davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (MD)

I received a letter from XXXX, agent for Jefferson Systems Collections LLC on XXXX XXXX, XXXX. I subsequently sent XXXX requests for debt verification, the first denied as being received by XXXX and the second mailed Express Mail USPS and delivered on on XXXX and available for pickup ever since this date. Please make note of letter as the is address I mailed validation letter to as it is the address outlined in header. I addition, I also contacted the State of MD to further determine if XXXX was a license collection agency in the state and confirmed that is was not a licensed collector in MD. Convergence, who I contacted via USPS and phone is. However, they directed me to XXXX for follow-up surrounding the status of the debt verification and why they reported a debt that had been requested to be validated. XXXX 's agent who is a licensed debt collector in MD would not assist me or my daughter and frankly gave us the run around. Upon reaching, XXXX via phone, I was instructed that they were a debt collector and they did not have any information surrounding the credit reporting done by them and back dated to XXXX. I receive alerts due to experiencing identity theft and was alerted on XXXX/XXXX/XXXX that a " new '' entry was added to my credit report. As a consumer, I have the right to request validation of a debt within 30 days of receiving notice of supposed obligation, Jefferson and its agent XXXX, denied me my rights and subsequently, I have sent a cease and desist letter, a request for full verification of the alleged debt. Instead, Jefferson and its agent resorted in shady tactics and denied me my right within the first 30 days or receiving a collection notice validation of alleged debt. I have be adversely impacted and suffered.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (OH)

I hired a reputable company to help " clean up '' my credit report in XXXX 2016. A collection account was disputed and was taken off my credit reports. It has now been reinserted with a new open date of XXXX 2016 when this certain collection was over 6years old. The collection company being used is now called Convergent Outsourcing Inc . It 's a collection account through a XXXX. This was never verified in a timely manner according to Fair Credit Reporting Act so legally, it was deleted from all XXXX reports.
Consumer complaint received 2016-12-28
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (IL)

NES is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that XXXX XXXX XXXX owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with XXXX XXXX XXXX and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for XXXX XXXX XXXX or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Do n't agree with fees charged Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
I want all of the negative credit marks to be removed from my credit report because they do not have the right to collect on the loan or can account for any information they received from XXXX about the loans. The loans are not collectible.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

The balance on the XXXX XXXX account number XXXX is not correct because I pas this account in full. 

Algo they are reporting this account in an improprer manner because the payment history reflects continued reporting a charge off after this account was closed on XX/XX/2023.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (UT)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (IL)

On XX/XX/XXXX ; I contacted Discover card to inquire as to my balance due. I was informed that the balance due was well over {$2400.00}. I immediately checked my account activity and learned that there were multiple cash advances, {$500.00} each plus service charges. I contacted Discover, I informed them that I had not received any alerts regarding this activity, ( my alert was set at {$100.00} ). I closed the account and spoke with a representative who assured me that Discover Card 's Fraud policy was in full effect and I was not responsible for the charges. I had also paid an extra monthly fee, for the Wallet protection plan through Discover. The following day I received a call from XXXX, Fraud Protection, Discover. He said the I was responsible for the charges, he questioned me about my living situation, insinuating that another person had taken the card & etc. XXXX even wanted to know what I had purchased at XXXX! He then advised me to go to my local police department to report the fraud incident. Even though the cash advance transactions took place in California, XXXX said that my local police had to do the investigating, not Discover. The following week I was informed that my Discover email had been changed from XXXX to XXXX. This occurred after the first cash advance, yet no alert was triggered for my account. I also received affidavit/documents from Discover, which I promptly completed and returned. XXXX was confused as to why my completed forms were mailed to XXXX, not XXXX? I then received a duplicate set of documents which included a cover sheet asking for highly personal information, which Discover already has in their possession. I refused to complete this form and return it in the mail based on what had occurred. 

I do not understand why XXXX told me not to pay the charges I actually do owe. He said to only pay a fraction of the amount due. XXXX informed me that the balance should be paid later? 

