davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CT)

This complaint is based on violations of the FDCPA by this debt collector, Convergent Outsourcing ( Convergent ). 

___ On XX/XX/2020, I reviewed my credit reports and saw a collection account reported by this debt collector. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

___ On XX/XX/2020, I disputed the debt directly with this debt collector by certified mail. I asked them to validate the debt. 

___ XX/XX/2020, I disputed the account thru the credit reporting agencies. 

___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.

___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.

___ On XX/XX/2020, this debt collector mailed me their purported validation of debt. However, they falsely back-dated their letter inside that envelope as if that letter was written/mailed on XX/XX/XXXX ( before they " verified '' the account to the credit bureaus ). I have attached a copy of the envelope which was stamped by the US Postal Service proving this was mailed XX/XX/XXXX, no where near the date of XX/XX/XXXX. I have also attached their falsely back-dated cover letter.

___ This debt collector falsely back-dated their letter to conceal their  illegal behavior of verifying the account to the credit bureaus before they validated the debt. 

___Based on the aforementioned facts ( and supported by the attached proof ), Convergent engaged in following violations of the Fair Debt Collections Practices Act : ___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the debt by verifying/updating the account to the credit bureaus before it was validated. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ).

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt when they falsely back-dated their letter.

___ ( c ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt when they falsely back-dated their letter.
Consumer complaint received 2022-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (OH)

I have contacted the collection agency about this debt. Ask for documentation with my signature of it proving I won this debt, which they have failed to do. I tried to pay-to-delete just to resolve the issue and they could not agree to terms even after I asked to verify I own the debt. The sent an detailed copy of the charges, but not documentation with my signature on it. Have disputed with the credit reporting agencies and they can not provide how it was verified. They are also showing a past due amount
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX 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 719XXXXXXXX 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.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

RE : XXXX XXXX XXXX XXXX Bank of America loan # XXXX. Original mortgage XX/XX/XXXX for {$370000.00} w current principal balance {$300000.00} & Payment Deferral Agreement balance of {$43000.00} modified XX/XX/XXXX. 

On XX/XX/XXXX I was notified by XXXX that Bank of America reported change to my account : " Major Derogatory Account '' modified " Not under a Federal Government Plan ''. My loan is in fact a XXXX XXXX loan and I recently exited a authorized Forberance Plan approved by Bank of America. Please see " Congratulations on successfully completing loan modification agreement dated XX/XX/XXXX. Also find B of A Account Details as of XX/XX/XXXX showing account is current with no past due balance or fees owing, next payment due XX/XX/XXXX. I contacted Bank of America Credit Reporting Department on XX/XX/XXXX requesting they review this negative change to my credit report. B of A agreed to review opening a Case File # XXXX.
Consumer complaint received 2024-09-02
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. (MI)

I sent this request that the credit Bureaus reinvestigate the disputed Items from my credit report as well as correct or update these items from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 XXXXXX/XX/year>
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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.
Consumer complaint received 2024-08-27
Product: Credit reporting 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. (NV)

XXXX and Equifax has refused to send my credit report that respond with lyes and marketing techniques to get me to pay, I have sent proper copies of XXXX Bank Statements and proof utility bills ATTACHED these communication tactics to market and get me to pay is illegal and Consumer Finacial Protection Bureau has been on notice for years and you as a agency protect the companies etc NOT THE CONSUMER there is no excuse as well my email is the only thing that changed and holds no weight in mailing my reports XXXX is the only company that complied
Consumer complaint received 2020-10-08
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. (CA)

I received an email from Experian XXXX my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; Experian XXXX XXXX XXXX reports from " XXXX XXXX XXXX XXXX Original creditor : XXXX, ACCT # XXXX '', which XXXX / XXXX has hired a second, third party collection company after this account was removed from the other third party collection company " XXXX  ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " XXXX  '', " XXXX XXXX XXXX '' or " XXXX ''. This is my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA ( Fair Credit Reporting Act ) regarding your refusal to delete the FRAUDULENT account information from my consumer file. Your failure to REMOVE this account has hurt my ability to obtain credit.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (SC)

