davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NV)

one day I was looking at my credit report and it was there I have no idea how these people got my info but I know for sure it's not mine. I don't know what else to say this is the info I got from my credit report commonwealth financial for {$1000.00} they keep putting it on my report as collections for the past 3 years I think
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I've looked at my credit report closely and noticed that XX/XX/XXXX I first disputed Convergent for the amount of {$800.00} because I was aware I owed no one and never heard of this company. I didn't follow-up because I just knew it wasn't mine!. After Covid crisis XXXX   offered free credit reports in XXXX. Once again, I saw this same name and amount XX/XX/XXXX I filed a dispute. Again, XX/XX/XXXX with information attached to show no equipment charges were on my account along with the return XXXX label for the device in question I shipped back to XXXX. This was to no avail. I did the same disputed information with XXXX   again XX/XX/XXXX to no avail. I received a letter from Convergent XX/XX/XXXX asking to mail or email proof if I had it. ( Mind you, this had already been done ) That same day I sent the email and waited for response. XX/XX/XXXX I received the exact same letter from Convergent as  on XX/XX/XXXX. No problem, I sent the email again with a follow-up call asking if there was someone I could speak with to verify emails were received. No one knew who I was or what I was talking about. XX/XX/XXXX Same routine at Convergent, first asking me to pay the debt I don't owe, then not knowing who I am, or what documents/emails I'm talking about. After a bit, oh we'll expedite info to XXXXXXXX  for removal from your credit file and send you follow-up email. XX/XX/XXXX call back and no one has previous information. She said she has to send me a packet to fill out, but never did. XX/XX/XXXX Called XXXX, rep said she take a look at XXXX trk # send it to escalation it should take XXXX days, she'll send an email. That email said they couldn't find equipment ( IMEI ), they were looking for a device number not the XXXX tracking  number I provided. I called back XX/XX/XXXX because I didn't hear about the XXXX #. They told me then, it was too old. I was told because the account no longer belonged to XXXX, there was nothing more they could do. She did verify that this was about the return of the wi-fi device and that at that time it was {$100.00}. I told her I have provided my proof of returning the device, I'm not responsible what happens after it leaves my home. She was supposed to verify with XXXX the tracking number but never got back with me.
Consumer complaint received 2022-08-29
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX of XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.
Consumer complaint received 2019-02-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big City Finance, LLLP (TX)

My original loan ( Account # XXXX ( XXXX XXXX ) ) was scheduled to be paid off XX/XX/XXXX. When I logged into their website, it was advertised that I could " Skip a Payment ''. Which I elected to do, XX/XX/XXXX. As it was near XXXX, I thought this would be beneficial for my family. It turns out that skipping a payment meant refinancing. Which was an option I've declined several times. Since then a new line of credit was opened for {$480.00} and now I'm stuck in this same rabbit hole, with a payoff date in XX/XX/XXXX. This company is extremely unethical and misleading when providing payment options to it's customers. I did speak with XXXX with the resolutions department, and she was of no help to me.
Consumer complaint received 2019-01-26
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. (FL)

I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and Equifax have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. Equifax had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
Consumer complaint received 2018-04-12
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: Experian Information Solutions Inc. (CA)

XXXX is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (IL)

XXXX I had autopayment setup some how I kept occurring late payments from my account I would XXXX dollars a month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX also it was incorrect information on credit report as well. Avant- credit card same problem late fees XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

I had a modification and Chase overcharged me. I presented proof as a receipt from the local real estate tax board along with the letter from Chase that stated how much I owed for real estate taxes. 
They refuse to acknowledge it. 
We had a deposition and my side was not allowed to ask questions and I got charged for Chase 's deposition. 
I was awarded {$500.00} against Chase from the Independent Foreclosure Review Board and had to get help from the Attorney General to get them to tell me in writing  what I was charged for in my loan modification. 
There have been numerous issues with the mortgage where they charged me fees for partial payments that they believed were bounced checks, they charged me for insurance when I had it, they charged me twice for insurance in the same month, and etc. 
I need them to correct the overcharges that I proved with the tax records so that I can sell the house. I do not ever want to deal with them again. I am afraid to continue dealing with them. I emailed their XXXX XXXX XXXX several times. They would have the Executive Office contact me but, they never resolved the issue.They have two hour recorded calls where I have called them and they agree to help on the call but, never follow through. 
I am having such a bad experience with them that I do not intend to hold a mortgage in the United States ever again. 
There is a possibility that the XXXX XXXX or XXXX XXXX XXXX XXXX did receive all of the the tax payments from XX/XX/XXXX-XX/XX/XXXX and didn't refund or credit them. I need an investigation asap, please.
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (TX)

I have repeatedly told this company this is NOT my debt. They keep telling me that this is all of my info and I keep telling them this is what happens when there is IDENTITY THEFT. They are rude, call numbers that should NOT, do not follow all of the laws of collections when they are advised of identity theft. I have advised them before and asked them if they would like a copy of my police report and I always receive a response but nothing to follow behind that.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (PA)

All negative adverse accounts placed on my report is causing me XXXX XXXX I never gave any authorized consent to report anything adverse on my consumer report. They violated Title 15 USC 1681b. They reported negative things without asking me for permission to do such atrocities.
Consumer complaint received 2022-08-29
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. (PA)

All negative adverse accounts placed on my report is causing me XXXX XXXX I never gave any authorized consent to report anything adverse on my consumer report. They violated Title 15 USC 1681b. They reported negative things without asking me for permission to do such atrocities.
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NM)

This item has been on my credit report for a few years. I have never received anything from them as to what this is for or who the original creditor is and why I owe them. I have even disputed this with the CRA 's. This negatively impacted my credit score, and has made it extremely difficult to rent a place to live.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Chase extended me an offer to open a new Savings account, which had to be opened in a branch. 

