davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

I have tried contacting this company multiple times. I have even disputed the account three times with XXXX  and XXXX. This account doesn't belong to me as I have never had any affiliations with Convergent Outsourcing or the account it is claiming to be collecting for XXXX. I have asked XXXX, XXXX  to ask convergent outsourcing for some type of documentation stating that I went into an agreement with them or to provide something with my signature authorizing them to report to my credit report. To this very day no one has provided me with the requested documentation yet, it is still showing on my credit report. A collection bill is not proof as it has no signature on it from me and since they can not provide me with the proof this account needs to be removed immediately as it is a violation of my rights.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (IL)

As a consumer and the original creditor, I am exercising my specified remedy. XXXX, XXXX, EQUIFAX has violated the law. This position was filled by XXXX, XXXX, EQUIFAX. According to 15 USC 1692a ( 3 ), I am the consumer, and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report. XXXX, XXXX, EQUIFAX is failing to uphold their grave responsibility to ensure fairness, impartiality, and respect for the consumer 's privacy under 15 USC 1692c ( c ) ( 2 ). 
XXXX, XXXX, EQUIFAX violated 15 USC 1681e ( A ) ( B ) ( C ) ( D ) and is still violating the FCRA. According to 18 USC 8, I am not in debt. XXXX, XXXX, EQUIFAX violated my right to privacy as a consumer in violation of 15 U.S.C. 1681b2. XXXX, XXXX, EQUIFAX has no authority to report ANYTHING based on the information I provided. ANYTHING that makes use of my information in accordance with 15 USC 1681A. The account in question are XXXX XXXX ( LATE PAYMENT ). My consumer rights have been violated, and I am seeking restitution. If XXXX, XXXX, EQUIFAX does an investigation or reinvestigation, I want to know the names, badge numbers, and addresses of the people they speak with in order to verify the late payments. I require a signed affidavit under penalty of perjury from anyone with first hand knowledge to whom XXXX, XXXX, EQUIFAX speaks with, assuming the late payments are validated. If I do not receive signed affidavits from everyone XXXX, XXXX, EQUIFAX contacts, I want all late payments removed from my credit profile as soon as possible. Please send everything to my registered address.
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (TX)

I am struggling to pay my mortgage. I have enlisted the help of a realtor to sell my property via short sale. They have sent the offer and all required financial documentation to HomeLoanServ multiple times, to multiple fax numbers and email addresses, since XX/XX/XXXX. Still, HomeLoanServ has yet to acknowledge receipt of the documents and begin the short sale review. Each time they are called, they give a different fax number or email address. On XXXX the complete package was emailed to XXXX and XXXX. On XX/XX/XXXX we received a request from " XXXX XXXX '' of HomeLoanServ to resend some documents, which were promptly returned to him at XXXX, but he never replied. By XX/XX/XXXX the customer service reps advised that they did not have any of the documents, which is different that what was received via email from XXXX XXXX, and asked us to resend all documents. On XX/XX/XXXX they were faxed to XXXX and XXXX, and emailed to XXXX. As of XX/XX/XXXX they claim to still have received no documents, so the entire short sale package was sent again to XXXX and XXXX, and emailed to XXXX as well as the new email address give to my agents of XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2021-10-14
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. (TX)

I have been disputing for several months with Experian & XXXX items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. XXXX XXXX {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting me.
Consumer complaint received 2020-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (IN)

The company is GLA collections and the debt owed on my credit report is XXXX. I did call to ask about the debt to be takin off my credit report but for some reason they say it cant be. The date they have it open is XXXX of XXXX. I was XXXX from XXXX. I havent been to a hospital since last year when I had a XXXX. Prior to that I could actually speak on when I went. I dont understand how these debts continue to pop up when they are more then 7 years old. I have disputed many times and somehow its not been takin off there. I attempted to call just to try and make some kind of pmt plan to have it takin off there unless paid in full they would not. All Im tryin to do is get my credit in good standing. I believe it should be takin off my credit report. There was several more on there that was disputed and removed but the way they talked they would just reopen and have them put back on my credit report. Its now XXXX and Ive not been to any hospital. So some of these debts they have are while I was XXXX  and thats not possible. They should be removed and stay removed. I dont see how a debt can continue to be reopened or put onto my report after Ive continued to dispute the items.
Consumer complaint received 2023-03-29
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX 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
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (SC)