My wife XXXX and I ( XXXX XXXX XXXX ) refinanced mortgage on home loan in XXXX of XXXX. Went from Prime Lending, A Plains Capital Company to XXXX bank for my mortgage on home at XXXX XXXX XXXX XXXX XXXX SC XXXX loan # XXXX A disbursement check ( # XXXX ) from escrow was mailed out on XX/XX/XXXX in the amount of {$3400.00} from Prime. The check was lost in the mail and I received it in XXXX of XXXX and could not cash check because it was older than 180 days. I called Prime to reissue the Check on XX/XX/XXXX. XXXX indicated there was no problem and they would reissue check. 

I have been trying to get that reissued check for 2 months with no success. ( Prime claims there is a glitch in their system ) I have called Prime in excess of 10 times over this period. 4 supervisors over this period were to have called me with how they were going to expedite the check. Not one of these supervisors ever called. When I asked for a number I could call to get a supervisor I was told numerous times I would just have to keep calling the main customer service number and get transferred to a supervisor. This was not true. All call center reps work from home. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Prime loan # XXXX
Consumer complaint received 2020-05-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2021-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC (SC)

I filed a previous complaint against Benworth for lying about the funds being deposited in my account. Also, anyone can publicly view their nasty, unprofessional, mocking response on this website where they lied and said the funds are already in my account. They also appeared to be making fun of me. I created an account with XXXX  and what you see in the screenshot is proof that Benworth lied to the CFPB and did not disperse the funds in my account because the XXXX clearly states that the funds have not been dispersed. I stand by my original statement that they lied about depositing the funds into my account. I authorized a different agency ( that Benworth might think twice about getting snippy with ) to thoroughly research my information that I turned in to XXXX because I have nothing to hide. It still says " Borrower Funded '' on the website but there are no funds. I imagine, based on their behavior on XXXX, that Benworth will try some sort of retaliation tactic.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood, Robinhood Markets , Inc. is denying me to access my state and federal tax return. They are not giving me my stock dividends ( missing months due to the dividends vanishing ). They will not give me access to my account or simply close my account. They are requesting front and back pictures of my social security card and front and back pictures of my drivers license. Both of what they have received and I was told after recieveing that, my account will be accessible. Now, Robinhood is demanding bank account statements back to XXXX 3 pictures of my face ( left side, right side, front ), proof of where I live, where I make my money, proof of residency, and more. I have spoken to numerous Robinhood representatives whose names are XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, and others yet no one has helped me resolve this issue. I am being sent around in circles with no true help. I already had a case open with my email but since it was not listed under my Robinhood account they could not truly help me. So now, this complaint is for further investigation between my issues with Robinhood. It has been 4 months and my account is still frozen. I have given them everything they asked for and no one will help me. I gave them the final bank statement and their employee responded to me and said that was a letter. It is absolutely NOT a letter, ITS A BANK STATEMENT. Why do you need to hold onto my money so bad? Why is this still a problem when you received everything that was asked for?
Consumer complaint received 2021-04-29
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. (MD)

This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO TRANSUNION XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I forgot to attach with the original complaints.
Consumer complaint received 2022-11-08
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to dispute the illegal reporting of my student loans, in violation of 15 U.S. Code 1650 ,15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1681B. This matter has come to my attention through a recent review of my credit report, in which I discovered inaccuracies that have adversely affected my credit standing. 


According to federal law, creditors must provide accurate and complete information to credit reporting agencies. However, I have reason to believe that your company failed to follow these guidelines when reporting information related to my student loans. The inaccurate reporting has led to negative consequences for me, including damage to my credit score and potential obstacles in obtaining credit in the future. 


I kindly request that you investigate this matter further and take the necessary steps to correct the inaccurate reporting of my student loans. I am reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), as it is my right to ensure that my credit information is reported accurately and fairly. 


Please provide me with a written response outlining the steps you intend to take to address this dispute within 7 days. Failure to take corrective action in a timely manner will result in further legal action on my part to protect my rights and seek appropriate remedies. 


Thank you for your prompt attention to this matter. I look forward to your immediate response. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-09-25
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.