davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

Went to open new phone service with XXXX I had my own XXXX XXXX  they broke my phone they gave me new phone they said my bill would be {$60.00} when I got first bill it was over {$160.00} I didn't renew they kept changing me each month I didnt have service
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

This debt was not even mine. My friend used my info when I was living with them and opened this account fraudulently. When I moved out they never changed this and screwed me over. This needs to be removed and forgiven as it 's ridiculous.
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC (CA)

I still see the following on my XXXX credit file : XXXX {$4200.00} Account : XXXX It was removed from my XXXX and XXXX file and needs to be removed from my XXXX XXXX
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NY)

I wrote to the creditors, Experian, XXXX and XXXX regarding credit inquiries on my credit reports approximately 3 months and I am still waiting to hear from them. I have asked them to provide written proof showing that I authorized XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX to pull my credit. I did not apply for any loans or credit card with these companies. I need these inquires to be removed from my credit report. I will be contacting the State Banking Commission regarding this matter.
Consumer complaint received 2024-02-21
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NH)

I purchased my home in XX/XX/2018 and have had issues with Shellpoint since. They paid my towns taxes 3 months late to start and had issues locating the check once it was supposedly paid. Most recently we refinanced with another financial institution and when issued our escrow refund, we were shorted {$100.00}. When questioned where my {$100.00} was, no one could tell me. 3 weeks later and they still can not figure out why the money was taken from my escrow. I also received a certified letter in the mail this weekend which was supposed to include my payment history, instead it included a different person 's entire loan summary. This is a huge privacy violation and I am also concerned that my information was sent to someone else.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (TN)

Roughly XXXX XXXX 2017 XXXX tried to charge me for breaking a contract. I contacted them and told them I did not sign a new two year contract. They insisted I did. I then asked for documentation showing this " alleged '' contract where I was informed I had done it over the phone. I then asked for verification. I said since you state that all calls are recorded and monitored I would like a copy of my call and was told no. I never received any service and REFUSE to pay for something I never signed up for. Since then they have placed my account in collections. I then contacted both XXXX XXXX and XXXX where I was told it would be disputed. I was sent a letter and absolutely nothing was done. I called again to ask why and they had no answer. I do n't know what I can do because this is effecting my life where I was turned down for mortgage. Please help. Thank you, XXXX XXXX
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Yesterday ( XXXX XX/XX/2020 ) I reported to CFPB that XXXX XXXX and XXXX XXXX XXXX are attempting to collect on a {$1000.00} account that is not mine. Today I noticed that XXXX/XXXX XXXX/XXXX  have transferred the account to Enhanced Recovery Company in the sum of {$1000.00} earlier this year. I have not opened accounts with any of these companies voluntarily. I reported this to XXXX  ( the only credit reporting agency showing this collections account ) using their Online Dispute Service on XXXX XX/XX/2020 but I expect no favorable resolution because they sided with XXXX before. I should also note that I have never received an account statement from XXXX, XXXX, or ERC. This is a continuation of my CFPB complaints XXXX and XXXX.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I previously had a Capital One credit card. Unfortunately due to circumstances out of my control I was unable to continue paying on the credit card. The account was charged off XX/XX/XXXX. Recently on XX/XX/XXXX Capital One reported the account as charged off but open with a balance over the limit ( {$4600.00} ) causing my credit score to drop XXXX points. I have disputed this more than once with XXXX. Although they say there was an update to my credit report no updates were made and the information still remains.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

XX/XX/XXXX Dispute initiated by customer Amount : {$630.00} Customer called Discover credit card 10 times to customer service, dispute, card fraud investigation XXXX. Customer received 10 different answers from different agents of Discover. At first, customer was advised to call back after 14 days after XX/XX/XXXX. Another was the credit will appeared and credited within 3 days which is XX/XX/XXXX. Another was the credit will appear on XX/XX/XXXX at XXXX EST. Another was the credit will appear 72 hours after XX/XX/XXXX. Another is the credit maybe will be posted on XX/XX/XXXX ... 
The credit has not been credited and appeared on the account. Customer has been a member for 20 years and it is disheartening to file this complaint.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I returned two items to the XXXX store and XXXX got refunded onto my card this was on XX/XX/20 since its an unemployment prepaid Bank of America card az unemployment only allow them to load the card so the card got flagged for fraud Ive been calling everyday since XX/XX/20 verifying myself and saying its not fraud even going to a Bank of America branch on XX/XX/20 I was on the phone with the risk department and she didnt want to give the number to the bank manager so the bank mgr said to call her ok she never calls I call back and she noted in the account that she gave her a non working number which is a lie I just want to get this resolved.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I reached out to Experian on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit report refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. 


XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived. 
Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c XXXX the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from XXXX XXXX, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by XXXX XXXX, and not only, since 2019!
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2021 I attempted to make a purchase at XXXX for a laptop for my son to use as he is doing remote learning and needs the device. I called the number in the back of the card and the automated service stated my credit limit is {$1000.00}. I checked my credit report through my bank as this service is free and noticed a credit alert. The alert indicated I had a credit decrease from XXXX rewards. XXXX reward decreased my credit from XXXX to XXXX on XX/XX/2021. I immediately contacted customer service, as I never received any notices. During the call I was told the creditor decided to decrease my credit. I asked why I was not sent a notice nor did I receive email or letter etc, as Ihave been a loyal customer for years who have never been dilenquent, always paid on time and my credit is in good standing. I was told by the representative that they do not send notices and can decrease or close without warning nor alert. I explained to the representative that during this time I have been depending on my credit and would have made a decision have I been alerted on my posible credit change. The representative offered no help with this matter, simply stating the company does not have to send a notice of their intent to the customer.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Ive been a Barclays customer for several years ; this card is one that I no longer even have in my possession. 
A few months ago, when I called Barclays to get an updated card issued, they couldnt even look up my account. 
Then recently, Barclays charged me an annual fee and ended up marking me late when that fee was not paid. 
There has been no activity by me on this card. I had been travelling and did not have access to my mail. 
I had no ideal Barclays was going to put this annual fee on there. 
Upon returning I paid this fee off, but Barclays failed to remove the late payment. 
I was also not sent any notice of adverse reporting as required by law. 
I am requesting Barclays remove the XXXX late arising from this annual fee issue
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Bureau of America Ltd. (CA)

I received an email from XXXX Customer Service. This is the company XXXX has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Ive tried several times to get a credit card limit increased but Capital One Credit Cards denied each request. Although I have an excellent credit and payment history, Capital One says my payments are too low. That reason is ludicrous! I make on time payment which are either amount due and/or {$10.00} over minimum due. I do not understand they provide a minimum due on due date and states we will not increase limit because you paid what told you to pay by due date. Doesnt make sense!
Consumer complaint received 2021-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I contacted XXXX TRANSUNION, and XXXX  on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person XXXX, TRANSUNION, AND XXXX  had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, demand that XXXX, TRANSUNION, AND XXXX remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore they have 4 business days, and Congress states EVERY day is a business day, to remove this " XXXX '' account from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc. (CA)

A person by the same first name as me is showing up on my consumer report. We have different last names and I do n't know this person. Previously, in the past 2 months I have received phone calls from marketing companies asking for this person. And last week I received two pieces of mail addressed to this person.
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (TX)

Today, I filed Complaint # XXXX involving XXXX  with Consumer Financial Protection Bureau ( CFPB ). XXXX deemed the complaint quickly as duplicate by end of day. I was submitting XXXX NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank sent me a letter in XX/XX/XXXX stating we are closing all your credit card accounts. I have called them many times to find out why and all they say is we decided to close your accounts but we can not give you the reason why we are.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (IL)

Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called CASH LLC. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX BANK OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with CASH LLC XXXX XXXX Bank or any of their affiliates. 
I am requesting that CASH LLC and XXXX Bank or any of their affiliates should remove such negative and false statement from my credit report
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, XXXX, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.
Consumer complaint received 2019-05-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Im 2013 my car was vandalized and my insurance paid over XXXX for the repairs. I was told to sign it and mail to the lien holder and then they would pay for the repairs to XXXX. They never did and for over XXXX years I paid for a car payment of XXXX. I was unable to drive and was under non operational vehicle with DMV. Capital one told me for over two years they didnt know where my money was and finally I got a call from a man who investigated it. I then w got my car painted with a XXXX check and it appears to look grey and not silver. Capital One offered me to get a new car but the dealership would not take it as a trade in as the damages would be too costly and it t was of no value due to them not having it painted correctly from the repairs insurance money. The car is not in great condition and its have already spent over XXXX on the car and Capital One is still insistent on me paying XXXX which most of is interest and late fees. Im not paying anything as they ignored me since 2013 and I made my payments faithfully even though I could not drive it. Thats over {$7000.00}. All I asked them is to write it off and give me my title but they would never get back to me. I would call but no resolution.
Consumer complaint received 2017-11-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I was charged a monthly maintainance fee of {$5.00}, but I kepted the minimum required balance of {$300.00}. At the time I was charged, my balance was {$300.00}.
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

Date:XX/XX/19 I didn't receive any notifications, I only saw my credit score decrease and when I checked why, I saw I was in a public debt collect agency. The amount I owed was {$170.00} usd. I called the agency and may the payment and two month ago it's still open.
Consumer complaint received 2017-11-25
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: JPMORGAN CHASE & CO. (FL)

Dear Sir/Madam : I have been in the XXXX Credit Fraud. I have had XXXX credit inquiries by XXXX XXXX XXXX for XXXX. XXXX was on XX/XX/XXXX and XXXX was on XX/XX/XXXX. I  called Chase Bank and they notified the Credit Bureaus and I have personally sent in the letters from Chase Bank. They are still on my report. 

Fortunately, I had another attempt but it does not show as my credit is locked. 

I find this so disheartening as I have worked my entire life for a good credit report and I am now constantly having to worry about these attempts. 

XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXX XXXX Balance : {$420.00}