Ive contacted this company several of times attempting to settle this debt owed. On, today XX/XX/XXXX at XXXX I spoke with an agent by the name of XXXX XXXX in which he gave me on a monitored and recorded line, stating that Ill receive a settlement letter sent via email today before my payment is processed on tomorrow XX/XX/30. The only letter that I received was a confirmation letter in regards to the payments set up. Being that Ive been given deceptive information several of times from this company I am requesting this settlement letter to be sent before any payments are taken out of my account and I want this item removed from my credit as the agent who set up my settlement stated. Otherwise I will be forced to seek further action ( s ).
Consumer complaint received 2020-08-30
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: CREDIT ACCEPTANCE CORPORATION (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
Consumer complaint received 2020-05-18
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. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-10-29
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. (TN)

upon reviewing credit reports from all 3 agencies I noticed a bunch of unknown inquiries that are on my report and remain on there even after numerous disputes. I am beginning to think the credit agencies are ignoring my requests by taking shortcuts and not actually verifiying info because I keep getting the same generic answer for every dispute despite not being provided any documentation or proof such as forms with my signatures or authorizations. 
the following inquiries are as such transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

Greetings, I am a customer of XXXX, CitiBank and XXXX among others. 

I have credit cards with them. I have been struggling to make my payments because of the pandemic. They refused to lower my interest rate ( XXXX and XXXX have done it ), even though most financial institutions are obtaining access to money for very little or no interest in order to pass this to the consumer and help the people with this pandemic. 

They have not offered me any serious relief nor assistance. 

Please assist. Thank you, XXXX XXXX
Consumer complaint received 2023-04-06
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: AMERICAN EXPRESS COMPANY (IL)

I have been disputing since XXXXthey have not reviewed documents sent from merchant. The dates listed on gift vouchers are for hotel supplies and were made on dates we were not in country..and if they would go back to when I first reported I have never said anything about gift cards. Why would we go to XXXX  XXXX and spend {$17000.00} on gift cards to purchase hotel cleaning supples on dates we were not there and do not match the date I reported??? The merchant is falsifying receipts not to mention we never received the goods they claim we purchased. I have sent 2 police reports and still nothing. Help!!
Consumer complaint received 2021-08-19
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: Experian Information Solutions Inc. (GA)

I had an account with XXXX XXXX XXXX account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, EXPERIAN AND XXXX XXXX and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, EXPERIAN AND XXXX XXXX and each time the credit bureaus report the account is verified as ACCURATE via XXXX XXXX XXXX As a result, I have disputed this account directly with XXXX XXXX XXXX via letter and via phone calls and each time, XXXX  XXXX  XXXX states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and XXXX  XXXX XXXX continues to ignore my requests. 

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via XXXX XXXX XXXX With the continued evidence and detailed disputes, XXXX  XXXX XXXX and EXPERIAN XXXX XXXX XXXX continue to verify the account as accurate. I have included the letters I have sent XXXX  XXXX  XXXX with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition XXXX XXXX XXXX violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST Me
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I had an auto loan with XXXX XXXX  and it is now Paid in Full as of XX/XX/2020. I received a letter from XXXX XXXX  confirming and verifying that my auto loan is now paid in full however, it is not reflecting on my credit report as paid in full.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MIDLAND FUND. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KS)

Chime bank consistently goes completely down to where we can't access our funds, make payments, transfer funds, or even see our account information. If this was a one off thing it would be different and somewhat understandable. This happens at least once or twice a month now. Having a banking system go completely down like this is unfair and scary and in some circumstances, significant damage to someones life. Imagine having a job interview and your low on gas on the way there. You stop to get gas with the money in your debit card account but you can't access it and become stuck at the gas station and miss the interview. What is happening is not an oops ... sorry, our bad situation. This is serious and needs to be handled by our regulators that we trust. Letting something like this happen over and over again is not only complete mis-mangement on Chime, but also the regulatory agencies that oversee them. FIX IT. No other banks do this constantly. FIX IT. The most recent date this has happened is today XX/XX/20 beginning around XXXX CST. This can't be allowed to keep happening.
Consumer complaint received 2021-04-08
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: PENTAGON FEDERAL CREDIT UNION (TX)

