involves identity fraud with accounts trying to be opened. XXXX and XXXX have successfully removed my fraudulent inquires and Equifax still remains to not care on assisting me after I have provided the with police reports and filed disputes. Police report no. XXXX XXXX XXXX XXXX Sheriff Dept. Equifax dispute confirmation no. XXXX 1.XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY 2.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 3.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 4.XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX 6.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

XXXX XXXX XXXX hired a collection agency that is reporting incorrect amount on my credit report and reporting it as 30 days or more late damaging my credit and refusing to validate the debt and all mail sent to them certified has been returned to me unopened. I took XXXX XXXX XXXX to court and I won but the amounts still increased and was not taken off if my credit. IQ Data also called and threatened to damage my credit because they saw I was trying to obtain a home loan.
Consumer complaint received 2020-02-07
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: Experian Information Solutions Inc. (GA)

According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX  XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX are violating the law.
Consumer complaint received 2020-02-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

Attached is all my correspondence with Wells Fargo Auto with whom I apparently owe {$1200.00}. As you will see I have requested on numerous occasions to have the amount owing in writing that they will provide me with the original instrument of indebtedness in its original form. I also have the lawsuit settlement as I was awarded {$6000.00} due to Wells Fargo Auto charging me an " insurance fee '' when I already had my own insurance policy on XX/XX/2015. 

It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially and the lawsuit was settled in my favor, for the loss of my vehicle to repossession. 
I would appreciate if you would review my documentation and obtain a statement of facts from Wells Fargo Auto outlining exactly why they can not produce the original instrument of indebtedness, why they have referred this non-existent debt to a debt collection agency/charge-off. 


Sincerely XXXX XXXX
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

To XXXX XXXX legal/compliance thank you very much for your response. I am requesting a copy of my medical information showing the debt the amount of the debt the unpaid balance sign by the consumer. legal compliance XXXX XXXX stated you are business associates of the original debtor.I request my sign hippa given you from the original debtor be posted c f p b that I may view the sign hippa you stated your agreement with your client that you would not share private information with anyone other than the consumer. I take that to mean any third party other then the consumer the person who may are may not have purchase good and service for personal use.
Consumer complaint received 2023-03-23
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. (AR)

I am submitting this Complaint cia the help of the CFPB to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. 
XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$910.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$710.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of the dispute letter I recently sent with this complaint for your reference.
Consumer complaint received 2019-04-10
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: Convergent Resources, Inc. (TX)

XXXX XXXX XXXX XXXX, has filed ( 2 ) unverified and inaccurate collections on my credit report. XXXX DOES NOT have the LEGAL authority to collect on any debt in my name or social security number. They are not following the CFPB statutes.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2018, a suspicious charge was made on my debit card to " XXXX XXXX XXXX '' for the amount of {$100.00}. apparently, XXXX XXXX XXXX is a vitamin/supplement company. a phone number for the company was included on my bank statement. I gave them a call to dispute the charges, and they mentioned that the transaction was already flagged as suspicious on their end. the only information the company was able to tell me was that the charge came from XXXX. I reside in XXXX. the company told me they would refund the amount. I reported the incident to my bank and immediately cancelled my card. i have also reported this to law enforcement and other government agencies. hopefully, my experience will help reduce, eliminate, and/or prevent this type of criminal activity from occurring.
Consumer complaint received 2018-06-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cooling & Winter LLC (GA)

I called to make a payment on an account through a debt collection company that I have been making payments on for the past 2 years. My account was transferred from the original debt collector to XXXX over to XXXX & XXXX in XX/XX/2016. You are not able to make a payment online. You have to mail in your payment or you have to call in. I tried calling on XX/XX/2016, my payment due date, for XXXX hours but could not get through. I called again on Monday XX/XX/2016 when the office was open. XXXX XXXX informed me that my balance was actually {$50.00} higher than my balance. When questioned about that, she sent me to a XXXX. XXXX answered the phone explained there are XXXX screens they look at which yes, do show different amounts, but after making my payment, it would be correct. He took my debit card information, confirmed the information given to him and said he would turn in the form. I requested a confirmation number from him for the payment and he stated that he did not have to give me XXXX. They would run the payment and it would be processed in XXXX to XXXX hours. I stated that they only had permission for a XXXX time {$50.00} payment and I wanted confirmation to this. He again stated he did not have to give me a confirmation number because they had changed their practices. I told him that was not acceptable because anyone could have my information or run my debit card number multiple times. He told me I could then mail my payment in and he was tearing up the form he filled out. I explained that I made a payment to this same company in XX/XX/XXXX and I had an immediate confirmation number given to me. He said again, things had changed.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Home Mortgage sent my mortgage into a foreclosure sale without ANY PRIOR notification/correspondence to me. I had no notice of any such action until I received notice from an attorney via USPS regular mail, 7 business days before sale date. After speaking with WFHM regarding same, they said they did nothing wrong, even though they have no proof of my receiving any such correspondence. This is an outrage!!
Consumer complaint received 2023-08-21
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)

Hello. I sent out the dispute letters to all 3 major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions. ( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this information is inaccurate because the dates etc., each bureau is showing are different. I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this information is inaccurate because the dates, etc. each bureau is showing are different. And according to 15 USC 1681 ( a ) ( 2 ) : ALL LATE PAYMENTS ARE ILLEGAL TO BE REPORTED ON MY REPORT!! I demand that ALL LATE PAYMENT TRANSACTIONS BE REMOVED FROM MY CONSUMER REPORT. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, unauthorized or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance *Original contract