davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (PA)

I used XXXX XXXX  for a bit and closed the account 6 months later. On my EarlyWarning it said it was closed for cause. I'm not sure why. I went in the bank and closed the account myself and never owed the bank any money. I'm trying to open a XXXX account so I have easier access to my money in XXXX but I can't open one with this EarlyWarning report.
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

citibank contacted me several times about needing information for my accounts. i called them back at least 5 times to ask what they needed. they kept telling me they would check into it and never did. they ended up freezing my accounts for over a week and checks were bouncing. they finally fixed it. to keep my accounts open, they want me to give them so much information. many of the questions seem intrusive. i have had these accounts for 25 years there.
Consumer complaint received 2021-10-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are fully open not after dealing with a pandemic. There is no excuse for them not to respond to the letters i have sent. This letter i have attached is 1 of many. I've asked them to respond to me. it's been well over 30 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame and the have certainly exceeded that time Frame
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (IN)

XXXX XXXX of GC Services Limited Partnership contacted my place of business on multiple occasions. XX/XX/XXXX was the last occasion, where I actually called her back, and informed her that the number she was calling was my place of employment, and that her continued calling was going to cause me difficulties at work. Apparently, this was not enough for XXXX XXXX, as she called once again on Monday, XX/XX/XXXX. I again informed her that she was not to call my office, and that by doing so she was violating the Fair Debt Collection Practices Act.
Consumer complaint received 2021-10-27
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: General Motors Financial Company, Inc. (CA)

I wrote a few letters to the creditor and the bureaus regarding some lates reported on my accounts and they have not responded or fixed the error. I don't feel like this was my fault, I submitted proof that they funds were available when the payments were due but they were trying to take the funds from an account that was no longer active. All I want is that they fix the error and remove the lates reported on my credit report.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TN)

I get a daily call from " XXXX '' letting me know that I am eligible for a zero % interest rate and I must accept the call in order to prevent my card from being cancelled. The number calling is XXXX
Consumer complaint received 2021-04-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (OK)

In XX/XX/2020 I called Dovenmuehle Mortgage to update them on my XXXX veterans property tax exemption, it took till XX/XX/XXXX for them to correct my escrow accounts, then they sent a property tax payment to my county treasurer anyway even though I did not owe anything, fast forward to XX/XX/XXXX I called and they told me they sent me the tax overpayment out to my address on XX/XX/XXXX, when I didnt receive the check I called them back and they told me they deposited in my escrow account but would do a analysis and send me the overpayment, Ive been calling them every week and they keep telling they have expedited it and it would be resolved, called again today and still telling me they will fix it and expedite it, for seven months of dealing with there lie after lie I can only assume there trying to hold on to it for as long as they can since they make interest on it and I believe that is illegal, not illegal to make interest off my escrow account but to make interest off my money that dont belong to them, ( XXXX $ ) is what they owe me.Hopefully you can help resolve this for me thank you.
Consumer complaint received 2018-05-17
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 filed an Identity Theft Report with the FTC # XXXX because neither Equifax nor XXXX will provide validation or verification of identity. I have tried numerous times with certified letters to get this resolved with both Equifax and XXXX but it continues to report false and incorrect information on my credit report and keeps sending me documentation with inaccurate data showing it belongs to someone else. I have also had a fraud alert placed on my credit reports until this issue is resolved.
Consumer complaint received 2018-04-24
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

THERE ARE ALOT OF FRAUDULENT INQUIRIES IN MY CREDIT REPORT. I HAVE REPORTED IT TO THE BUREAUS BUT I DID NOT RECEIVE ANY RESPONSE.
Consumer complaint received 2022-06-19
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)

XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX  XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.
Consumer complaint received 2022-06-19
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)

XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.
Consumer complaint received 2022-03-05
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: U.S. BANCORP (CA)