Discover has failed me in every way possible. I have been a loyal customer since XXXX. I feel betrayed on so many levels. I am seriously considering contacting my friend at XXXX, to tell them how well Discover takes care of their customers. 
Below is your advertisement, what a joke! 
Your Security Is Our Top Priority 24/7 monitoring of every Discover card purchase for every customer {$0.00} Fraud Liability Guarantee, so you 're never responsible for unauthorized purchases on your Discover card Account alerts via email, phone or text if something looks unusual
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (GA)

on XXXX XXXX 2017 i recieved a letter from XXXX XXXX XXXX. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( XXXX XXXX XXXX. ) I went on to the credit beauro 's sites and posted disputes not one but twice after XXXX XXXX refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-11-25
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. (MA)

to indigate and resolve my issue with these accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX and the elimnation of the following inquirires XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (AZ)

I 've had a Wells Fargo Secured Credit Card for two years. I funded the account with {$800.00} from my Wells Fargo checking account. When I called Wells Fargo to close the account today ( XXXX/XXXX/16 ), I was informed that the outstanding account balance, {$600.00}, will be applied from the {$800.00} deposit. This I expected. However, I was informed that the balance refunded to me will not be given back to me for 45-60 days. In addition, until the amount was refunded to me, I will have to make payments or be charged late fees. Also, I was told that the account needs to have that long of period to refund the difference in case there were any transactions from merchants that Wells Fargo has agreements with so the amount could be charged to the account.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Powerhouse Solutions, Inc. (NY)

We intended to purchase a 4 bedroom house in XXXX NY. We viewed the house, asked several questions and made a good faith deposit of {$140000.00} on the house on XX/XX/year>. 
During this time, I was under the care of my doctor and in XX/XX/year>, was advised by my medical team that the stress of working was exacerbating medical condition. Taking stock of priorities and my doctor 's advice, I filed for retirement. On XX/XX/year> I received a call from XXXX XXXX, the Mortgage Lender. He was very upset because his investigations of our finances revealed that I was retired. I admitted that it was true and explained why I retired so suddenly and unexpectedly. I forwarded to XXXX the documentation to confirm that I had indeed retired. I expected that the Mortgage Lender would just deny the pending FHA loan after receiving confirmation of my retirement. To my disbelief he he said he'd convert the FHA pending Loan to a Conventional Loan and that the property would be used as an investment property. Despite the drastic loss of income XXXX wanted to push the loan through. He even lied and said that the FHA Loan had already been approved a month ago. We both knew that was not true because I had not never received the " Clear to Close ''. When this strategy didn't work he said that he'd already received verification of my employment and that the loan application would proceed. XXXX 's response was confusing, so my husband and I sought out a legal consultation from several attorneys. We discovered that the contract that we signed stipulated that the deal would be made within 60 days or be in default and additionally, that a sudden loss of income would result in a " Denial Letter '' which would cancel the contract without forfeiting my sizable deposit. We formally requested the Denial Letter from XXXX XXXX several times but he has refused. In fact he said that if he issued the " Denial Letter '' we'd lose our earnest deposit. We explained that moving on with the purchase of this home would spell financial disaster for our family of 6 but the mortgage lender refuses. He sent me a text about a week ago stating that he would be willing to withdraw my application but I needed to consent to this. My husband and I believe that the mortgage lender is using intimidating tactics and lies to push this loan through despite the loss of my income.
Consumer complaint received 2017-05-19
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. (PA)

Experian is currently reporting a reinserted debt on my credit file from  XXXX   XXXX . It was first reported in  XXXX  ( report #  XXXX   XXXX . I disputed the debt with  XXXX   XXXX  through the CFPB on  XXXX / XXXX / XXXX . it was then deleted. now in  XXXX  the debt is re-reporting on my credit report. This is a violation of my rights and the credit laws. I tried disputing the reinsert with Experian was given the response that it was verified. I contacted  XXXX  and was never given a  XXXX . this account is not mine, i never opened an account with  XXXX . i have not received a response from  XXXX  and the dispute was submitted on  XXXX / XXXX / XXXX . This debt was removed from all other credit bureaus but Experian is still reporting it after it was previously deleted in  XXXX
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (NC)

