davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

My previous complaint ID is XXXX I previously filed a complaint about National Credit Systems in XX/XX/XXXX. I was never sent any kind of communication about the debt they claim I owed until I filed a complaint with you guys. This company took from XX/XX/XXXX of XXXX to validate a debt. They stated the debt I owed was for {$120.00}, but they have the debt listed on my credit for more than {$3000.00}. After my complaint was closed out they sent a letter ( this is the first correspondence I've ever received from them ) stating that I owed {$3400.00}. That letter is attached below. I already mailed the money order for {$120.00} to Attorney XXXX XXXX. As I mentioned in my previous claim Attorney XXXX XXXX was the name and contact information I was given when I first called them in XXXX of XXXX. I'm not sure how one company can be listed on your credit but the payments go to a totally different company. 

After receiving the letter and realizing that I wasn't going to get help from the CFPB or the FTC ( their website sends me back to the CFPB ) I decided to try to call them and settle the debt and have it removed. I was told by the CFPB when I called yesterday that the company can not misrepresent the debt. I'm not sure whats going on with this company. The lady I spoke to with National Credit Systems advised me to call XXXX XXXX, when I told her that it was violation of my rights to misrepresent this debt she transferred me to a manager 's voicemail. I am not sure what needs to be done to get this corrected. I do not want to be scammed. Please help me!
Consumer complaint received 2022-10-11
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balanced Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MN)

I have 3 student loans late have been reporting negatively on my credit report since XXXX. & XXXX. I consolidated these loans and they are still reporting negatively. This has affected my life horrifically and has caused substantial hardship. I am requesting that to have this information removed from XXXX, XXXX and XXXX.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter dated XX/XX/2019 from Convergent Outsourcing , Inc. trying to collect {$26000.00}. I am not responsible for this debt and am filing a complaint today ( XX/XX/2019 ) through CFPB to notify the company of my dispute.
Consumer complaint received 2022-10-11
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balanced Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

Purchased prepay phone service from XXXX in XX/XX/2022 phone service did not work good in my area so I didn't purchase another prepay card, called XXXX to release my phone number so I could connect to XXXX prepay service, XXXX XXXX XXXX I received a letter from Convergent Outsourcing, XXXX for XXXX and XXXX on XXXX demanding XXXX or they would send me to the credit bureau, I've spoken with XXXX both times after receiving the letter and their response is to just disregard the letter because they don't send paper statements out, but the letter states that by XXXX they would place it in collections, is this legal and can they get away with ruining people 's credit for monies they don't owe, remind you it's prepay service i never sign a contract with XXXX  or XXXX.
Consumer complaint received 2022-03-15
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. (PA)

Listed below are Bankruptcy 's regarding inaccurate and unknown things on my credit report. To this day I have not received any proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX XXXX I'm attaching a pic of them mailing info to XXXX XXXX. I have never been a XXXX and never will be Proving they have the wrong person! XXXX has already removed these wrongful listings. I have called Transunion XXXX XXXX who said I need to talk to the Bankruptcy Courts which i mailed them asking why they are telling Bureaus I have an account with them. They said they have no record of me and besides that they do NOT report to the Bureaus. Attached will be a letter from the Deputy Clerk saying such. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days gives reason to remove these items from my credit report. I know they have not investigated this because the BCourts do NOT report to them. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all XXXX Bureau 's data breach and may have gotten into the hands of the wrong person. XXXX removed after I showed them the BCourt letter. 
I have sent a Validation certified letter to the Bureaus. All i got was a letter from Transunion addressed to XXXX XXXX ( is NOT me ) & nothing from XXXX. Per the FCRA they are to present the Validation proof they received and have not provided anything, given that these are not mine I understand. This is why I know the Bureau 's have not validated anything because the BCourts could not validate anything to me! Also attaching Certified Receipts showing I have tried to resolve this and was ignored. I also understand these Bureaus make money by reporting these false claims to stay in business. 
Chapter XXXX Bankruptcy XXXX Court : XXXX XXXX  XXXX... This is NOT a real Court No address included transunion shown in attached Credit Report Chapter XXXX Bankruptcy XXXX Court : XXXX XXXX XXXXXXXX... This is NOT a real Court No address included transunion shown in attached Credit Report PLUS ALL Bankruptcy 's listed show DISMISSED or DISCHARGED. Guess Bureaus missed that in their false reporting. So if they are DISMISSED or DISCHARGED how can they even be reported?? 
Dismissed Law : to put out of judicial consideration : refuse to hear or hear further in court dismiss all charges This case is dismissed.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Asked company to investigate account to make sure everything is 100 % accurate. 
Company is still reporting inaccuracies on my credit report causing me harm. I wont account deleted immediately. 

