davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NJ)

My fiend asked me to deposit his cashiers check from XXXX bank into my account since he didnt have an account of his own. I mistakenly did so and gave him the funds in the amount of {$2100.00}. The next day I was notified by Wells Fargo that the check bounced as it was a fake check. Now the friend will not pay me back and nobody from XXXX will even talk to me about this as they refer me to XXXX and XXXX just refers me back to XXXX. I have had no success in reaching either institution. My friend is ignoring my calls, texts and messages asking for payment of the money he fraudulently had me deposit into my account which bounced and now I owe the bank {$2100.00} but XXXX cant afford that.
Consumer complaint received 2021-08-25
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. (TX)

XXXX  XXXX XXXX XXXX {$570.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX XXXX {$310.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 


XXXX XXXX XXXX XXXX XXXX {$300.00} I filed and ftc report and spoke with the creditor and they refuse to remove it.
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (CA)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account FRONTLINE ASSET STRATEGIC with a balance of {$1100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the XXXX bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2021-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I think Transunion is doing illegal activity with my credit report, I now have 5 inquiries that I never authorized. 2 of those inquiries are brand new & showed up on my report today making this message. The customer service has been down online, they, have had the dispute option on the website back and forth behind a pay wall, but now it doesnt function at all. and phone agents have been hanging up on me, one supervisor XXXX did and I didnt remember the other 2 women who did but they were also supervisors they try to hang up on me now when I try to resolve the problem now because I initially been calling for about 2months, Im almost about to find legal action because the hard inquiries just got my recent loan application denied because of the neglect. My score has been severely damaged, and I notified each institution for request of a removals. Transunion is the only company that has been giving me a hard time. Here are the inquiries I did not authorize and need removed below and the dates XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/202XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX Bank XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Bank ) XX/XX/2021 2021
Consumer complaint received 2021-12-12
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. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.
Consumer complaint received 2021-12-12
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. (IL)

For approximately 5 months, I have been attempting to correct an error on my TransUnion Credit Report. There is a XXXX XXXX Bankruptcy dated XX/XX/2019 in my file. This is not my Public Record and it needs to be removed immediately. Furthermore, it is hindering me from being approved for a mortgage. I have contacted TransUnion several times by certified mail and phone calls in attempts to resolve this matter. They claim that they investigated it and verified it with the US Bankruptcy Courts. I contacted the US Bankruptcy Courts myself and was told that they do not verify such information at all which makes proves TransUnion did not verify this public record. The US Bankruptcy Courts sent me out a letter as well explaining and supporting my claim. The XXXX  XXXX Bankruptcy is not mine and must be removed alongside of it not being verified as my account. You must prove beyond a reasonable doubt that this is my account and the US Bankruptcy Courts says that it did not verify it but several representatives have said it is verified. This is incorrect information and TransUnion is at fault.
Consumer complaint received 2021-08-25
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: I.C. System, Inc. (TX)

Collections account XXXX XXXX XXXX ( XXXX {$1800.00} ) has been disputed and deleted from my credit report. Report Number XXXX with XXXX. 
The same account but different collection company is showing on my credit report again as of XX/XX/2021. Collections company : I.C. Systems ( XXXX {$1800.00} ) Filed another dispute with XXXX  demanding it be corrected and deleted from my credit report. This has cause a huge drop on my credit score.
Consumer complaint received 2021-12-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have submitted a request for the agency to verify that this debt belonged to me and asked for documentation of proof that this account is mine! The agency sent me a letter containing the last XXXX digits of my social security numbers and nothing more! This company is continually reporting this inaccurate information on my credit report and it is causing my great distress! I am writing in hopes of finally settling this matter! I have been going back and forth with this credit agency for XXXX months! This is the first time they respond to me! With a document recording the last XXXX of my social security number and my original dispute included this information! This is ILLEGAL practices from this debt collector! I will have to take this matter to court if it is in my best interest! While I prefer not to litigate I will do whatever is in my best interest to resolve this matter.
Consumer complaint received 2021-12-12
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: Lewis, McDonnell & Associates (NY)