US Bank continues to submit fraudulent information suggesting I had a credit card in my name opened with them. When pressed to provide me with the application, opening date and history, they were unable to do so. I explained to them that I work in the XXXX and have been since 2010. My personal information, including social security number was compromised and used in association with a fraudulent address/ XXXX XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX. I submitted police reports to support said fraud and misuse of my personal information. Still, this company has ignored all requests to stop all contact with me and remove the fraudulent accounts associated with name under the federal FCRA.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a Capital One Platinum Mastercard Secured Credit Card ending in XXXX under XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. I closed the account back in XXXX, 2018 and asked for the secured deposit to be returned. They said it would be a 14 day wait. I have called numerous times since then and am always told they will open up a ticket and I must wait 14 days more. The day before yesterday I was told on a recorded line that I would get back my {$200.00}. This is considered an oral contract. The next day when I called the new agent said they can not find the funds and refuse to send the signed receipts of charges against the account and said I needed to wait for another investigation to see whether I would even receive a refund.d This is considered a breach of contract. How could I have a secured credit card without funds behind it? I was on the phone yesterday for over 1 plus hours, transferred to four different departments and the last operator said she did not have a manager and could not transfer me to a person of authority. She said she would hand it over to yet a fifth department and I would have to wait and see. I have spent many hours on this project and have not received my own money back given in good faith. This run-around and getting different answers borders on illegal activity and certainly poor customer service and gives little accreditation to this institution and let the buyer beware before opening credit accounts with Capital One Bank.
Consumer complaint received 2018-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate the following three companies for illegally and knowingly violating consumer rights, to include illegal debt collection practices, knowingly reporting false information to the CRAs and several other FDCPA and FCRA violations. These are predatory companies and I am asking for your help in resolving not only my situation but ensuring an end to the abuse hundreds of others victims are enduring as well because of these unethical companies. 
RESURGENT CAPITAL SERVICES L.P, Located in XXXX SC or XXXX XXXX XXXX XXXX, Located in XXXX SC XXXX XXXX XXXX, Located in XXXX XXXX, NV IM REQUESTING THAT RESURGENT CAPITAL SERVICES / XXXX XXXX  PROVIDE ME THE FOLLOWING : THE ORIGINAL CONTRACT THE ASSIGNEE CLAUSE GRANTING THE RIGHT TO RE-ASSIGN DEBT. 
NOTARIZED PROOF OF SALE BETWEEN RESURGENT XXXX   AND THE ORIGINAL CREDITOR PROVING THEY OWN ANY ACCOUNT IN MY NAME. 


RESURGENT/XXXX NEVER MAILED ANY NOTIFICATION OR CONTACTED ME PRIOR TO REPORTING THIS ON MY CREDIT REPORTS. BY LAW A DEBT COLLECTION AGENCY MUST GIVE 30 DAYS WRITTEN NOTICE TO ALLOW ME TO DISPUTE THE DEBT AND REQUEST VALIDATION, WHICH I WAS DENIED PURPOSELY BY RESURGENT XXXX  IS BECAUSE THEY KNOW THE INFORMATION IS FALSE AND CANT BE VALIDATED OR VERIFIED. 

THE LETTER MENTIONED ABOVE WAS JUST SENT TO ME ON XX/XX/2018, GIVING ME 30 DAYS TO REQUEST VALIDATION OF THIS DEBT. See ENCLOSURE 2. THIS MAKES ZERO SENSE BECAUSE THEY SENT THIS AFTER I SENT THEM THE REQUEST FOR VALIDATION ALREADY ON XX/XX/2018. See ENCLOSURE 3. THIS ATTEMPT TO SEND ME A LETTER STATING I HAVE 30 DAYS TO SEND A REQUEST FOR VALIDATION AFTER I ALREADY SENT YOU THE REQUEST, INDICATES ANOTHER ATTEMPT TO IGNORE MY REQUEST FOR VALIDATION SENT ON XX/XX/XXXX. THIS LETTER SHOULD HAVE BEEN SENT TO ME SEVERAL MONTHS AGO PRIOR TO REPORTING THE DEBT, NOT AFTER I ALREADY SENT THEM A REQUEST TO VALIDATE. 