The terms of the offer and of the account state that I need to fund my account with {$15000.00} of 'new money ' that's not already in an existing Chase account. I also need to keep a minimum daily balance of {$300.00} or I'll be charged a monthly service charge. 

Chase is preventing me to fund my account for the requested amount from an external bank account, and thereby preventing me from fulfilling the obligations they've imposed on me. 

- I linked an external account online, completed the trial deposits, and initiated the transfer. 
- Chase blocked the transfer, removed all of my online access to my checking and savings account and had me call in - I called in, and was told that a 3 way bank call was needed with my external account. Since the external bank was closed that evening I was told the only way I can get access back to my checking account was to cancel this transfer. Hence Chase was not only blocking the transfer in question about also my access to ALL of my funds. I therefore asked the agent to cancel the transfer to I could pay my bills. He asked me to call back to initiate the transfer when the external bank was open. 
- 2 days later I called Chase to be able to do a 3 way bank call and was told that I first had to initiate the transfer online and to call back - I went online to re-initiate the transfer, but the external account which I PREVIOUSLY connected is no longer in the system. 
-- >I now need to re-enter my external bank information, wait 1-2 days to do trial deposits, go back online to initiate the transfer, which for the transfer to block access to all of my bank account and money, call Chase to do a 3 way call with my other bank ( within business hours ) and THEN I WILL HAVE FULFILLED MY OBLIGATIONS to prevent getting a 'service ' fee. 

This is UDAAP. Imposing terms and putting customers through unreasonable hoops in order to fulfill them. 

And the cherry on top, is that if Chase actually looked at my Checking account activity they could CLEARLY see that I have the liquidity, am not laundering money ( ie. the transfer is completely in line with past transaction history ), AND should see that I've been sending money from Chase to XXXX. But when I try to give Chase back some lost business, they won't take it.
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Douglas, Chancellor, Meyers and Associates, LLC (GA)

The Creditor listed is : Douglass Chancellor Meyer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX Re : XXXX XXXX Debt Stated {$380.00} Tried on multiple occasions to contact collections agency by phone ( XXXX ) XXXX based on number outlined on credit report. The system states it is unable to verify with last four digits of my SSN, and does not connect to a person ever. 

I have also disputed with Credit unions, but no verification of debt was provided to me. They simply returned a finding of valid debt to my credit report.
Consumer complaint received 2020-09-15
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. (MA)

DEAR XXXX  XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-15
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. (MA)

DEAR XXXX  XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-03-08
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: Credit Adjustments Inc (CA)

Pell Grant Overpayment. ( {$400.00} ) ( There was not an option for school grants. If this has been sent to the wrong dept. please forward. ) On XX/XX/XXXX I called Credit Adjustments Inc., the collection agents for my two defaulted federal student loans. ( Credit Adjustments Inc. ) During that call the agent told me in order to qualify for the rehab I would need to pay in full the " Grant Overpayment ''. I was unaware of any overpayment. This was a " first time '' Pell Grant. ( issue date XXXX ) I agreed to pay the overpayment. During that call, before setting up the loan rehab, the agent took my payment in full over the phone. Further, the agent impressed upon me that all negative reports to the credit reporting agencies would be removed upon completion of the rehab program. 

I successfully completed the loan rehab XX/XX/XXXX. The two federal student loans I have are reporting correctly. Those two debts report " current '' and no late payments. The Pell Grant Overpayment reports Collection. Collection as of XX/XX/XXXX. So, 7 years of a collection is the result. XXXX says the baddie will stay until XXXX. XXXX!!! 

Called and wrote to XXXX  ( other two c.r.a. 's are not reporting the debt ). 
XXXX  reports the trade line as : " Account type : Student Loan '' ( it was grant when distributed, yet reports as Loan. ) " Account status : Paid, was a collection account, insurance claim or government claim or was terminated for default. ''
Consumer complaint received 2019-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (NH)

I received a call from United Collections Bureau. They stated I had a debt in collections. They asked to verify my DOB, SSN, and mailing address. I refused until they told me who my debt was to. They stated they could not give me that information until I gave them my personal information. I told the woman that the only debt I had was my mortgage and it was up to date. She asked me for my SSN again. Again, I refused to give them my information and the woman hung up on me.
Consumer complaint received 2019-02-01
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. (NY)

I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ).

It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I initiated a balance an online balance transfer with capital one to my credit line account I have with chase bank. The XXXX   account number and address was added to the online form to initiate the transfer. After 1 week of not receiving the transfer, I called capital one and the rep promised to look into it. It was about 2 weeks after I then received a note from capital one after a second call that indicated that the transfer was not processed because it needed to be transferred to a card number. Capital one letter to me just indicated that the transfer was unable to be processed. A month after that I observed the the transfer balance still continued to be reflected as a credit to be account. I called Capital one and they promised to investigate it. I did not not receive a call back and so I called again. This time the rep says that a ticket will be opened to sort it out. Over the last 5 months I have called capital one about 10 times to resolve the issue. One month ago I spoke with Capital one and XXXX together on the phone ( we were conference in by Capital one ). XXXX indicated to Capital one that they do not have any record of the transaction. To the best of my knowledge XXXX has communicated that in writing also to Capital one since I received a letter from chase indicating that they have no record of the balance transfer. I have spoken to at least 4 different account supervisor at Capital one and they are refusing to remove the {$2000.00} from my account. I want to close my account but I need this resolve before I close since I have no confidence in capital one keeping up the standards of a reputable company. In addition I need capital one to refund all my overpayment in interest payment. I will appreciate the CFPB helping me resolve this.