I have received a notice of a hard inquiry by Pentagon FCU on XXXX XXXX however I did not authorize this inquiry. I have made no attempts to open an account with them and this is unauthorized. I have tried to contact them several times but I get no where as no one seems to know what is going on.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have sent letters and they refuse to send me any documentations that I request that show proof pursuant section 15 USC 1681a ( 2 ) ( i ), 15 USC 1666b and 1637 ( b ) and 15 USC 1681s-2
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I am submitting this complaint against JP Morgan Chase I am submitting a complaint against JP Morgan Chase Bank. In XX/XX/2020, I started a loan process with the Bank. All were going great. I was awarded a decision to close. But a few events were striking that made me doubt the helpfulness of some employees of the employees who were working on the case. 

For instance, the underwriting staff took many days off without ever communicating to me ; one employee told me that he could not confidently award me a mortgage because I have no solid income. I am making enough to be qualified for a loan more than what I was seeking from JP Morgan. 

When I reached out the manager, I was told all was perfect and the loan will be finalized by/in the following week. During the next few weeks, contact was minimal, and I was never told about the need to extend the loan commitment. The process was dragged, and I kept asking for extensions while they continued to extend the closing date, which was scheduled to be on XX/XX/2020. 

After 3 extensions, I realized the possibility of getting a denial was very likely. When I realized that my earnest money deposit was in jeopardy, I told JP that I had no more documents to submit, and thus they have had to make a decision based on the ones they had. By then, I already submitted bank statements, contracts, homeowner 's insurance, flood insurance - all which were requirements for approval of the loan. 

Chase failed to uphold its stipulations. The loan was denied. When I found out from my realtor that the EMD was subject for seizure by the sellers ' agent, I reached out to Chase to provide me a letter of denial so I could safeguard my deposit. I received the decision of denial by Monday, the XXXX of XXXX. I promptly asked for the letter. After many failed attempts to get a copy of the letter, I threatened to hire a lawyer. Until then the manager reached out to me. I received the letter on XX/XX/XXXX. By then, {$9800.00} dollars were subject to seizure. 

I want the Bureau to look into this matter because it seems that this is negligence. While I will not say this is racism, a XXXX friend of mine applied for a slightly higher loan, with less income, and was granted the loan. 

Thank you
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I am tired of doing all the leg work. I emailed the company and asked for a call from Senior Management members and asked for them by name and no response or call. Once again on my credit is ruined my credit and my reputation. I want to come to some sort of amicable resolution, but this has been the hardest task I have had to deal with in my life. I need for my communication to reciprocated versus just hitting my credi. From my perspective Americcollect version of good luck and we do not care.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NM)

I have been trying to fix a problem with my Equifax. XXXX XXXX  XXXX account for over a year. I now have 2 accounts. 1. '' XXXX XXXX  XXXX '' and 2. " my Equifax ''. Both of the accounts I am unable to access online and when talking with customer service I have been given the runaround at least 6 different times. Every time I speak with them they tell me it will be resolved, and each time I try to access the account I get an error message to call in. Each time I spend at least 1.5 hours on the phone with them and still nothing is resolved!
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have been trying to get a home loan, but my lender told me that they received a fraud alert notification on just my Equifax, the other bureaus released my credit with no issues. I contacted Equifax for the first time in XXXX. On XX/XX/2020 I called Equifax about the issue and they said that I do not have an account with them, or they do not have my correct information. So I sent my driver 's license, social security card, and current address with a cover letter explaining that I wanted to verify my identity and remove the fraud alert from my account. I received a letter XXXX XXXX from Equifax stating that I still do not have a file with them and it could be because I have not had a credit line.This is false because I have a car loan from XXXX XXXX XXXX XXXX XXXX and I have student loans. I called them again on XXXX XXXX to see what else I can do, and they said to call my bank and make sure they are reporting to Equifax. I called my bank on XXXX XXXX and a representative told me that they do report to all three credit bureaus including Equifax, they also sent me a letter confirming my car loan and on time payment history. Equifax says there is nothing they can do because I have no credit file.