Please help me in resolving these issues, Thank you for your consideration. 

Very Respectfully,
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

FAIR COLLECTIONS AND OUT Last reported : XX/XX/2018 + {$5500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 - {$1500.00} XXXX XXXX XXXX Last reported : XX/XX/2018 + {$360.00} This account need to be taken off my credit didnt authorize this Im a victim of identity thief so please have it removed
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a 1099C against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX. 

I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe. 

In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone. 

I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX. 

They have refused to listen to me or address my request for proof of a debt that is over 25 years old. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX. 

I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes. 

I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form. 

Fraud forms sent to me are from Convergent Outsourcing , Inc showing creditor as XXXX XXXX, XXXX
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I was denied credit by a consumer lending company for a purchase due to a freeze on my credit by Equifax. I tried to contact Equifax but there is no way to speak to anyone and there is no way to unfreeze a frozen credit account. There is only an automated phone system and when you direct it to send you to a person you go on hold for many hours and no one ever answers. It's diabolical. I never asked to have my credit frozen, and now there is no way to unfreeze it. There is no email to send an " unfreeze '' complaint. No one answers the phone at their customer service. There is NOTHING. This should be illegal! My credit is in the 800 's with all credit reporting agencies but I can't get credit because of this diabolical freeze at Equifax that they make it impossible to remove.
Consumer complaint received 2018-05-17
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. (OH)

On XX/XX/XXXX, I received an alert from my ID Credit Monitoring that a company by the name of XXXX   XXXX made an inquiry on my credit report without my prior oral or express consent. This unauthorized inquiry lowered my Equifax credit score. On XX/XX/XXXX, I filed a dispute with Equifax. On XX/XX/XXXX, Equifax sent a resolution of the dispute confirming that there is nothing that they can do. On XX/XX/XXXX, I spoke with an Equifax representative who told me that she could not do anything about the unauthorized inquiry.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (PA)

I sent a letter to XXXX XXXX XXXX, XXXX to stop contacting me by phone or mail. Also, I received 2 1099-C forms saying that 2 amounts were discharged XXXX and {$810.00}. I received this after the statue of limitations.
Consumer complaint received 2018-12-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am filing this complaint because Equifax ( credit file confirmation # XXXX ), XXXX  ( credit file # XXXX ), and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2018-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint because XXXX  ( credit file confirmation # XXXX XXXX, Transunion ( credit file # XXXX ), and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-12-23
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. (FL)

I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.
Consumer complaint received 2018-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NJ)

On or about XX/XX/2018 approximately XXXX hours. I received a phone call from XXXX XXXX of NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA. The agent XXXX XXXX stated I owed XXXX XXXX {$3500.00}. I explained to the agent the debt is fictitious, and to cease and desist all communication with the aggrieved party XXXX XXXX. I have no contract nor engaged in commerce with NATIONAL CREDIT SYSTEMS or any subsidiary. The agent taunted, became belligerent and before hanging up abruptly! The agent ( XXXX XXXX ) stated " That's why it's going to be placed o your credit report ''. On XX/XX/2018, I forwarded a CEASE AN DESIST letter to : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, XXXX. to the attention XXXX XXXX. On XX/XX/2018, I received notification from XXXX XXXX and XXXX  that NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA indicates I owe {$3500.00} in debt. This shows the malicious and criminal practice of this company. I have no contract and never engaged in commerce with the criminal organization. The company has committed a crime against the XXXX XXXX XXXX along with using subversive tactics to prevent any dispute of this fictitious claim.
Consumer complaint received 2018-12-16
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. (GA)

Accounts had been opened in my name as well as inquiries, my information has been compromize in recent data beaches, an FTC report had been filed and a police report # XXXX. 
Please block these information from my credit file.