davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

XXXX is involved in a financial scam creating fake accounts using customer information and selling those accounts to debt collectors in order to generate a profit. I have tried to contact them in order to remove the fraudulent account, but they refuse to have any leadership look into the problem, then have customer agents tell me the account is closed and satisfied, but when I ask for paperwork to give the collection agency they hang up on me or tell me I dont need any. The fake account is a charge for {$130.00}. Issues like this happen every single time we have updated an address with them we receive things like, insane fees, incorrect charges on our account, randomly multiple fake accounts appear, degrade our service and then blame us for it and refuse to actually solve any of those issues or lie and say that the issues are resolved when they arent. They have even come out to our home and removed a splitter in order to cut our service while it was active and in good standing! We have only ever had 1 account with them and it is current. Any assistance you can provide is greatly appreciated.
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ivy Street Development Corp. (NC)

I called today to get my original bill and itemized invoices. They denied my request and wet every rude. She told me XXXX the manager said I was just trying to get out of paying my bills and I needed to grow up. Told me I was just using some gerrerbish and said I was being sleezey.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IN)

Convergent Outsourcing , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX , WA XXXX has been reporting me owing an outstanding balance of {$340.00} to the credit bureaus. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank (AL)

Good Afternoon, On XX/XX/XXXX, I closed on my refinance with XXXX. My first payment was not due until XX/XX/2021. I, however, made a principal only payment of {$950.00} on XX/XX/XXXX in the XXXX branch located in XXXX, GA. I also made the regular monthly payment plus additional principal ( {$750.00} plus additional principal of {$190.00} totaling {$950.00} ) on XX/XX/XXXX at the XXXX XXXX, AL location. On XX/XX/XXXX XXXX sold my mortgage to XXXX XXXX, however, as of this time, no payments have been made to my mortgage at all including the payment due for XX/XX/XXXX. When I called XXXX to find out what happened, they told me all funds are being held in an " undispersed '' account until the mortgage transfer is finalized. When I asked why my payments were not processed they told me this is " standard process in this type of loan ''. I am accruing interest on the full value of the loan instead of decreasing my mortgage by what I have paid. When I view the escrow file, XXXX has a balance of {$2600.00} while XXXX has an escrow balance of {$2400.00}. When I have asked for a full accounting I am told none exists and that once the final transfer of the account over to XXXX I " should '' be able to get this accounting I am looking for. I have made all payments in good faith, and to deny me access to a full accounting and to not process my payments in a timely manner I am adding compounded interest to my mortgage.
Consumer complaint received 2022-05-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (AL)

On XX/XX/XXXX I contacted Flagship Credit Acceptance to request a legal contract bearing my wet signature and a deficiency letter. Flagship could not produce the information I was requesting, because I had no legal contract with them. They have been reporting a negative balance to the credit bureaus since XX/XX/XXXX. 

I recently mailed an affidavit indicating their violations of the statute of limitations for the state of Alabama. I have not received any correspondence back from them, other than a returned signature, to indicate they have receipt of my letter. I was made aware that a vehicle I surrendered was sold for {$5600.00} and they have been reporting a negative balance of {$7700.00} ; which is why I requested a deficiency letter that I never received after the sale of the vehicle in XXXX. I made many attempts in disputing this error, but nothing on the company 's end was ever resolved.
Consumer complaint received 2023-06-20
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)

" I am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

1. High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, '' while the second report lists a high balance of " {$7100.00}. '' This inconsistency raises concerns about the accuracy of the reported information and the actual highest balance associated with the account. 

2. Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$14000.00}, '' while the second report lists the balance as " {$7100.00}. '' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance. 

The inconsistencies in reporting, particularly in the payment history section, further highlight the need for a comprehensive investigation and correction of the credit reporting for the XXXX XXXX XXXX account. It is essential that the credit bureaus rectify these discrepancies promptly and ensure the accuracy and completeness of the reported payment history. 

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Transfermate, Inc. (IN)

On XX/XX/XXXX, I transferred {$2800.00} to Transfermate for the purposes of paying my landlord before I moved to XXXX. I followed their directions to the letter, and was never informed that any information, documents, or steps were missing, incomplete, or incorrect. Transfermate never paid the landlord, which required me to outlay another {$2800.00} directly to the landlord when I arrived in XXXX. I ended up withdrawing from the academic program I was originally planning to enter, and the landlord released me from the lease, making any further payments unnecessary. I contacted Transfermate multiple times both before and after this trying to get the funds released, and requested they be refunded back to the account that I originally transferred the funds from. They have refused to do so, and have required jumping through a number of hoops despite them already having all of my account and banking information. Most recently, they have told me I now have to get a release from my former landlord, whom Transfermate refused to pay. I believe this is an attempt to get me to stop pursuing the return of my funds, and in the strictest legal sense I believe constitutes a fraud given my reliance on their multiple false or at least misleading assertions.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted but no successful resolution was provided nor feedback was heard from the concerned Bureaus. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Otherwise, REMOVE this account completely from my personal report. Thank you.
Consumer complaint received 2021-09-13
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: LEXISNEXIS (TX)

Good morning, as i viewed my report i have noticed multiple errors that i would like to address as for they maybe impacting my credit ; and that's not fair to myself. 

the year i was born : XXXX only not XXXX my formal name is : XXXX XXXX XXXX not XXXX XXXX XXXX not XXXX XXXX , not XXXX XXXX , not XXXX XXXX  not XXXX XXXX i have not resided at any of these locations listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Only address that i reside in is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX my email is : XXXX not XXXX nor XXXX and, y phone number is : XXXX not XXXX thank you for understanding
Consumer complaint received 2021-09-13
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-09-13
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2021, I noticed an XXXX charge that posted to my credit card account on XX/XX/2021, totaling {$340.00}. Since we did not recognize the charge, my wife and I reviewed our shared XXXX account and did not see an order that matched that amount ( see attached file " XXXX Order History '' ). 

I immediately contacted XXXX on the phone ( see attached file " XXXX Customer Service '' for evidence of the call ). The XXXX customer service representative found the transaction and stated that someone else ( possibly named XXXX ) logged into their XXXX account, made the purchase using my credit card, and then shipped the item to their address. I informed the XXXX customer service representative that this was not a transaction that I authorized, and she stated they were suspending the offending account where the purchase was made. 

I received an email ( see attached file " XXXX Account Specialist '' ) from XXXX later that day stating " Thank you for confirming that the charges to your MASTER CARD ending in xx were unauthorized. We recommend that you review all recent activity on this card and report any unauthorized charges to your financial institution. '' I followed XXXX 's advice to contact my financial institution ( Barclay ) to inform them of the fraudulent transaction. They immediately cancelled the credit card, sent a new one, and reversed the charge. 

On XX/XX/2021, I noticed that the charge was back on my account. I contacted Barclay, and they stated that the fraud department determined this was a valid charge simply because I have " previously done business with the merchant ''. 

This is not an acceptable response as they could not provide documentation that they made any attempt to communicate with XXXX to get more information about the order. I expect my credit card issuer to provide the appropriate protections and conduct a thorough investigation before closing the case as it would be extremely clear that this was a fraudulent transaction.
Consumer complaint received 2021-02-03
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. (NY)

This was a XXXX XXXXXXXX bill from my college days. It was the responsibility of my roommate and I don't know how or why my information is on it for them to say I owed money. I called the company about it and the rep I spoke with said it would be removed if I paid it in full. They lied!!!! Its still on my credit.
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (MD)

This account is being reported past the statue of limitations with false information. It was sent by the company to XXXX XXXX where it was paid in full and agreed via letter from XXXX XXXX that it will be removed from my credit once paid.
Consumer complaint received 2020-08-25
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 (CO)

