davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (ME)

On XX/XX/2021, I received an e-mail alert from XXXX  credit bureau that a delinquency notation was placed on my credit report by Convergent Outsourcing ( XXXX, WA, XXXX ) that an unpaid XXXX  bill was overdue, in the amount of {$3200.00}. I contacted XXXX on XX/XX/2021 and was told that my social security number ( SSN ) is not on-file with them, because, I have NO ACCOUNT with them. In addition, and most relevant, I DO NOT OWN a mobile telephone. XXXX instructed me to contact my local police department and report said fraud. I contacted the XXXX County Sheriff 's Department ( Maine ) and reported the fraud to Deputy XXXX XXXX  ( Case No. XXXX ), who advised me to contact your agency. I have attempted to contact Convergent Outsourcing and was told that they receive all information from XXXX, concerning my debt and SSN, BUT XXXX does not have my SSN, because I never had an account with them! Convergent Outsourcing offered no help in this matter! Therefore, the question is : how did Convergent Outsourcing report my delinquency to XXXX, employing my SSN, if XXXX does not possess my SSN and could not have given my SSN to Convergent Outsourcing? Would you please assist me in removing this delinquency notation from my XXXX  report. Thank you.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Our loan has been on forbearance since the beginning of the COVID-19 pandemic. 
During that time, XXXX XXXX XXXX XXXX mistakenly reported us as over 30 days delinquent on three different occasions. From when I understand, they have removed it but it still caused a hit to our credit score and was a waste of time.

We have since paid off the loan and hope to have it closed shortly. 

My purpose for submitting this is not for a resolution but to document that XXXX XXXX XXXX XXXX is incorrectly reporting delinquencies while on forbearance. 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Receivables, Inc. (SC)

I enrolled for a one-month personal training program at XXXXXXXX XXXX XXXXXXXX and paid for the month in advance. However, they contacted me insisting that I signed up for a XXXX package, which I never agreed to. Despite my attempts to dispute this with the company, they refused to listen and sent the supposed debt of {$2400.00} to collections. Unfortunately, the collections agency has been unresponsive to my dispute and has resorted to harassing me through phone calls and mail.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (OH)

I noticed that I had a collections account pop up on my report. I was confused as to where it came from. About a week or so later, I get a letter from Credit Collection Services stating I owe XXXX. I called and spoke with XXXX XXXX and I requested validation, wet ink signatures on contract obligating me to any debt and the agreement that I have with the company to pay them as I had never heard of them prior to seeing them on my report. Informed him that that was identity theft and I needed all credit reporting to cease and desist and I needed all information requested to be sent to my address. I received another letter in the mail but it only had the final balance
Consumer complaint received 2023-06-21
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. (WA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

I keep getting emails that I have a payment due on PayPal credit, which I have applied for or asked for, selected, or requested. I didnt know what this charge was for and then realized it for a purchase I tried to make but didnt realize PayPal had an expired so the transaction did not go through. I received an email from the company that there was an issue with my payment and to call them directly so I did. 

Before I realized this I actually tried to make a payment on pay pal and it didnt even let me. Thats when I dug deeper and realized this was for pay pal CREDIT. Its also worth noting the Synchrony bank is listed on the email. I have several store credit cards through synchrony and I definitely had to fill out a credit app to get approved. 

I have had a couple calls and voicemails from PayPal to get me to pay but I started getting worried it was all a scam. I looked up PayPals phone number online today and when I called it asked me for the last 4 of my social, which I reluctantly entered, it then kept me in a loop, not letting me speak to anyone and asked for my social again, which I would not enter. It eventually had me on hold for an agent but disconnected me. 

This has been added to my credit report.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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

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 2015-11-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

When i moved to XXXX then back to XXXX, Capital One put a restriction on my credit card for possible fraud. I was late on a payment because I had a small XXXX XXXX, but resumed working again and wanted to bring my balance current. I have been trying to prove my identity to them for the last month. I have called them XXXX times to date. Thier hold times are up to four hours, while I get transferred from one department to another. I was unable to answer one security question due to it being an address I had over 25 years ago. I was tiold to take my ID to my banker. I did, she was on hold over 45 min and finally could wait no longer. I called again, got disconnected twice, was finally given a supervisor. She directed me to fax my ID. I did, and i received a confirmation number. I was told 24 to 48 hours to remolve hold. Five days later I am told it was not received and they need XXXX forms of ID. I refuse to send my birth certificat and social. After an hour and a half on hold, Im sent to a supervisor, who wants me to fax my ID again. Very fustrated, and late charges accruing because I can not make payment. HELP!!!
Consumer complaint received 2021-04-01
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. (FL)

XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX my medical information. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies ( CA ) with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. The CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, this is my private personal medical information. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Today, XX/XX/XXXX, we contacted Wakefield & Associates XXXX XXXX XXXX XXXX XXXX, TN XXXX ) by phone ( ( XXXX ) XXXX ) to discuss an item that had appeared on my ( XXXX XXXX XXXX XXXX credit report. It was a bill for ambulance service and ER visit that had happened on XX/XX/XXXX. At the time of service, we had submitted my ( XXXX XXXX XXXX XXXX insurance XXXX both XXXX and XXXX XXXX, which all parties XXXX both hospital and ambulance service ) failed to file. After repeat attempts to get them to file insurance as they sent us bills, we eventually stopped receiving bills and had assumed that they had finally filed insurance for payment. 