I have continuously reported two accounts as inaccurate on my credit report with XXXX XXXX who I do not KNOW whatsoever! I have disputed these accounts and the company has absolutely ignored me continuously! I have received absolutely no proof nor have I have received a response at ALL! This is ILLEGAL per FCRA and FDCPA regulations! This company will not respond to any letters I have sent! I am considering litigation at this point, although I prefer not to, theyre leaving me no choice and I must do what is in my best interest. The first point of contact with this company was on XX/XX/21 and I have yet to hear from them!
Consumer complaint received 2021-12-11
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. (FL)

My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account showing on mine and my husband 's report that is not correct. It's XXXX XXXX XXXX XXXX. We have disputed it with the bureaus and it still hasn't been resolved. They are showing the account charged off many years ago but has a balance of {$220.00} and a past due balance of {$1100.00} how in the world is that possible? There was no investigation otherwise this thing would be lined up.
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (CA)

Transaction date XX/XX/2021 Money was not available in beneficiary account, Contacted Chime Inc/Sendwave for a reversal as the beneficiary was not able to get the money, he stated the bank does not have a record of the transaction.

I have contacted the company severally via phone and email and they keep sending text messages they're working on it.

However the transaction receipt states I have a right to refund within 10business days.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (GA)

XXXX XXXX has unpaid checking account debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I never had a checking account with chase bank never opened or gave anyone permission to open an account. I have spoken with chase bank numerous times and early warning systems. They refuse to close the account or remove from their systems yet they told early warning systems the information was inaccurate and told them to remove it from their systems after my complaint and dispute letter to early warning about the account in question was made. It is not on my credit consumer report anymore yet it is still in chase system and I can not get a bank account with chase because of this. have sent a letter to early warning and chase themselves asking for this negative mark to be removed that I dont owe. Early warning has contacted me stating chase confirmed with them it was inaccurate yet chase is still saying owe/own the debt of XXXX $ and refuse to remove it from their systems. I DID NOT OPEN THIS ACCOUNT THIS IS FRAUD AND HINDERING ME!
Consumer complaint received 2021-12-11
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: EQUIFAX, INC. (GA)

On XX/XX/21, I sent letters regarding inaccurate and unknown accounts and information reporting to my credit reports. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, the reporting agencies are suppose to provide actual proof the information was verified. This did not happen. All 3 reporting agencies ( XXXX, XXXX XXXX Equifax ) responded with computer-generated response confirmations. So again on XX/XX/21 & XX/XX/21 I sent letters credit agencies to investigation letters demanding to comply with my request. I have sent letters to the companies furnishing this information to my credit report on XX/XX/21 and have not received any information in return, no response at all. I presume that no proof of alleged debt nor therefore such any debt in fact exists. I demand that these accounts be deleted immediately or I will file for litigation due to the stress they are causing. My information was impacted by the Equifax data breach and I am a victim of Identity theft. The reporting agencies are aware of this yet they refused to do a proper investigation. This whole thing has taken much longer than XXXX. This is day XXXX.
Consumer complaint received 2021-08-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (VA)

I was in forbearance from XX/XX/XXXX to XXXX XXXX XXXX due to pandemic. Since then I have not missed a payment. I contacted my mortgage company BSI Financial about a stand alone partial claim. They did not contact me back until XX/XX/XXXX. They gave me 2 new loan options and I chose one. It said my new loan would start on XX/XX/XXXX and when I recieved my statement nothing had changed. When I contacted the person in charge of my account they said the new loan would now start on XX/XX/XXXX. When I go online to look at my account information it says I can't view because my payments are overdue and is unable for viewing. Don't believe my new loan will start on XX/XX/XXXX and need help getting this rectified.
Consumer complaint received 2024-02-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

