davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (LA)

In response to CPFB complaints # XXXX - XXXX my name is XXXX XXXX a federally protected consumer, and Iam making this complaint against Convergent Outsourcing Inc. for violating a cease and desist order notice they received on XXXX XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a cease and desist notice, Exhibit A. which is a copy of the account reporting on my Experian consumer report, Exhibit B which is copy of response to CFPB complaint # XXXX - XXXX, and a pdf of an FTC Report that will be labeled as Exhibit C when filing for litigation in Federal Court to this complaint. Convergent Outsourcing Inc. position that this account will remain reported to credit reporting agencies with accuracy as disputed, because I never contract with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ). I have not validated any alleged debts with Convergent Outsourcing Inc. and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. Convergent Outsourcing Inc. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract giving Convergent Outsourcing Inc any right to collect on this alleged debt. It is my belief that Convergent Outsourcing Inc are attempting unlawful extortionate activities and theft company are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. The Company also stated The Balance have been validated with the original creditor XX/XX/XXXX. I have never received any documentation requesting validation from Convergent Outsourcing Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If Convergent Outsourcing can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. Convergent Outsourcing Inc # XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX  I do not want to have this erroneous information in my report. It is an abuse that I am having bad credit because of this.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (FL)

My account with Midland mortgage was originally reported by Midland as having a late payment for XXXX of 2023. I disputed the late payment because at that moment I was in the process of a mortgage assistance application and such report should not have been made. 


After my dispute, Midland agreed to change the late payment to report as suppressed. XXXX and XXXX changed the information for XXXX 's payment as suppressed, but after two requests from Midland, XXXX has not changed the information as yet. 


Additionally, XXXX is also reporting my XXXX and XXXX mortgage payments as being late when Midland did not report such information, as the payments were NOT late. XXXX is the only credit bureau that's reporting XXXX, XXXX and XXXX as being late. None of the other credit bureaus are doing so so. The other credit bureaus are reporting XXXX as suppressed and XXXX and XXXX as paid on time. 


I have reached out to XXXX twice. First, to inquire about the XXXX payment not being reported suppressed. They requested that I asked Midland to send the information to them once again. Midland Mortgage assured me that they would re-send the request to suppress XXXX 's payment. XXXX still has not changed the reporting. Now they're reporting 3 months incorrectly. Midland Mortgage also assured me that they never reported any payments late for XXXX and XXXX to the credit bureaus. 


I reached out to XXXX again today XX/XX/2023 and they are adamant that the information they have received for all three months is information they got from Midland Mortgage. 


I would like XXXX to do as requested by the mortgage company. To change XXXX 's payment as suppressed and to change XXXX and XXXX payments as paid on time.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am writing to bring to your attention a series of ongoing fraudulent charges that have been appearing on my banking account with Wells Fargo. Despite my repeated attempts to address these unauthorized transactions through the proper channels, I have yet to receive reimbursement the funds that have been unlawfully taken from my account. 

The fraudulent activities have been persistent, spanning from the years XXXX to XXXX and originating from various financial apps accessed through my stolen XXXX, which was compromised in several data breaches involving my financial accounts. As a result of these unauthorized transactions, my Wells Fargo bank account was ultimately closed due to the excessive number of fraudulent charges that were incurred. 

Despite my diligent efforts to dispute these charges with the customer service fraud department at Wells Fargo when they initially occurred, the response I received indicated that the volume of charges exceeded a certain threshold, necessitating the closure of my account. This decision was made despite my compliance with the dispute procedures outlined by Wells Fargo. 

Taking immediate action, I promptly filed police reports to document the fraudulent activity resulting from both the robbery and the data breaches that compromised my financial security. I have provided Wells Fargo with detailed evidence, including bank statements highlighting all unauthorized charges and references to the respective police report numbers ( Robbery : XXXX ; Data Breaches : REPORT NUMBER : XXXX ) to support my claims. 

