davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
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: Convergent Resources, Inc. (GA)

This is in reference to complaint submitted to the CFPB : XXXX. This company has failed to provide specific documents and is still within violation of the federal law that governs them as a debt collector. As a natural living person and consumer I am writing in regards to the alleged debt associated with Convergent Outsourcing account number ending in : XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide evidence of a forward flow agreement between your agency and the original creditor, and not merely a bill of sale, to establish the validity and legality of the debt in question. This includes documentation that clearly demonstrates that I have knowingly and willingly entered into a contractual agreement with your agency, outlining the terms and conditions of the debt. I have sent multiple complaints about this company violation of federal law. This company is complicit at this point in the federal law that governs and regulate them. They responded with false documents and did not provide proper proof per the law and regulations. As per the Uniform Commercial Code ( UCC ), a credit card is not a negotiable instrument that can be used to collect on a debt. Furthermore, the charge-off of a debt is considered income and reporting it as a debt is a violation of the FDCPA. I am also aware if there is a 1099-C for this alleged debt, it will be illegal for you to continue collecting on it. Therefore, I demand that you delete the account from my credit report and cease all collection efforts immediately. Please provide documentation to confirm that you have ceased all collection efforts and have deleted the account from my credit report. Please note that any failure to comply with this request may result in legal action being taken against your agency. Thank you for your attention to this matter.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Auto Trakk, LLC (IN)

I have contacted Autotrakk ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

I issued a refund of XXXX to some one and td went in my account and took out the money 3 times. this caused my account to be overdone and i was charged multiple overdraft fee. this started in XX/XX/XXXX i went back and forth with them until they fixed it in XX/XX/XXXX. I asked the to refunded the fees that was charged to my account due to the bank error and they told me that were not going to i asked them why they said they just can't.
Consumer complaint received 2022-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (AZ)

Reference : XXXX I reject your offer to contract. I have not given my lawful authority for any non affiliated third party to be in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028 A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I have reasonable cause to believe that Balanced Healthcare Receivables LLC,. XXXX XXXX XXXX XXXX XXXX XXXX. have all conspired to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies I will file for suit of intentional infliction of emotional distress
Consumer complaint received 2020-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

On XX/XX/XXXX, Ditech received a {$280.00} refund of an overpayment on my property taxes from XXXX. My mortgage account with Ditech was paid in full XXXX. I have called four times requesting a refund of this money and continue to get the run-around on why the money hasn't been sent, how one department has to request another department refund the money, and when I should expect to receive the money. Each time I call I get a different story about the status of my refund.
Consumer complaint received 2020-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (SC)

Purchased a Mattress Set on XX/XX/2020. The product in the store was a memory foam brand. I agreed to pick the product up instead of paying the delivery charge. Took it home, set it up and realized it was not the same product as the one I tested on the showroom floor. It felt like I was sleeping on a slate. It kept me up all night. I was in pain and discomfort. I suffer from XXXX XXXX and XXXX. I told the salesperson this when I selected the product. I was assured it would suit my needs. Product was picked up XX/XX/2020. I called the store at XXXX XX/XX/2020. The salesperson said I would have to speak to the Manager. I spoke with XXXX at Conn 's Home Furniture in XXXX XXXX SC. She said there is a no return policy because of health reasons. She also said I would have to sleep on it a while to break it in. I told her that was unacceptable. She referred me to their Customer Service. I spoke with XXXX. She also gave me the same conversation. The Mattress set is {$1300.00} plus Finance charges. I put down {$69.00} on the Lease to Purchase Program. I have medical issues and I refuse to subject my body to such conditions.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was charged by Capital One Mastercard for a {$22.00} cash advance in XXXX of XXXX. I did not know of this until I complained again about the usurious interest rate of 26.4 % being charged to my card account. When I first took up the telephone offer for the card the representative promised me that if I showed a good record of making monthly payments that my interest rate would be dropped to a lower percentage. Finally after about two years the interest rate was dipped for about 6 months and then went back to the original 26.4 % rate. I complained about this again in XXXX of XXXX and then I found about this unknown {$22.00} cash advance of XXXX that I did not authorize. The representative said he would forward this to the Capitol One fraud division. I then told him to freeze my account and not honor any further charges and I would not make any payments on the account until I got a paper trail bill dating back to XXXX of XXXX. To date I have not received the paper bill and I called Capitol One again on XX/XX/XXXX to both complain about the usurious interest rate and the fact that nothing had been done to remove the fraudulent charge on my account. I told them I would file a complaint with the Attorney General of Nevada and the FTC about the predatory actions of Capital One in telephone solicitations to induce and lock people into horribly high interest rates and not investigate fraud on my account with due diligence I hereby submit this complaint.
Consumer complaint received 2023-08-06
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. (MD)

This account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I see the following dispute notice on my credit report : " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration. ''  I do NOT remember giving Experian any issue date of the social security number in the past, and my social security number is valid as of right now. I'm willing to provide the issue date again, but bottom line is this dispute notice should go away.
Consumer complaint received 2020-01-10
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. (VA)

All 3 credit bureaus have removed negative accounts ( over 7 years in some cases ) and have began reporting these entries again. I have the proof. 