I fell behind on Mortgage and I am now currently behind by XXXX, I requested a forbearance so I can catch up on my payments, My payments are XXXX per month with an interest rate of XXXX percent, I am in a VA streamline loan program and I was sent the Modification which will begin in XX/XX/year> would be and increase to my interest rate to 6.5 % and and increase in payments to XXXX per month for XXXX  years and when I asked for help I was sent in circles and no one knew anyway to help me. I received XXXX per month and XXXX is close to 90 % of my income. I have called on numerous occassion to resolve this only to be told I dont qualify for anything but the modification. They know this is not feasable and there are no other resources, I have applied with the HAF program and I am waiting to hear back. So bottom line is this company wants me to pay for XXXX  years an increase of XXXX plus the XXXX for XXXX years on a debt of XXXX. They want me to lose my home, I am a veteran 100 % XXXX XXXX XXXX XXXX XXXX XXXX. How can this company continue this kind of practice, it unethical and please help.
Consumer complaint received 2023-11-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

Unable to use American Express Gift Card - all transactions are declined regardless of amount and merchant. The card has sufficient balance to cover the transacted amounts in full. American Express website verified the card is active and the balance amount.
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This dispute has nothing to do with Capital One providing credit to me, it has to do with Capital One paying a bill on my behalf with a card that was already closed. I closed my cards with Capital One. Capital One say they closed my cards. Either way you look at it, THE CARDS WERE CLOSED by me and they say they closed the cards and therefor NO TRANSACTIONS COULD BE MADE BY ME and Definitely Capital One should have never arbitrarily authorized a payment to a company that i was no longer do business with. I had 2 Capital One credit cards. The fact is that some time in XXXX or early XXXX, both of my cards expired, the XXXX numbers were no longer valid and no new cards were ever sent to me for my ability to use. I did not owe Capital One any money when it was decided by me to not continue having a Capital One card. Capital One claims they closed my bank card accounts in XXXX, which was ok with me. I did not use any of my 2 cards for nearly a year, yet recently, on XX/XX/XXXX a charge was billed to me in the amount of {$160.00}. First and foremost, I closed a recurring charge in XXXX with the XXXX  company i had done business with when I owned my business. In XXXX, I had a XXXX. I survived after having been placed on XXXX XXXX and was in the XXXX for 28 days. I had XXXX XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. my business was placed on hold immediately following my XXXX and XXXX XXXX. Capital One can easily the CFPB anyone else that use of either of the Capital One cards pretty much came to an end. Anyway, if you look at the charges that were ever logged on to my card, you'll see that I paid off any and all card charges and allowed the cards to have a zero balance and therefor remained closed. On or about XXXX of XXXX, Capital One arbitrarily opened my closed account and paid a bill on behalf of my closed company and myself without my authorization. When a card is closed by both parties, that is Capital One and Myself, and the card can not be used by me in any form or manner, the bank that owns the card can not just reopen the card, pay a bill and then expect me to accept the bill. The XXXX company in question has acted in Bad Faith and service with them was canceled. I called Capital One to dispute the charges. Capital One recently sent me a reply letter ( attached ), and wrote that they " ... consider this case closed. '' and expect payment from me. I do not do business with XXXX and i do not owe Capital One for voluntarily paying on my behalf from a credit card that was closed by them and me.
Consumer complaint received 2017-08-24
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. (FL)

A rent-to-own company called XXXX XXXX is reporting that I have an unpaid {$3800.00} charged off account on my credit. The account number being reported to my credit is " XXXX ''. I have never had an account with this company and this debt does not belong to me. At first, I thought this was a reporting error by the credit bureau but after more than five months of disputes, Experian has not deleted it because they keep saying it is my account and I need to call XXXX XXXX to handle this. This is where my problem begins : I have called XXXX XXXX on the number provided to me by the credit bureau letters and they are telling me that the name the account is under is " XXXX XXXX ''. That is not my name. My name is " XXXX XXXX ''. I have tried getting them to send me some sort of supporting document or proof that the account is under this other person 's name but the regional manager will not give me any information because the account is under XXXX XXXX and I am not that person. This is ridiculous. What am I supposed to do to get this account off my credit? If XXXX XXXX does n't delete this from my credit report or mail me a supporting document I can send to Experian, I am going to file a police report for fraud. I have never had an account with this company.