I received an email on XX/XX/XXXX from CapitalOne stating that they were decreasing my credit limit on 2 credit cards. One by 60 % and the other by 80 %. I have been a customer with one of those cards for 17 years. I have had zero late payments. I called customer service because I am also in the middle of refinance and its not clear if their decision will affect my closing date. CapitalOne is saying their is nothing they can do. I escalated to management and the same was said. This will affect my good credit score of XXXX. They've said that my letter explaining in more detail is in the mail, the only explanation in the email states that's its because I'm not using enough credit. In the past I've never had my credit reduced, if anything over the years it's increased without me asking. This also puts consumers at risk with its poor business practices, this will decrease my credit. Additionally, if I close these credit cards that will take an additional hit on my credit.
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Title Clearing, Inc. (MI)

Complaint against Nationwide Title Clearing and its robo- signers Notary XXXX XXXX and XXXX XXXX and Demand for Verification of " Notary XXXX '' and " XXXX XXXX XXXX signatures and personal meeting with her, XXXX XXXX and their supervisors. 

I found numerous Assignments of Mortgages and other documents in different States with absolutely identical stamped signature of " Notary XXXX XXXX ''. 

I have reasonable doubts that XXXX did not attached these signatures; did not authorized use of her electronic signatures ; and does not know who use these signatures. 

In other words, my Assignment is a text book forgery. Moreover, I have doubts if " Notary XXXX is a real person who is employed by NTC and who Notarize these assignments. 

Under Uniform Electronic Transactions Act ( UETA ) I have right to demand a letter of Authorization and Acknowledgements from Notary XXXX and XXXX XXXX that they personally prepared attached Assignment and disclose the name of the authorized officer from my Creditor who instructed them to prepare this Assignment.. 

UETA includes provisions regarding the authentication of electronic signatures, and defines an electronic signature as an electronic sound, symbol or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record when a dispute arises regarding whether a signor 's electronic signature is authentic, I demand Notary XXXX and XXXX XXXX provide me their wet-ink signed Affidavits, and schedule a phone conversation with XXXX XXXX and XXXX XXXX to discuss based on which documents they prepared Assignment of Mortgage to XXXX who has no idea who is the owner of my alleged debt and can not tell me whom they servicing all this time. 


I also demand a personal meeting Notary XXXX and XXXX XXXX in their office, where they can show me documents based on which authority XXXX XXXX acted as XXXX Vice Presdient and transferred alleged " Mortgage with XXXX '' to XXXX.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

After the death of my husband I tried to make a modification on my house mortgage. 
they asked for documents and I sent them by fax, then they sent me a letter saying wait for 30 days. 
I called because no answer, then send me an application to put another person as collateral and I did it after that I do not have any response... new application packages got en the mail ; application I had already filled before, even so I filled them and sent them.. 
then nothing at all then the pandemic came and now they just send me a letter from a lawyer to start a foreclosure? 
this company is not serious and I feel I have been discriminated against and they want my house even though I send documents showing that I am able to make a MODIFICATION and pay the mortgage.
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. (GA)

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  Account # : XXXX. 

XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX XXXX XXXX  Account # : XXXX. 

XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account # : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
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. (TX)

I requested the permissible permission used to access my credit report by Experian and XXXX XXXX XXXX XXXX in XX/XX/2017. I have made XXXX ' of this request for over 5 years. But Experian continues to investigate by reaching out to XXXX XXXX XXXX XXXX who then repeatedly replies they are reporting accurately. Whoever is reading this, I wish you would step up and not get involved in your company 's doc shuffle and force XXXX  to send what they used to request permissible permission to access my credit report. Illegally accessing my credit report in XX/XX/2017 led to a fraudulent, forged, loan through identity theft. I need the permissible permission used to fight the forgery.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not have any record under my name and they also informed me it is the policy of all bankruptcy courts to not report any information to the credit bureaus. They also mailed me a letter explaining noXXXX  record and the court policy on reporting to bureaus. I demand that you remove the bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. You have 30 days to remove the bankruptcy from my credit report or I will file a lawsuit with the federal district court in my area.
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To anyone reading this, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still haven't responded to me and i think that is not right. Please delete those negative items so I dont have to spend for taking legal action.