Fast forward to today, when in contact with the collection company XXXX Wakefield & Associates XXXX, on a recorded line, the gentleman told us that the insurance had been filed and denied, making the debt ours. We told him we disputed the claim and would contact the insurance company and find out the reason for the denial. We called XXXX XXXX XXXX XXXX XXXX and XXXX is through them XXXX and we had them contact the collection company as the insurance company said they would be glad to pay it. While on the phone with the insurance company, the collection agency admits the bill has NEVER been filed with insurance. They falsely represented us as the owners of the debt by directly lying about the state of the debt and its status with the insurance. Insurance is currently working through it but I still wanted to file a complaint because if someone who was not as persistent as me was in this same situation, these tactics could very well bankrupt someone else. Please look into it. The most it will cost me is a few headaches on my credit report but it could cost someone else a whole lot more.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (KY)

Franklin American Mortgage is serving my 30 year fixed loan. Property was new construction so escrow shortage for taxes was expected. Paid for escrow shortage on XXXX/XXXX/XXXX ( total of {$3500.00} ). Received escrow evaluation in XXXX of XXXX. Was informed that funds were not applied to my account. Faxed confirmation that funds were sent on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX lender has not applied funds to my account and mortgage payment shows as much higher amount. First American has never called to update me and every phone call turns into 30 minutes and having to start the conversation from the beginning. I 've requested to talk to a manager but I simply get placed on hold until I hang up.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I went to Wells Fargo ATM at XXXX XXXX XXXX, XXXX XXXX, CA to deposit business checks totaling {$14000.00}. The ATM malfunctioned and did not give me my checks back. A screen popped up and I pressed yes not realizing what it was. It was depositing {$.00} into my account. I ran into the bank to get help and they informed me they have nothing to do with the ATM call the number on the receipt. I called the number and submitted a claim and gave them all 8 check numbers and amounts. I was told it would take 10 days to investigate and they would do a provisional credit. I received a letter in the mail stating the same information. After 10 days I called to find out the status and they were still investigating. I received a letter over a month and a half later dated XX/XX/2023 they finished their investigation and found no error occurred and were reversing the provisional credit. I called them to reopen asking how could 8 checks and a deposit slip so 9 items be lost in a lock box on their property! I never received the checks back and you can see that on the camera. It is now XX/XX/XXXX and they still have not found 8 checks and a deposit slip in their ATM and said this is a fraudulent claim. One representative told me to not use the ATM and to have all the checks reissued. I have sent a detailed letter to XXXX XXXX XXXX XXXX, ATM Claims Department and WF in XXXX XXXX. I want to know what happened to our checks and how their is no alarm on their end that nearly {$15000.00} in checks are just gone! 2 of the checks are cashiers checks and 6 are personal checks. I have been reissued 7 of the 8 checks from the clients but still waiting for one cashiers check. I would like an answer as to where my checks went and I want them given back so I can return them to the people who wrote them. This has been a total nightmare!
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NY)

LexisNexis has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. 

I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification.

In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus, as well as another letter indicating they did not and would not confirm nor verify any information to a credit bureau. 

Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting  information that they have assumed is verifiable based off circumstance. 

I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. 

Thank you for your time and assistance in this extremely important issue.
Consumer complaint received 2018-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX ( XXXX XXXX XXXX ) ACTION : XX/XX/2017 This letter is regarding an account, which you claim I owe {$600.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP. (VA)

I got myself into business with RealFi Home Funding Corp ( www.rhfunding.com ) more than six months ago ( XXXX of XXXX, XXXX ), when decided to apply for mortgage refinancing with them. Today is XXXX, XXXX and the loan is still not closed, and likely won't be closed because the market conditions have changed and I would not accept the new pricing from them. As result, I lost money and time. I lost money because today I would have to accept higher rates, I would have to pay for new 0.5 % refinance fee and I would have to pay for another appraisal. I did lock the rate with them but it was meaningless if you deal with a company which would not close on loan even in 6 months. I am not sure what was their real intent. Every month they were requesting same documents over and over, and then just sitting without doing anything, at least, with my loan. They never answered the question when the loan was going to be closed. They are either unqualified or extremely arrogant. To add more insult, they did hard inquiries on my credit without consent. 
Hopefully, I saved some potential mortgage shoppers from dealing with RealFi.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (PA)

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items in the attachment.
Consumer complaint received 2021-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

We got in contact with our bank that is with our heloc for the amount of {$27000.00} They sent out a packet for us to fill out and send back On XX/XX/2021 for a modification. Everything was filled out and sent back with all documents required. We were waiting for a response in which the did by phone and said everything was approved. Thinking everything was fine and waiting for details and never heard back from them. I called and left several messages to return our call in XX/XX/2021 and haven't heard anything from them, won't return our call.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

I requested the routing number and the account number of my business Venmo account. The only available support method to make this request was Venmo chat within their mobile application. I chatted with a XXXX XXXX She cited company policy and stated the direct deposit was not available, refusing to provide me with my routing number and account number. As I understand it, I am entitled to know my routing number and account number. As I understand it, Venmo, and PayPal, its parent company, our essentially new interfaces for traditional bank accounts. I refusing to provide me with my routing number, and account number, Venmo forces, anyone wanting to pay my business to use their Venmo Processing service and charge a processing fee.