davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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. (NY)

My name is XXXX XXXX, I am of sound mind and age of majority. XXXX, XXXX furnished incorrect private information about me to credit reporting agencies. I am deeply saddened by the effect it has had on me as a consumer protected by federal law. Please see the attached proof of XXXX, XXXX requesting the aforementioned information to be deleted.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

In XXXX of XXXX, I switched my cellular services from XXXX XXXX to XXXX. I activated under a Bring Your Own Device plan, and did not purchase any equipment. I was told this was a MONTH TO MONTH, contract free plan and never signed any contract. I had XXXX until XXXX of XXXX and ported two lines to XXXX, as XXXX 's service was poor at my home, and despite spending {$250.00} on a network extender, had continual service problems. XXXX also engaged in slamming constantly increasing my bill starting in XXXX. The company failed to provide and answer as to why taxes and fees were increasing. 

In XXXX, I received my final bill of {$88.00} which I paid in full. Later that month, I received an additional invoice for {$350.00} which XXXX claims was for " early termination fees '' because I cancelled my service before a " mandatory one year agreement '' that I never signed. I attempted on three different occasions between XX/XX/XXXX and XX/XX/XXXX to get XXXX to credit this and disputed this amount. 

On XX/XX/XXXX at XXXX hrs I received a call from XXXX which lasted XXXX from a company identifying itself as Convergent Outsourcing , Inc. claiming to be a debt collector on behalf of XXXX. I explained to two different people that I do not owe XXXX anything and that I officially dispute this under the Fair Credit Reporting Act as not a valid debt. I was told that per their records, the debt is valid as the outstanding balance was for a failure of me to adhere to the agreement to maintain service for 1 year. I explained I never signed a contract, did not purchase a device under a payment plan, and was on a month to month plan and fulfilled all my financial obligations with XXXX and transferred both my lines to XXXX 

I instructed them to cease and desist contacting me as this is not a valid debt and I believe in good faith that XXXX and it's third party agent, Convergent Outsourcing, is engaging in fraud trying to get me to pay money I do not lawfully owe. Furthermore, when I stated I would take legal action as is my right under the FCRA against anyone who places negative remarks on my credit file with the three credit agencies, I was then offered to settle this for a lower amount by " knocking a XXXX dollars off ''. 

I refused and requested a supervisor. The supervisor was rude, and asserted I owed them the money. I once against again told them to cease and desist all contact as this is not a valid debt. I have also attempted, in good faith, containing XXXX at XXXX on XX/XX/XXXX at XXXX and representative XXXX said she could not do anything and transferred me to " billing '' which brought me right back to the above named firm. 

It is my belief that this company is engaged in fraud and I have also reported them to the Georgia Department of Consumer Affairs as well as XXXX, who demonstrate ZERO good faith in resolving their error.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (NY)

I have requested XXXX and equifax to look into the XXXXXXXX XXXX  collection on my report. XXXX deleted both of these accounts due to being unable to verify but these two are refusing to properly verify. I had all three times requested VALIDATION of these accounts. By law I am entitled to see how they validated these accounts as well as to have fair and accurate data reported. To date both companies respond verified which does not show how they validated. I want to see a contract with my signature on XXXX letterhead showing I owe them. On top of this both companies report different information on the account XXXX vs XXXX. My second XXXX account of XXXX shows individual owes but yet if they would of validated as I requested they can see it was NOT my debt ever! 

I am including a copy of last correspondence to show proof of inaccurate information being reported. 

XXXX already deleted BOTH accounts due to no validation. Follow suit.
Consumer complaint received 2022-08-22
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. (MO)

This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.
Consumer complaint received 2022-08-13
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-02
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. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (UT)

I had reported to chase that I had charges on my account for different amount on the same date and to the same company XXXX XXXX.which is a prepaid card. The transactions are XX/XX/XXXX XXXX XXXX  {$7.00} {$7.00} XX/XX/XXXXXXXX XXXX XXXX {$15.00} {$15.00} XX/XX/XXXX XXXX XXXX {$19.00} {$19.00} XX/XX/XXXX XXXX  XXXX {$31.00} {$31.00} XX/XX/XXXX WIRE TRANSFER MONEY ORDER {$100.00}. {$100.00} XX/XX/XXXX WIRE TRANSFER MONEY ORDER {$350.00} {$350.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX CA If this is a prepaid card how can I have a negative balance. 
Balance on XX/XX/XXXX {$67.00} {$1100.00} - {$1000.00} XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I didn't make these transactions..
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Health Corporation (KY)

Week of XX/XX/2022 received letter to request validation of debt from the law offices of XXXX and XXXX by way of Hillcrest credit agency. That same week I sent back by way of certified mail i sent the request to validate several of the debts. Thier letter stated that if they were responded to before XX/XX/2022 they would stop any collection on any amount I dispute until they send information that shows I owe the debt. The same week they also filed a court order with courts, going against their own statement in the letter. I responded with an affidavit of validation to the courts once served I was served on XX/XX/2022, ( which was filed on XX/XX/2022 with the court ). I have yet to be contacted, nor contacted with validation of the debt from XXXX and XXXX. 