Account : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX 1, On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported OK ( paid ) 2. On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported XXXX ( paid ) 3. On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported XXXX ( paid ) 4. On XXXX, XXXX Transunion reported 30 days late, but on XXXX, XXXX XXXX reported XXXX ( paid ) 5. Transunion also reported that last payment made was on XX/XX/XXXX, But how is that possible when XXXX reports payments for XXXX, XXXX, and XXXX of XXXX Enclosed is a copy of this account with inaccuracies, who is correct, Transunion or XXXX? Delete this account it is not 100 % accurate according to The Fair Credit Reporting Act.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Around XX/XX/XXXX I applied for a secured credit card by Capital one, however I was denied and wasn't charged. However today, XXXX XXXX 2022 they charged me {$200.00} for the card I was denied for and are saying they can't help me
Consumer complaint received 2022-02-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXXm going through a lot of stuff from identity theft fraud custody issues you name it Im going through it I was with Bank of America for 15 years and I live at XXXX XXXX XXXX ct I started bankruptcy and couldnt finish paying for the plan because Im also paying another attorney for XXXX case so all of a sudden my loan was transferred to XXXX XXXX I never received anything from the company I had to Bank of America and then thats how I found out also my XXXX was stolen and has been hacked along with my email address as well
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX
Consumer complaint received 2022-03-15
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. (NY)

Credit Monitoring Company XXXX XXXX is reporting on my Equifax Profile XXXX XXXX XXXX XXXX that my paid in full XXXX XXXX account with zero balance Is at below 100 % with payment history this is wrong. It's payed no outstanding balance 2. XXXX  XXXX reports on Equifax accounts has fraudulently stated that falsely that remarks are added and there are no remarks for XXXX XXXX XXXX  account XXXX 
3. XXXX  XXXX on reports on Equifax that account Open XXXX XXXX pays on time and the account is paid in full and not open nothing to pay 4. XXXX XXXX is reporting XXXX XXXX XXXX XXXX in different areas on the Equifax report. 
5.XXXX  XXXX is reporting XXXX XXXX XXXX  asr revolving account XXXX 
XXXX XXXX on Equifax reports XXXX XXXX account missed payments but the account is paid in full zero balance. How can this be? XXXX XXXX reports payment history at 87 % and it should be 100 % This account is paid not a revolving accounts and the account has no added remarks its just being reported fraudulently. 
6. Finally XXXX XXXX XXXX is being reported as paid on time XX/XX/2022. This account is paid in full no further payments made account paid in full.
Consumer complaint received 2022-12-04
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: JPMORGAN CHASE & CO. (CA)

I have been working with Chase for over a year to get a refund for my flight that I purchased through them. I have an email confirmation from Chase stating that I am due a refund of close to XXXX. To date I have only received XXXX and no one at Chase is able to tell me when the remaining amount will be received. Its also unclear why I only received this amount. Im struggling financially because Im short XXXX. Chase originally told me that it would take 7-10 business days to receive the refund. The XXXX I received within 1 business day but its unclear when I will receive the rest. Please help.
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc (PA)

I came to a payoff agreement of XXXX with the credit collector in XXXX to pay and close the account which I did. It posted and updated as closed onthe other XXXX credit bureaus but XXXX. Ive sent documentation showing. Ive contacted Harley, credit collector and repeatedly XXXX. Each time its we have the information and proof you sent it should update in XXXX hours and everytime its wrong. Its taken forever to get a solution and the report fix and to be right. I need it updated ASAP please
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (MN)

