davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

I received a debt collection letter by convergent outsourcing on behalf of XXXX XXXX stating that I'm in debt of {$240.00} in which I knew nothing about or have a current service with this company. I'm getting threatening letters about submitting me to the credit collections potentially messing up my credit for something I know nothing about. I've contacted them but never get an answer and wanted more details about what's going on.
Consumer complaint received 2022-09-14
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. (WA)

This complaint is aimed at the three credit bureaus ( Equifax, XXXX, and XXXX ). 

Although the actions described below are legal according to the Fair Credit Reporting Act ( FCRA ), the result of the misuse of credit reports and personal information creates an undue hardship for consumers. 

My situation began on XX/XX/2022. 

I had submitted a loan application with a local mortgage lender, and got pre-approved. My credit is solid, and my household income allows me to afford a home purchase. 

Following being pre-approved, I was bombarded with solicitation calls and text messages. On Monday, XX/XX/2022 I received about 37 calls from different lending institutions soliciting me for my business. Let me repeat that ; OVER 37 CALLS!! That's insane, and I've never experienced something like that before ; certainly not when I bought my last home. 

I am filing this complaint as a record because I will also be reporting them to the XXXX as well as writing my congress person to speak about change. These companies need to know their place in society, and selling consumer information for a profit is not where they belong.
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (KS)

I had entered into a open mind credit loan with speedy Cash back in XXXX. I ended up getting sick and my job or 10 years was not able to meet my accommodations and had to terminate at the end of XXXX  in XXXX. I ended up not being able to pay off the loan and my car got repossessed. The title loan was paid off but the open my credit was left open. Due to my situation at the time ( my boyfriend of 10 years ended up kicking me out of my house after I lost my job ), I wasnt able to maintain any contact or knowledge on what happened with this matter. He recently I did get a title loan with speedy Cash and it was never a problem mentioned with that open line of credit line still being shown in their system. I did pay off The title loan and had recently gotten in contact with him to try to do A payday loan with them. Well I was trying to gain access to my online account and still was not able to ever successfully do so they advised me that they werent able to approve me for a payday loan even if I were to submit an application form. They stated that third-party was handling the collections on it and when I was transferred over they said that the lawyer by the name of cars had been paying on the title loan and gave me a number here locally to get a hold of them. I ended up not needing to pay the loan back trying to get a hold of the lawyer without success. When I called back Payday loan company to get for your information on what was going on with that that I was told after being transferred over several times to different departments and again to the out of office collections third-party collections, I was asked if there was another person that was associated with my account which I advised them I did not know that individual nor was anyone else supposed to be associated with the account. When I tried to get more information on this I was put on hold for a long wait after being transferred back from the third party collection company ( seemed like only the third party collections told me anything and the payday loan company concealed this info from me ), I was told that a lawyer would be in contact with me. My problem is with this is that after going through extraordinary House traffic loss events and having gone through a lot of the necessary hardships if it wasnt for me going back and trying to clear up any past billing situation I would never be aware of this. Im still waiting to hear back from the lawyer but for now I am concerned about seven years of going on eight ears of a lawyer that was paying some amount that couldve been possibly not match after the same company repossessed my vehicle and didnt ever put it on my credit report and only put me in a worse situation where it is affecting my credit negatively. In addition to allowing other peopleThat I have no clue who they are were allowed access to my account and who knows what happened Ive been concealed for me.
Consumer complaint received 2023-02-03
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)

On XX/XX/XXXX I filed a dispute against XXXX XXXX with all XXXX of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported XXXX inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The XXXX XXXX XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX and then reports no other data for any of the other months or years. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The XX/XX/XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The XX/XX/XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but XXXX XXXX continues to report to the XXXX credit bureaus that I am still past due {$9700.00}. after it reported a XXXX-C to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these R accounts listed below are in violation of not reporting % XXXX accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX Partial Acct # XXXX ... 

XXXX XXXX Partial Acct # XXXX ....
Consumer complaint received 2021-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd. (WI)

In reviewing case number XXXX Cottonwood Financial XXXX XXXX Vs. XXXX XXXX did not disclose payoff or close out of Civil Judgement. I do not have a Judgement status or date. I did file a chapter XXXX Bankruptcy, United States Bankruptcy XXXX XXXX XXXX XXXX Wisconsin, http : XXXX Case number : XXXX. I request paperwork on this older judgment, for satisfaction in the courts.
Consumer complaint received 2019-02-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (GA)

In XXXX I purchased a Truck that was financed through XXXX XXXX. The truck stopped working and they picked the truck up. XXXX then put the repo on my credit and sold the truck for the remaining loan balance. XXXX advised me that the loan balance was XXXX but would remain a repo on my credit and I understood. In XXXX of XXXX I started receiving letter from attorneys stated I needed to contact them bc a Civil action had been filed against me from XXXX XXXX XXXX. in reference to this same XXXX loan. This loan has had a XXXX balance since they sold they truck and recouped my loan amount. I also was never served or given any paperwork or documents in reference to this civil action.
Consumer complaint received 2023-03-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (OH)

I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (OR)

On XX/XX/XXXX i received notice on my credit report that i owed XXXX XXXX {$230.00} being reported by waypoint resource group LLC who is a collection agency so i called them up and talked to them on the phone about this new collection.they told me that my date of my last payment was XX/XX/XXXX I have no Knowledge of this account and i have never had XXXX XXXX XXXX.I have submitted disputes to all 3 Credit Bureaus as they are reporting my last payment was XX/XX/XXXX which is not what they told me when i talked them on the phone.i need them to update my file with the correct date they told me on the phone or delete this frivolous and inaccurate account on my file.the 2 credit bureaus have verified this account as being accurate and 1 has deleted the file ... Waypoint Resource Group has failed to provide me any contract or documentation regarding this account being true.and owed by me.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I opened an account with Bank of America. I connected my external bank account to my BofA account through the online banking system they offer. I set up a transfer to have my funds from another bank deposited into my BofA account. I had two transfers initiated because each transfer has a limit of how much can be transferred at once. Two days after the transfers hit my account I tried using my debit card. Declined. Why? I had plenty of money in my account. So I call customer service. They informed me that they closed my accounts due to a " business decision ''. They would not provide me with a valid reason as to why. My account was closed on XX/XX/2022 and we are now at XX/XX/2022 and I STILL do not have my funds. Every time I call Bank of America they give me the same answer. " A Cashier 's check was created but we had to forward your case to another department for further review. '' When asked to speak with that department I am told that I have to wait for them to contact me via email. They can not be contacted via phone call, transfer or email. This is ridiculous and I just want my money so I can go to a bank that will value me as a client.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank. XXXX, CA .... Would charge unexpected fee for payday loans. In XXXX location would deny cash withdrawal from account. However, .re. Locating to an alternate branch in XXXX for example the withdrawal/loan would auto approve. Other examples include certain areas. Not approving request for auto loan or line of credit. And again able to approve in more affluent areas where employees are more willing and happy to assist. Funds were fraudulently received fr my acct .Although after reporting incident and filing for compen station and resolution it never occurred.These and other actions occured over XXXX...
Consumer complaint received 2021-09-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2022 I received an email notification of a card open, but not my name, from Barclays Bank, Delaware I do not know the name on the card or why I received a notification I called customer service and they asked for my last 4 of SS # and BD- which I did not give. 
They were not able to do anything about it without that information I am concerned the card is open using my information
Consumer complaint received 2022-09-14
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: CURO Intermediate Holdings (TX)

