davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

This is the second time within the past six-eight months that Convergent has sent me notification about a debt I never owned. I brought the matter to the CFPB and it was removed from my credit report. Now they are at it again. 

I never purchased, scribed, sponsored or gave anyone permission to get service or a phone from XXXX XXXX. They claimed I owe {$1000.00} to this company. I do not! 

My credit score has improved and if they are allowed to introduced this again my score will be tanked again and it will set me back a second time for many months, even years.
Consumer complaint received 2016-05-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ XXXX/XXXX/2015 ]
Consumer complaint received 2022-08-10
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. (NJ)

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, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

We applied for a refinance from Cardinal Financial with XXXX XXXX on XX/XX/XXXX. We agreed to go with this company because XXXX agreed to adjust the Origination fee from {$890.00} to {$450.00}. There were so many delays, lack of follow up, and multiple requests for information that had previously been supplied that the closing did not happen until XX/XX/XXXX. We never asked for an extension, had wanted a timely closing. When the final Loan Document came I questioned the Origination Fee not being {$450.00} as promised, and on XX/XX/XXXX XXXX assured me it would be reduced. On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX I reached out to XXXX again, because the amount had not been adjusted. XXXX finally answered me on XX/XX/XXXX and said that they would not adjust the origination fee to {$450.00} as initially promised, because they waived rate re-lock fees. We never asked for an extension, always provided requested information the same day requested, and signed all documents immediately. I believe this is unethical, deceitful, and unscrupulous business practice and do expect them to stand behind their commitments.
Consumer complaint received 2022-08-10
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. (NJ)

I called the Experian after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the Experian credit bureau XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2019-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a XXXX veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.
Consumer complaint received 2017-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

As of X/XX/2017 Chase bank is making demands of payments at the close of my escrow. I had to sell my home as chase bank gave me no other option but a short sale or a deed in leu of foreclosure. I have equity in my home and never agreed to either of these options chase bank gave to me. I initially was not served properly the non judical foreclosure document which was filed in XXXX XXXX county, CA. Therefore, the XXXX estamated Attorneys fees to chase are null in void. Corporate Advances to Chase in the amount ofXXXX are null and void. All interest per demand will need to be negotiated as Chase is asking for XXXX, XXXX. Among other fees. Escrow balance advance in the amount of XXXX.
Consumer complaint received 2022-08-10
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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)

On XX/XX/2022 I submitted a complaint to the CFPB about Equifax manipulating my credit score and causing my score to drop XXXX points. What caused my score to drop XXXX points was Equifax falsifying information on an account that is included in a bankruptcy showing it with 4 late payments and being delinquent, all violating the automatic stay. On XX/XX/2022 Equifax responded with an Erroneous, False and Misleading response, all evidenced by my attachments. Count 1. I never disputed a bankruptcy. Count 2. Equifax claims to be disputing my complaint, their own records show there is no open dispute. Count 3. Equifax is preventing me from further disputing the account in question. Count 4. The account in question is showing 4 late payments and other false information on an account included in a bankruptcy. EQUIFAX IS IN VIOLATION OF THE FCRA 15 USC1681 AND 623 ( a ) ( 1 ) ( A ) AND 623 ( a ) ( 1 ) ( A ). NOW IS NOT THE TIME TO UPDATE THIS ACCOUNT, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX.
Consumer complaint received 2022-08-10
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. (NJ)

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 XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had a mortgage through Bank of America for a condo I owned in XXXX, MA. I sold the condo in late XXXX, and Bank of America sent me a check for {$3700.00} for excess funds in my escrow account. This was right around the time that we had a child, however, and I wasn't able to deposit the check before it expired. I called Bank of America in the spring of XXXX and spoke with someone who told me he would look into it. I then received a notice in the mail, dated XX/XX/XXXX, telling me that the first check had been canceled and that a new one was being issued and sent to me. I have never received this check. I have tried calling many times, but have not been able to connect with a real person. I also sent an email through the website several weeks ago and never received a response. I have both the account number and the case ID from the call.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX fraudulent checks were posted to my checking account, XXXX for {$5900.00} and XXXX for {$890.00}. Neither had any signature on them - the signature line was blank on each. Upon seeing that my account was depleted of funds, I reported the fraud to Chase and froze the account. They tell me it will take up to 30 days to hear back from the investigation and get my money back from the other bank, even though the checks are clearly fraudulent. They also tell me there is no system for me to track the progress of my claim, and they 'll let me know if they need anything else.
Consumer complaint received 2022-08-10
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)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Law Offices of Timothy M. Sullivan (OH)

I contacted the Offices of Timothy & Sullivan on today XX/XX/2017, to settle a past due debt that I have. I was advised that XXXX ( Provided no last name ) was assigned to my case. I spoke with XXXX, he refused to accept my offer, he also refuse to sent my request to their client. I advised XXXX since he refused that I will make other arrangements to pay the account. I then contacted the paralegal who was handling the account, XXXX who was every kind and helpful. After ending my call with XXXX I received a call back from XXXX asking ( more confirming ) my employer, my work number phone number. He then threatened to send a wage garnishment to my employer. I advised XXXX that I was working with XXXX, he spoke over me in a very rude and unprofessional tone. I eventually had to hang up the phone as he was being very disrespectful and demanding I pay the account today. I then realized that XXXX contact me on my work phone. I request the Offices of Timothy & Sullivan not contact me AT ALL. Any communication be sent via mail or from XXXX directly.
Consumer complaint received 2018-03-21
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: WELLS FARGO & COMPANY (GA)

WELLS FARGO DEALER SERVICE had pulled an unauthorized inquiry on my credit report. I did not do business with this company, not did I asked to have my credit report pulled. 

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ''
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I am financing a vehicle and I agreed to do an auto-pay so that the company charges my account the {$390.00} every month. 
I am in the market to buy a house and a credit specialist asked me, " Why I'm not making my car payments ''? 
My car company did not process certain payments and instead of contacting me about it, they just threw it on to my credit. 
Even though this is an error on their part, I was told that even if I pay the amounts that they did not process, they can not remove it from my credit.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (CA)

On XX/XX/2022, I paid off my account balance in full and requested for my card to be closed. On XX/XX/2022, Continental Finance assessed the monthly service fee. On XX/XX/XXXX, Continental Finance assessed the annual fee. On XX/XX/2022, Continental Finance sent billing statement stating that the card was not closed, and that the fees were assessed. On XX/XX/2022, I reached out to the company to no avail with no resolution.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I mailed a certified dispute letter to Equifax Information Services LLC on XXXX to investigate this incorrect/negative item and I haven't got a responds in the proper time frame.
Consumer complaint received 2024-02-26
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. (FL)

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 :
Consumer complaint received 2022-08-10
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following negativity : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX
Consumer complaint received 2023-04-17
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX5 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-08-10
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. (CA)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please FIX the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the accounts listed below : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$15.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided.
Consumer complaint received 2022-09-07
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.