I received an update of my credit reports from all credit bureaus. The accounts with American First Credit Union. This account has been charged off XXXX XX/XX/year>. I was told from XXXX that once an account is charged off and closed., that there should not be any more reporting unless the was a payment was made on the account. However, there was a new amount that appeared on the account. I was also sued by this Company, I appeared in court however no one from the above company never appeared, so the XXXX made the award in my favor. I also called the Bank on XXXX XXXX XXXX XXXXXXXX. I spoke with a female that stated that the amount that was added to my credit report was for legal fees that the new collection agency that is suing me. I am not aware that a company can do this. I questioned the said lady regarding this, she stated that is what she sees so I was not happy about this, so she transferred me to another lady by the name of XXXX. XXXX tells me that it is an error on all the credit bureaus that they put the other amount on the credit, so I questioned and ask why they would just make up an amount to put on my credit reports. She stated she is not sure. so, the conversation just went back and forth until finally she admitted they made the error and did not put the correct amount on the account 3 years ago. She also said since I did a dispute this is when they updated the information.
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GVA Holdings, LLC (CA)

North Star Finance sent me a couple of letters in the mail stating I was eligible for a loan modification on a home I own in Florida. I contacted them to see what it was all about. I am  XXXX   XXXX   XXXX  and have a high interest rate on my home loan. I had been wanting to find out what I could do to get a lower interest rate. They explained their process and I trusted them ... .that turned out to be a huge mistake.   Over the next several weeks I filled out everything they required, and supplied them with all of their requested information. They explained to me they would have my mortgage loan modified within 3 months and my interest rate would be reduced to the current average rates. They then required a {$6000.00} payment for the closing of the loan modification. I sent them the money. Shortly after that, they explained they need another {$1500.00} to complete the loan documents. I sent them the additional {$1500.00}. That was over 6 months ago.   Over the next few months I heard very little from them. I tried and tried to get a hold of them. I did receive a couple more letters, which made it look like they were actually working on it. I later learned that nothing was actually being done, and their documents are all bogus. The last communication I had with them, they were demanding an additional {$1200.00} payment. I told them I was not going to give them anymore money.   My daughter has been trying to help, and she has been in contact with them. She requested they give me back {$6000.00} of the total {$7500.00}. They deposited a check into her account for {$7500.00}. They wanted her to give them back {$1500.00}. She told them she would once the check gets funded from their bank. Well, 3 days after the check was deposited it bounced. We were n't that surprised.   I have a copy of the check. I believe they are making false checks with someone else 's information on them.   The name and address on the check is from an older gentlemen that lives in  XXXX . I believe he has no idea what these guys are doing.   The check bounced abo  ut 3 weeks ago. Since then my daughter has talked to them a couple of times. They claimed they would send a money order, but that was over 2 weeks ago. They now wo n't return my daughter 's calls.
I am concerned they are scamming people all over. They must be   stopped.   Any help or assistance you can give would be greatly appreciated.   Thank you for your time.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/year> I went to Bank of America to XXXX, NJ. I had enough available money on my account to buy bank check ( cashier check ). Upon asking to buy a bank check for XXXX ( that I needed for my attorney for the closing ), I was told by the bank manager named XXXX that he will not serve me. Manager XXXX looked at me and my husband as we are some kind of criminals. Perhaps it was based on our accent. I am XXXX  but I am also US citizen. My husband was trying to deposit cash earlier after we sold our old RV and manager XXXX was rude to him. His demeanor, body language and comments are not what other people in that branch have. He threatened my husband I will report you anyway without explaining what it relates to without asking where money came from or what banks procedures are and why and to whom he will report my husband. He looked at us as we are some kind of criminals or dealing drugs. I had to drive to another branch ( in XXXX, NJ ) where we both requested the same service and received excellent service. Finally, I was able to get my money in a form of bank check for my closing.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

I have an auto loan wit h GM Financial. On   XXXX   XXXX ,  2017  the car was deemed a total loss. We were advised by the insura nce carrier and GM tha t the payment would be made and GAP insurance would cover the difference and not to worry. The car payment was due  XXXX   XXXX ,  2017  and again  XXXX   XXXX ,  2017 .   My account shows an {$8700.00} payment made by  XXXX  on  XXXX   XXXX ,  2017  when the car payment was due on  XXXX   XXXX .    GM  even waived the late fees for  XXXX .    GM d ebited my bank account on  XXXX   XXXX ,   XXXX   for {$310.00}.     I am now dinged with a 30 day late payment which is TOTALLY unfair.   Auto payments should have been  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   ( or  until GAP paid the remaining balance ). So if  XXXX  made payment  XXXX   XXXX , they debited my account on  XXXX   XXXX  and  XXXX  due date is not here why is my account showing 30 days late??????