This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Ad astra recovy serv and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed XXXX  XXXX  Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX, the loan servicing my Perkin 's Loan, withdrew funds for two accounts  from my checking account while my account was in deferment. I called to explain that their mistake is causing me to have a financial hardship, which is contrary to the purpose of deferments, and they stated it would take 45-60 days to return funds to my account. I found that to be completely unreasonable. I requested the assistance of a supervisor who then told me he could get it to accounting but it could take up to 3 weeks, even if it is expedited. I was not happy with that, nor do I find their practice to be feasible given the fact the mistake was on their part. I called a week later and they still have not reviewed my account. I feel someone needs to look into why they are not able to reverse payments when they make a mistake with in the standard 3-5 business days.
Consumer complaint received 2023-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Department of Education does not have my accurate payment count on their website. The website is missing payments made from XX/XX/XXXX to XX/XX/XXXX. I should have made my XXXX qualifying payments years ago. I have tried talking to XXXX and they have stated that there is nothing they can do. I have tried reaching out to Fed Loan Services and I can not reach an actual person. I contacted Navient who used to be my loan servicer and they provided me with documentation proving I made payments during this period of time. Nothing has been done.
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Went to Rent a House for my XXXX bday, found a person through XXXX and she talked me into sending her {$690.00} deposit via my bank site, When I logged into my bank site I was able to do a " XXXX '' bank transfer which I thought since it was my own bank site they would have my back. Long story short, the person that I sent the {$690.00} dollar deposit cancelled my reservation when I asked for more details less than 24-hrs later and did not give me a refund as she promised. Since then I have filed a complaint with my bank twice ( Chase ) and they said that all XXXX bank wires are non-refundable. I filed a police report with the XXXX County Sherrif 's office and they said this is a Civil Matter, I spoke with XXXX XXXX   and they did not care and then Finally I hired a Lawyer who sent three certified letters to who we " think '' this person is. The problem is the person I sent the money too I only got their phone # ( which was the # I used to direct deposit ) and her email address. My lawyer found the house I was " supposed '' to have rented and sent certified letters asking the person to give me my {$690.00} deposit back but they have fallen on deaf ears or they have been refused. The bank still does not care that I sent {$690.00} to someone and I received nothing in return. I was scammed and because it was through " XXXX '' I have no protection. The lawyer said we could file a Civil Suit which would be another XXXX dollars but the biggest problem is we do not know who the person is and if we try to serve them with a process server that will cost more money, and if they even show up for court is another story all together. I just want my {$690.00}, I have a lot of proof, including a lawyer who tried to help with a demand to give my money back. The thing is, they were going to give me my money back but started giving me " rules '' -- they wanted me to send a picture front and back of my license but I was uncomfortable with that. Another interesting note, the rental house is still active on the " XXXX XXXX '' rental site but the person changed the name from " XXXX '' to " XXXX '', again XXXX does not care and does not want to help. Please look into why XXXX is not protected and what you can do to help me recover my {$690.00} deposit that I Sent. I have all the proof that this money should be returned to me. 

Important Info : Person I spoke with said her name was " XXXX XXXX '', her phone # is XXXX and her email address is : Email : XXXX The house address I was supposed to rent, the lawyer found it as address : XXXX XXXX XXXX XXXX, FL XXXX which is owned by a XXXX XXXX XXXX which comes back with the owner : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX FL XXXX -- XXXX has not responded to certified letter or calling him once. XXXX XXXX is another name that came up as well with the original phone #. 

https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (CA)

I closed out my XXXX XXXX account in XXXX and I forgot to return the equipment back to XXXX in XXXX. I came to the XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XX/XX/XXXX to return the modem back to XXXX. The XXXX returned it on XX/XX/XXXX. However, XXXX and collection company stated that they have not received the item that I returned. I called XXXX more than 10 times and they were positive that the item was returned, and XXXX received it. 
XXXX  and collection company have placed a collection in my credit report just in XX/XX/XXXX. This is wrong because I have returned the modem as promised. The XXXX employee at this location can verify that he returned the equipment back to XXXX