Even after being issued multiple replacement debit cards, my banking account continued to be compromised as a consequence of my phone 's involvement in the data breaches. This ongoing situation has caused significant distress and financial harm, for which I seek resolution. 

Therefore, I kindly request that Wells Fargo conducts a thorough investigation into these fraudulent charges and expeditiously reimburses me for all unauthorized transactions that have plagued my account. 

Your prompt attention to this matter and timely resolution of this issue would be greatly appreciated. I expect a swift response acknowledging the receipt of this complaint and outlining the actions that will be taken to address this critical matter. 

Thank you for your immediate attention to this urgent issue
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MS)

Beginning XX/XX/XXXX I am not receiving or have access to government funds until the XXXX of every month and I have funds deposited through SSI each month on the third of each month. 
I was told by one the workers that they can hold my money for three to seven days. 
I would like to see why Wells Fargo started this process in XXXX. I never had problems with this company before. HELP I have many screenshots and emails
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

The letters are stated with items and issues. 

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 2024-06-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America XXXX XXXX XXXX XXXX, FL XXXX Dear sir, I have received a letter from office in XXXX, FL, prepared on XX/XX/XXXX regarding my account ending XXXX. Even though this letter indicated the research request no XXXX, I can not remember which file you indicated as saying this account isnt being reporting to your file. I know that I already had some issues with XXXX XXXX XXXX ; however, since you indicated its name and asked me to contact to obtain from this company. I know I do not have any issues with XXXX which immediately added the security alert in XX/XX/XXXX after contacting to me ; even though I do not remember whether I requested or not. I did many things for my safety and security without grasping what was going with my identity and personal information. Since your company asked me to request the consumer credit report from XXXX XXXX, I will request it to its officially recommended office in XXXX in its website, not XXXX to avoid the mail missing or for the security of my identity in case the letter which your representative of office in XXXX might try to harm me since I received suspicious and impersonate emails and letters. Regarding XXXX XXXX XXXX, I have checked already what this company had sent without any request from me as far as I remember ; even though I might have requested during the process for my security without realizing. This reports/files contain the information account ending XXXX ; therefore, your information has incongruity, if the file is meant the report from XXXX XXXX XXXX. Anyway, if possible, would you explain what file is meant, if you are not impersonating office of Bank of America. 
Sincerely,
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

This Company is reporting fraudulent information on my account it has the wrong addresses social security numbers names Ive check on annual credit report and seem inaccurate information code USC 15 1681 supports my concerns that agencies should report accurate information I checked all credit bureaus that this company is reporting false information can you check into this matter please I also need the original creditor debt cant be sold to a third party under codes usc 15 1681
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, XXXX XXXX XXXX applied for a Chase Credit card online. We were approved and received an email stating we would receive our cards in 5 to 10 days with a credit limit of {$700.00}. We have great credit score but wanted to do a balance transfer. After 10 days we did not receive our cards but did receive an email stating if we made a {$4100.00} purchase, Since we didn't received our credit cards nor made any purchases. I called chase fraud department right away. I stood on the phone for XXXX XXXX to find out what was going on. I was told that we made a purchase of {$4100.00} dollars, I told them that we have never received the cards. Chase stated that they were mailed to XXXX XXXX XXXX XXXX # XXXX, XXXX. I told them why would they mail them to our old address since we lived at XXXX XXXX XXXX XXXX Az XXXX since XX/XX/XXXX and that we changed all our addressed before we moved out and when I filled out the application I put our new address so why did they mail them out to our old address. They apologize and said that they will send out new cards to our new address right away. On XX/XX/XXXX we received the new cards so I wanted to do a transfer but the rep XXXX from Chase accused me of stealing {$4100.00} from them. I was really upset and told him that his departments mailed them to our old address and that when I filled the application I typed in our new address and if they look at my chase account they will see that I made the changes with our Banks, all our creditors, and Post Office and that when I applied on the application I put our new address so why would they mail it to the old address, and why were they accusing me of fraud. I have great credit, because I care about my credit, I even called the same day that I received a text message that there was a {$4100.00} charge on my credit card that I never received. I called them back today XX/XX/XXXX and his name was XXXX who accuse me of fraud WHAT!!! I told him how dare him accusing me of fraud when I never received the cards at my new address and that the mistake was from their Company who mailed them out to the wrong address. 
I want this resolved, XXXX then hung up on me. 
I just want chase to get this resolved, We never received the credit cards and when we did receive the text message about a {$4100.00} charge we called them rights away. 

