davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MN)

On XX/XX/2019 Convergent Outsourcing Inc. mailed me a letter claiming that I owe XXXX XXXX or XXXX {$43.00} and that this creditor has placed my account with their office for collection, and that I can pay by mail, phone, or internet. It is stated that I have 30 days to dispute this and if I do not Convergent will obtain verification of my debt or obtain a copy of the judgement against me. 
I have been in touch with XXXX through email on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX ), and talked with a XXXX Security Customer Service Representative on XX/XX/XXXX ( XXXX XXXX ) with concern about the security of my account, to verify I do not owe money, and that Convergent Outsourcing Inc., is falsely claiming I have outstanding debt and trying to collect money on their behalf. 
XX/XX/XXXX ( XXXX ) I have mailed a dispute letter to Convergent Outsourcing Inc. stating them of their false claim, that I was keeping the original collections letter, and reporting them to XXXX , Minnesota Department of Commerce , Federal Trades Commission , XXXX XXXX XXXX , Consumer Financial Protection Bureau , that I know my rights under the Fair Debt Collection Practices Act, and to not contact me about this debt again. Convergent Outsourcing Inc. has my name and address and hopefully nothing more than that.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX ( XXXX XXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KY)

I simply can't access XXXX or XXXX. I was able to get one from Equifax last year but not now. I don't know if a previous address wasn't reported to them but I get knocked out of the online and phone applications when I answer to the best of my ability. Actually I was told today by a bank lender she couldn't verify with XXXX so she called me and said my maiden name was listed instead of my married name. ( I have a SSAN card with official married name since XXXX 2015!!!! ) So why waste my time mailing an application when who knows if my information will match theirs. This is impossible! Except for the lenders who buy from them I see. They can get the information right away. I am a XXXX XXXX XXXX veteran with XXXX trying to get a VA Mortgage and they ask me arcane questions I don't remember ( some phone number from years ago, etc. ). This is making me feel hopeless. Just get me the reports, please!!!
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CO)

I'm being charged an inspection fee when I shouldn't be. The company is saying they can't waive the fee because it is a 3rd party fee. 

The story behind it is I bought me home on XX/XX/2022. I made a payment on with my previous loan servicing provider on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to current loan provider, Flagstar. Flagstar lost the original payment I made with my previous provider they were not able to recover it from the previous provider until XX/XX/XXXX. When they were waiting for the payment from my previous provider in XXXX they suspend all the payments I made to them XXXX. This kicked off an automatic system that had someone come to my house and see if the house was being lived in. I was home almost the entire day that day, but they I never had anyone ring my doorbell. 

I contacted flagstar about this insepction fee on my bill and they said they can't waive even though I was current on mortgage payment.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

There are numerous fraudulent accounts in my report that are trying to collect debts that i don't own. Please remove these as soon as possible. Thank you 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 2019-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (MS)