On approx. Tuesday the XXXX of XX/XX/2022 while relocating me and my daughter from XXXX XXXX XXXX XXXX with a move to our new home I called Wells Fargo to make sure that the {$250.00} dollars in my account were cleared funds left over based on my debit card usage for the move. Wells Fargo started yes if I use them my account will not have any type of negative funds in my account as in no I would not have an overdrawn account. 9 YOU CAN REQUEST THE CALL FROM WELLS FARGO CONCERNING ME ASKING THIS VERY QUESTON AND THE WELLS FARGO REP STATING THERE WOULD BE NO OVERDRAWN ISSUES WITH ME USING THIS AMOUNT OF {$250.00}. I asked the Wells Fargo Customer Service Rep several times to check all charges on my account before I use the funds for gas and hotel fees me and my daughter needed for the relocation move which we were in the process of from XXXX XXXX XXXX. After the Wells Fargo rep verfied and confirmed my checking account was in good standing and no overage would occur if used the funds for the trip fees in hotel and gas to get us to XXXX  I then proceeded to use the funds for our trip. The next day my checking accout began overdrafting and Wells Fargo through their deception caused my checking account to have fees of $ XXXX as of me filing this complaint. Wells Fargo then attempted to coerce me into signing up for overdraft protection, I did not do so because its a trap to run up even more fees that I can not afford since I get SSI at {$840.00} a month. Wells Fargo, due to its false information. is trying to collect {$310.00} from me based on their success at making me believe I had money in my account that was not there. I should not have to pay any of these fees based on false information given to me by Wells Fargo concerning my checking account. They do this to make money off of account holders.They act as if items have cleared and we as consumers see them as cleared on our accounts and in my case even had a Wells Fargo rep VERIFY THEY ARE AVAILABLE AND NO PENDING CHARGES FROM OVERDRAWN WILL OCCUR. Then Wells Fargo puts the same items back on the account which then overdrafts the account causing undue charges. You can see the text messages I received from Well Fargo account information concerning the {$250.00} available, then the overdrawn charges added later.
Consumer complaint received 2022-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have submitted the same dispute a total of 5 times within the last 60 days and Equifax has failed to follow the federal guidelines and investigate this dispute. In addition, when calling over the phone I was not able to get any information however, I was told to resubmit information however, I have submitted the information a total of 5 times within the last 60 days and no investigation has been conducted. Equifax has failed to investigate this dispute and they have been supplied both a police report including a FTC report yet there has been no dispute started for this account. I'm a victim of identity theft the account with XXXX XXXX XXXX is fraud and I have submitted this dispute to Equifax on the following dates in addition, I have a certified confirmation of mail to Equifax in addition, to fax confirmations which Equifax has not responded nor opened a dispute per federal guidelines. I have submitted a dispute to Equifax on the following dates : XX/XX/2022, Certified mail Delivered, XXXX XXXX XXXX at Postal Facility. Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2022 in XXXX, GA XXXX. 
XXXX, GA, XXXX XX/XX/2022 faxed to XXXX Confirmation via fax XX/XX/2022 certified mail, Delivered, XXXX XXXX XXXX at Postal Facility. Your item was picked up at a postal facility at XXXX XXXX  on XX/XX/2022 in XXXX, GA XXXX. 

XX/XX/2022 fax, Delivered to XXXX confirmation via fax XX/XX/2022, XXXX fax to XXXX confirmation via fax Equifax needs to follow federal protocol and remove this account. Additionally, they have failed to respond within the 30-day timeframe.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.
Consumer complaint received 2023-02-27
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. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I made XXXX {$700.00} payments on XXXX separate credit cards held by Capital One XXXX. The payments were sent through my XXXX XXXX XXXX XXXX account. XXXX was sent electronically and XXXX by standard mail. The one sent electronically was received and posted to XXXX of my XXXX credit cards. The other ( sent by mail ) was not received according to Capital One. I stopped the use of my Capital One credit cards until this issue was resolved. 

I had XXXX, XXXX conversations with XXXX XXXX and Capital One. Capital One continued to represent that they had not received the payment which was mailed. It was sent to Capital One Investigation Department. XXXX times I provided all the information requested by the Department. 

Capital One claims that they provided a temporary {$700.00} credit ( which I never touched ). On this past Thursday they posted my {$700.00} payment and the very next day they removed my {$700.00} back saying that it re-paid the temporary credit.