I want this to be resolved right away and I do not want their credit card after. I have 2 bank accounts with them for the last 10 years and never had any issues so we decided to apply for a credit card so we could do a balance transfer. Now I want to take my money out of my accounts because of how i was accused by XXXX of fraud
Consumer complaint received 2024-05-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (PR)

On XX/XX/year> I purchased a {$100.00} visa gift card at XXXX, the total amount paid for the purchase of the card was {$100.00}. 
When I go to use the card to buy online or in stores it is declined. I called the number provided on the card for customer service XXXX and the answering machine came up telling me to press numbers but it didn't work. Also go to the website shown on the card XXXX  but what I can do is just check the balance which is {$100.00}, but it doesn't work when I try to use it as said before. 
( Card issued by XXXX, pursuant to a lincense from XXXX XXXX XXXX Card distributed and serviced by InComm Financial Services inc XXXX
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (FL)

US Auto Sales has breached my contract and sold the debt to Westlake. Westlake is trying to force me to pay on a contract that is no longer valid. They are not able to collect payments from me because US Auto Sales is still the lienholder. The debt has been removed from my credit but they are still trying to collect on a contract they have no bearings on.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

There was a credit account open on XX/XX/2021 in the amount of XXXX XXXX XXXX  which then sold it to Midland credit management. Now Midland Credit management is now suing me for this amount. Both companies never sent me Any kind of letters about the account to dispute it other than Midland credit management sent me a summons Suing me for this account on XX/XX/XXXX XXXXI have no knowledge of this account.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-15
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. (RI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/2011 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$7000.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7000.00}
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (GA)

Incorrect names please delete : XXXX XXXX XXXX, XXXX, XXXX, I'll never live in the following addresses it is incorrect please delete:XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX, XXXX. I'll never work with the following Employer Please delete : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Delete all the unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following collection I'm a VICTIM of Identity theft I file the report : XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights XXXX5 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 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (MO)

On or about XX/XX/year> I submitted an online application to open a " Smart Advantage Checking '' account with BMO Harris Bank online. I did this as I was closing out my online account with XXXX XXXX XXXX and wanted a bank that had a local branch available. BMO Harris Bank does have a branch in XXXX XXXX, Mo. 
After completion of application I was notified via email that my account was open and my opening deposit of {$40.00} was approved and in my account. I also was able to set up my online banking at that time with a username and password. 

That was all I was able to do. After I tried to login the next day and found suddenly my account ( oh no ) no longer existed! I called as soon as I could ( I had to borrow a friend 's phone ) and was hung up on twice.. then when I did reach someone of gumption, was told my account had been " frozen '' and I would have to go to the local branch to sort it all out. 
I did go to the local branch even though I have a severe XXXX  issue and had everything with me ( I.D ., SS card, Birth Certificate, Bills, Proof of adress ) and the bank manager asked me a bunch of background info. Took over an hour. STILL left without my debit card or money. She said ( XXXX the bank manager ) that she sent an email and was waiting for a response. 
Next day I get an email from the bank manager telling me my account is still frozen, my money is missing, and will most likely never be funded because they can't find my deposit, and I will have to go back to the branch AGAIN to unlock my account. THIS IS CRAZINESS!!! 
Now I get two debit cards in the mail today. What? Why are there two accounts opened? I need to know what is going on.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank requested credit report on XX/XX/year>. 
Do not know this bank. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX