davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Date : XX/XX/XXXX Amount : {$660.00} I sent a written response to the collection agency on XX/XX/XXXX. I asked the company with a Section 809 Validating Debts of the Fair Debt Collection Practices Act requesting that the collection agency provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 

I advised that I disputed this debt ; therefore, until this debt is inaccurate. They are still reporting the debt and have not provided me with the correct documents. I explained to the collection agency that they must immediately inform this debt is in dispute. Also explained that reporting information that you know to be inaccurate or failing to reporting information correctly violates the FCRA 1681s-2.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I advised them to do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I have sent convergent outsourcing multiple letters to fix errors on my credit report and to request information on an account they are reporting on my credit. On XX/XX/2022 I sent a letter asking them to validate the debt. I then followed to send another letter on XX/XX/2022 asking them to provide the day of first delinquency with the original creditor which I did not see anywhere in the response to this letter. I most recently sent a letter on XX/XX/2022 asking for additional documents but they said they didn't have to provide any more details regarding the account.
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX  XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I applied for a refinance mortgage loan with Amerisave. Loan officer name was XXXX XXXX XXXX. He was very responsive and appeared knowledgeable in the refinance process. I paid the application fee of {$500.00} and he stated I would get that back at closing. My loan was sent to underwriting and was put on hold due to fraudulent reporting from he goes by XXXX. He stated 2 of our existing loans were paid in full and the underwriter wanted proof. The 2 loans in reference were not paid in full and we never reported as such. XXXX reported that info Im guessing to get an underwriter to take our loan and collect the application fee. The underwriter has put our closing on hold due to this information. I have attempted to contact XXXX twice in email with no response and filed a complaint with customer service also with no response.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

The first week in XX/XX/2021 I Changed my home owners insurance From XXXX XXXX to XXXX XXXX. I followed the link provided by my mortgage company and uploaded the declaration binder per their instructions. 

On XX/XX/2021 The mortgage company disbursed the payment to XXXX XXXX. 
My account at XXXX XXXX states paid in full. I could see the change on my account at the mortgage company so I believed everything was fine. 

On XX/XX/2021 I received an email from the mortgage company stating they had just made my insurance payment. Suspicious at this point I investigated and shocked to find that my mortgage company ( Specialized Loan Servicing ) Had disbursed another payment to the other insurance company, XXXX XXXX, which I already cancelled. 

This caused an escrow shortage of over {$2000.00} I have an email from the mortgage company admitting they made a mistake and telling me to return the money when I get it refunded from XXXX XXXX. 

It has been 15 days and XXXX XXXX claims they never received the payment. 
XXXX mutual has asked me to provide the check number showing proof that it cleared the bank. Specialized Loan Servicing has refused to give me this information when I requested it and started giving me the run around. Now they threaten to punish me for the mess they created by adjusting for the XXXX escrow shortage.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TCF NATIONAL BANK (AP)

Today is XX/XX/21. I am a military member currently serving XXXX in XXXX. I deactivated my debit card and ask to get sent a new one. The bank refuses to sent me a new card XXXX, forcing me to create a new bank account here in XXXX. After doing that and start a transfer of money over to my new bank account, the money transfer process got suspended because they thought it was fraud. I called and found out that they froze my bank account. I can not do anything, transfer the money anywhere unless I come into the bank. Which I told them I can not do that, and then they told me I have to write them a notarized letter saying it was me. I could've easily verify it is me over the phone like any other bank, and even offered to sent them an email with a picture of my IDs using the email that was on file. They would not accept. Their forcing me to go to a US Embassy to get my letter notarized or Im not gon na be able to spend and use my money. Now I am stuck with no money to even buy food and have to wait for a letter to be sent and get it notarized. The service is incredibly rude and unhelpful and the bank will not do anything to help an active-duty service member. It would be easy if I was at home but I left in order to serve this country and risk my life. And now they are making things more difficult and I cant even pay for my own food.
Consumer complaint received 2022-08-21
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. (FL)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-07-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 I, XXXX XXXX, Consumer and Original Creditor, sent in an affidavit of truth to TRANSUNION regarding incorrect information on my consumer credit report pursuant to 15USC 1681a ( 2 ) which states Exclusions that are not supposed to be reported on my consumer report. I have also called in to Transition to get these things removed and as of today they still remain. The information that is listed on my credit report is an invasion of privacy and it is also causing damage to my reputation as a consumer. I demand that these accounts be removed immediately as they are in direct violation of federal law as TRANSUNION will be held criminally and civilly liable for these violation pursuant to 15USC 1611 and 15USC 1640.
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (CA)

On XX/XX/2024, checking account opened. 

On XX/XX/2024, account funded with {$25.00} On XX/XX/2024, account closed by bank. 

The fund from account closure has never came to me.

Contacted online customer service and was told to call phone customer service.

Then called phone customer service, was told a check was issued. Could not issue another check and asked me to go to branch for help.