It has been four months since first asked to validate the debts with no communication back.
Consumer complaint received 2021-12-02
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)

My name is XXXX XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hi- I have been a victim of a check-cashing fraud where my original XXXX XXXX  payable to one of my vendors was altered and cashed by Bank of America , remitting cash to a payee other than who was originally intended. This occurred in XX/XX/2021 with a value of {$33000.00}. I bank with XXXX, submitted an affidavit through their fraud department and was told the corresponding bank ( BoA ) has up to 120 days to respond to the fraud claim. This 120 days expired at the end of XXXX, Bank of America has not responded to XXXX and XXXX is telling me there is nothing they can do. I'm a small business and this is a significant amount of money. I've tried to escalate to XXXX Executive office and they claim to be at the mercy of a reply from BoA.
Consumer complaint received 2022-08-13
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)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (MA)

Comenitys website has been done for 10 days. Said it was a maintenance issue. Phone number isnt working. I cant check for accuracy on charges. Suggests using easy pay but that link doesnt work either. I have XXXX XXXX XXXX accounts
Consumer complaint received 2021-12-02
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Equifax Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-02
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. (NJ)

I know according to the Fair Credit Reporting act consumer reporting agencies have the sole responsibility in reporting 100 % accurate information. Upon looking over my credit report I noticed alot of inconsistencies that aren't 100 % accurate. 

Please Update my consumer report as follows...
Consumer complaint received 2022-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

My payments are made on the XXXX of each month by XXXX XXXX  arriving within 3 days yet every month Shellpoint sends me an e-mail around the XXXX stating my payment was not received. How is this possible? I have sent numerous letters to them including copies of my bank statement but they never respond back. They are the worst. They want to be paid thru " their '' on line system which I do not trust so I will continue to use my bank. Also, they keep stating I am a payment behind due to this months payment not being received? What is going on.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

requested my annual free credit report and was refused .I have received my annual free credit reports in the past from the 3 major credit reporting agencies albeit I had frozen my accounts because of the Equifax and other breeches.I then received a the following bizarre letter some weeks later. Please see attachment below. I have had no difficulties until now. My last installment loan was in XXXX from XXXX XXXX for an auto purchase.Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-07-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/2022 Charge : XXXX Merchant : XXXX XXXX : USAA Bank They started a dispute for a return the merchant did not want to accept of BRAND NEW PRODUCT, and then the merchant stopped communicating. USAA Then sided with the merchant saying it was a valid charge without further explanation, and after crediting my account, they charged me again. A multi-million dollar bank siding with the shady business instead of a 10-year loyal customer. While the merchants are being shady, the bank cover for them.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

I received a collections noted dated XX/XX/XXXX from Wakefield & Associates. On XX/XX/XXXX I replied to their notice saying that this is a debt I do not owe. I received no further response or communication with them. On XX/XX/XXXX I received another collections notice regarding the same debt from XXXX.
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

I got scammed by XXXX. It happened XXXX last year. I used Coinbase to convert dollar to XXXX to send to scammer. The scammer disappeared and my funds were lost. I contacted coinbase and tried to resolve. They weren't helpful. Hence i am filing the complaint. See attached letter for details.
Consumer complaint received 2019-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

A new privacy notice was received from DiTech Financial. The customer elections were to be sent to XXXX XXXX XXXX  XXXX, c/o Ditech Financial , LLC , XXXX XXXX XXXX XXXX, XXXX, AZ  XXXX. The enclosed return envelope is addressed to DiTech Financial , LLC, Customer Service, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

This is an action that is typical of the inattentiveness that is characteristic of this company.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act, XXXX. XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX, CHILD SUPPORT XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX & XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-07-11
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: Rocket Mortgage, LLC (NY)

I reached out to rocket mortgage to get a rate quote. They asked for my & my spouse 's SSN and birthdates and pulled a hard credit report without allowing us an alternative. We just wanted to get a rate quote and did not plan to apply for the mortgage yet. This has damaged our credit scores.
Consumer complaint received 2022-06-28
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. (GA)

I have several unauthorized inquiries on my XXXX from XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I reached out to XXXX and disputed the information and was unsuccessful I also have several unauthorized inquires on Transunion from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I reached out to Transunion and disputed the information and was unsuccessful
Consumer complaint received 2022-07-02
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. (TX)

XXXX XXXX Equifax are continuing to verify my accounts & they are inaccurate. A proper investigation is supposed to take place before verifying each item is accurate which I know has not been done because Im supposed to be interviewed as well as my neighbors per the FCRA. A proper investigation needs to be done where theyre not investigating themselves & saying that they verified & its correct
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

The company called me the around XXXX threating me and was very rude refuse d to get me an manger stated my credit will be damage. I advice to do verification he refused and cussed me out ND HUNNGUP IN MY FACE THE LANGUAGE HE USED MADE WE FEEL UNEASY SINCE THEY IN FLORIDA TOO name of company is Hunter Warfield