My lease was up XX/XX/XXXX, paid rent & additional charges to include sewage, water & garbage. I was told that everything on the account was paid in full & no special instructions were given to move out. I was told to clean & leave the apartment as it given to me. I was charged for a tv XXXX satellite not being removed, which was not explained to me as a requirement to do before I moved. Also, the blinds I was charged for were chipped when I moved into the apartment 4 years ago. The damages that were stated are normal wear & tear and also petty complaints. XX/XX/XXXX I receive a collection notice from national credit systems that XXXX XXXX XXXX XXXX XXXXXXXX XXXX states I owe a bill. My security deposit was already taken due to the complex stating somethings were damaged & not clean ( after I moved to another state ) No one did a walk thru with me to notate things proposed issues. After taking the security deposit now I have a bill from a credit agency saying I still owe for outstanding balance on my account, which is not true. Also there was no notification of debt to the forwarding address, which is out of state.
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage was sold to Nationstar from XXXX XX/XX/XXXX. This is a loan modification that was in effect since XX/XX/XXXX, with never a late or missed payment and no issues XXXX. Since XXXX has had this loan there have been multiple problems. In XXXX my payment was increased due to an increase in the required amount for my escrow impound account. That was n't the problem - I only became aware of the increase when I received a letter in late XXXX from Nationstar stating that my XXXX payment had not been made. My credit union statement showed that it had been made on time. Because Nationstar had not received the full amount ( the new amount ) they suspended the payment - again with no notification. When I was finally able to find out what had happened to the payment I made, I paid the difference with the XXXX payment.They reported this to all XXXX credit bureaus as a late payment and in the case XXXX, continue to report that there have been no payments in XXXX, XXXX or XXXX. I have not missed or been late making payments on this loan and all payments are current. They are also reporting to all XXXX credit bureaus that my delinquent balance owed is {$63000.00}. This amount is part of my loan modification terms and is a deferred balance that does not incur interest or require payment. They have destroyed my credit that I have worked diligently to repair and I fear they are trying to dismantle the loan modification that I worked so hard to get. I have filed disputes with all XXXX of the major credit bureaus, but in the meantime my credit is a disaster. Please help.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax Information services is reporting XXXX XXXX account ending in XXXX on my credit file with a balance of {$11000.00}. This is inaccurate and false. I do not have a XXXX XXXX account with such a balance, and it also shows more than 4 late payments, which is also inaccurate. I called the equifax representative today, the fraud department, and the representative told me he already had a copy of my ftc report with the account in question on it. he informed me that he will remove this account, but i do not see a dispute raised to remove the account. I also called XXXX XXXX today on two occasions but they refuse to answer my calls. this has happened in the past also.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS THAT I WAS REPORTED LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 Section 602 A. state 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 an account without my written permission.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make consumer report obtaining any of the following items of information. Any adverse item information, other than records of conviction of crimes which antedates the report by more then 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in LATE 30 DAYS to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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 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, 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 2023-07-02
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 (UT)

Following my divorce, my former spouse and I needed to close our joint checking account and associated credit cards with Wells Fargo. My former spouse agreed to do this on our behalf. I found out later that even though the checking account was closed, there was still an a credit card open in my name that was paying for his XXXX account and a few other small payments totally under {$200.00} when I became aware of the still active account. Because the checking account was closed, there was no longer an auto-payment going to this credit card account and therefore my credit was damaged for missing a payment when I didn't even know it was still open and when charges were being made that weren't even mine. As soon as I became aware of the problem, I called Wells Fargo, paid off the account and had them finally close the credit card account. My former spouse paid me for the XXXX charges incurred and apologized. More recently, I tried to file a dispute with Wells Fargo to rescind the negative mark on my credit report but it was denied. I don't know what the Wells Fargo employee on the phone put in my dispute even though I asked them to send me a copy of it. Throughout my many years of having this credit card with them, I have made on time payments for years and never had an issue until this juncture of needing to close out joint accounts as part of my divorce and things getting messed up. I'm really hoping this can rectified so my credit isn't damaged.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

I would be willing to accept this debt {$880.00} if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that the company can validate it. I'm sure they are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. If no proof, please remove
Consumer complaint received 2015-09-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Dear sir/madam, I heard about you through a magazine. your article gave me a hope so I hope you can help me as well. I would like to complain about nation star mortgage. I have bee with this mortgage company since 2007. I have refinanced my house once in this whole period of time. Last year my husband was incarcerated, and I was left with all the financial responsibilities. I have XXXX kids, and I work full time in retail. I have been trying my best to take care of everything. I work long shifts and sometimes I work 7 days a week. I can not spend anytime with my kids. they stay at my parents or sisters during the time I am at work. I tried to get some help from Nations star mortgage. first of all they took forever, the person who was assigned to bring my mortgage amount lower was so hart to get a hold of. he would never contact with me on a timely manner, the time he would provide me with the updates. I was so tired of calling Nations Star. They would never give me a proper answer. I had almost given up. One day I got a letter that I was not eligible. I think they did n't take proper action to solve my problem. I am so furustrated. Please help!!!! 
thank youXXXX XXXX
Consumer complaint received 2024-06-05
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.