Next went to branch and was told to call phone customer service.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NY)

My account was randomly closed and they tell me it can take up to 30 days to close my account officially and another 2 weeks for them to ship a check. I need access to my money and need to know what is going on this is unacceptable. If they don't want to continue their relationship with me that is fine i just need my funds
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (OK)

On XX/XX/XXXX XXXX XXXX  I attempted to pay a bill from my cash app account in which I had loaded cash on a few days prior And I get this message after I was unable to complete the bill pay to internet provider that I had violated there terms of service. They allowed me to transfer my money and set up a new card to transfer the {$39.00} in the account so I could pay for work retaliated stuff. However they refuse to tell me why they closed my account and banned me for life. This is how I was sending money to my daughter is the main issue right now. They refuse to give me any information about how I violated there terms of use. But just their disclosure that tells me nothing because Ive done nothing wrong. If I had done something wrong. Dont I have some right if an explanation if only a miminmal one?
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/21 I was notified by email that an account was opened in my name I went to bank of America immediately to resolve the situation they pulled my account and realized the information didn't match my id so they closed it and flagged my name and told me I no longer have to worry about it happening again another account was opened again and this time I haven't been able to speak to the bank over the phone or email
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

i received a discharge from bankruptcy and paid off the mortgage arrearage. The horrible servicing nightmare that is XXXX continues! They are still not reporting my current mortgage status to the credit bureus!. In fact, the idiots have reported my account as being closed to the credit bureaus even as they send me stressful " advance '' notice of late payments when none of my payments have been late during the entire course of the bankruptcy and after. This company is absolutely atrocious, and you ( CPPB ) have to be aware of their practices. This is the second complaint I've filed against them in less than a month ( after checking my credit report yet again to see if the reporting has been changed ) as well as having filed a request for a reasonable accommodation under the ADA which they still have yet to respond to. 

I am sick, XXXX with XXXX XXXX issues and anxiety is a daily stressor. My house is the single most important part of my recovery and dealing with this company is literally killing me from the additional anxiety caused by their carelessness, callousness and downright deviousness. I don't understand how these companies can continue to get away with these kind of practices and not be sanctioned in some way. PLEASE PLEASE PLEASE do SOMETHING. Merely forwarding my complaints to them does absolutely nothing as they have not made one change in their practices and have been the worst example of a mortgage servicer I have ever seen. 

Carrington is literally detrimental to my mental health and causing me anxiety far in excess of what I need. They don't respond properly to anything and always give inconsistent information. Calling is a waste of time because when one does speak with a representative, it is usually after wasting time on hold. And even then, the person usually lacks knowledge to deal with the situation, provides inaccurate information, or transfers me to someone equally ineffective. I hate that I'm stuck with a serial debt collector as mortgage servicer and that their actions appear to be sanctioned by this body, which is supposed to help me. I obviously just emerged from bankruptcy, and even with considerable equity in my home, refinancing is not an option. Otherwise, I would have jettisoned this horrible situation and nightmare of a company before. 

Again -- Please Please Please do more than forward this complaint.
Consumer complaint received 2023-04-18
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenaci ; ous rebelliousness. 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-25
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. (FL)

Months 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 include it again. Kindly correct or delete the following items : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

Over the past XXXX XXXX XXXX XXXX, debt collectors have been illegally trying to collect upon an uncollectable debt which XXXX agreed to XXXX  out in XXXX of XXXX as per the attached legally binding agreement between myself and that phone company. The latest debt collector illegally trying to collect is Convergent Outsourcing , Inc. based in XXXX, Washington and these illegal efforts have been ongoing since XXXX of XXXX 

The signatory at XXXX who agreed to write off and XXXX  out this debt agin as per the attached legally binding agreement is XXXX XXXX Executive and Regulatory Services Analyst XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (GA)

Hello, I needed to rent a venue for a performance So I spoke with a man on the phone from XXXX XXXX XXXX  in XXXX.They assured me that they had everything that I needed regarding sound, and stage. A few days before the event My team reached out to confirm everything. It turns out they didnt have the sound system we needed for our event. Plus upon checking my bank statements I was charged extra and was going to be charged fraud double fees in the future. So I told the venue XXXX XXXX XXXX that I did not want to use their event space anymore for false advertising and fraud charges. They refused to return the money they charged which was in the amount of {$1400.00}. It has been months and theyre refusing to return my money even though I never used the venue. Beware! So I attempted to dispute it with the bank account I used ( MoneyLion ), uploaded all the required documents and did everything that theyve asked .... still no money. Its four months later and MoneyLion has been giving me the run around! Ive asked to speak with a supervisor and they always say theyre going to call me back. I have not received a call. I received an email saying that my dispute was going to be resolved on a certain date within 90 days. Its been well past 90 days and no results! I thought as my bank you were supposed to INSURE my money. Yet they have not been any help to me. I uploaded everything, even proof that I never used the venue to begin with! I sent emails to the bank and no response.