They have made it impossible to request a dispute to these entries and ask for information I dont feel comfortable providing because they have all been BREACHED! I have proof. 

All of the agencies have incorrect variations of name spellings, addresses, inquiries, phone numbers and just outright have refused to correct these issues, making it appear that I have at least 25 different aliases. After being requested to have this updated repeatedly. I have proof. 

They have also allowed collection companies to report ( past 7 years ) using erroneous dates or data on the report. I have the proof. 

XXXX/XXXX  have frozen my reports and wont allow me to obtain my reports to ensure accuracy. So essentially frozen to me ( the consumer ) while the creditor has free reign to report whatever they want? That is backwards. I have the proof. 

Experian is reporting my score 100 points less ( to creditors ) than what they are reporting to me. I have proof Experian has pulled my credit upwards of 50 times and have these inquiries attached to my credit, lowering my score. I have proof. 

These inaccuracies are impacting my ability to obtain credit and has caused me LOSS on more than several occasions. Which has/can impact my employment eligibility. I have proof. 

I want these things corrected IMMEDIATELY as I am on the brink of suing every single agency for the issues mentioned above! These reporting agencies should not be allowed to do this to consumers. It is unfair and extremely frustrating to not be able to get any help from them when they accept any and all things reported as blood bought truth.
Consumer complaint received 2020-01-10
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: EQUIFAX, INC. (MI)

I have contacted Equifax on several occasion about fraudulent and incorrect info on my credit report. A letter was mailed to me XX/XX/2019 stating Section 605B ( c ) of the Fair Credit Reporting Act is not removing any information from my credit report. Due to the erroneous fraudulent items on my Equifax credit report I am not able to utilize my credit effectively. Please assist me to ensure Equifax comply with the concerns of this manner. 

Thank you
Consumer complaint received 2020-01-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (NJ)

There is a company called NELNET that as been harassing me since around early 2017 until this day about student loans I dont know of. I found this out when I check my credit report. I tried to get help from other companies to help me with this issues, and no help. I filed Numerous disputes on all three Credit bureau, I even file a complaint with the Identity theft.gov to download the documents they Provided for me to give to all three credit bureau, And they refuse to remove all negative reports on my credit report. I wrote them Numerous of times do not contact me in letters anymore. and they are still harassing me on loans that is not mine. and Ive never knew of them. They are using Illegal promissory notes that was not done by me and falls names and addresses of people I dont know and promissory notes that are outdated. Please help.
Consumer complaint received 2022-07-06
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 an account without my written instructions.
Consumer complaint received 2024-02-23
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. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (NY)

t has been more than 60 days since my original request and it is illegal for this to happen. I sent certified mail with return receipt and first class mail. I have reached out several times and have asked them to verify and validate accounts that i am disputing. They responded that these accounts are accurate and verified. i reached out again and ask for a re-investigation and still after the reinvestigation it comes back as accurate and verified. The law states that- U.S. CODE In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or remove that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

The dates contained in my credit file for Midland Funding LLC are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX  and not Midland Funding. The XXXX XXXX XXXX  account was closed by the original creditor and the debt forgiven. Midland Funding LLC is in direct violation of the FCRA. Midland can only report debts that is owed to the original lendor or Midland. XXXX XXXX XXXX forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. Midland Funding is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA Midland must produce documentation that XXXX XXXX has made an agreement that he owes a debt to Midland consistent with the dates within the credit file. If Midland can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Company continues to stall, ignore, and block me in addition to allowing inquiries and unauthorized accounts to report on my consumer report which adversely effecting me. I have spoken to several managers and they have NOT been helpful. I have not had access to my consumer report in order to verify the items. The managers and agents have verified the FTC report as I have attached my initial report from XX/XX/2022. The comments state what my requests were - removing specified accounts and all inquires as I have not applied for anything. The FTC report ONLY allows 5 accounts to be added, hence the consumer statement.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

1. I logged into the Citibank app to make my payment on XX/XX/XXXX ( my due date ). The app showed that the minimum payment due was zero and balance on the statement generated on XX/XX/XXXX was also XXXX. Screenshot attached. So I didnt make any payments. 
2. I tried using my card out of the country and also after returning back to the US ( on XXXX, XX/XX/XXXX ) and several other occasions. The card was being declined. 
3. I got a debt collection call from Citibank mid XXXX ( maybe XX/XX/XXXX or so ). I was furious that my account was marked delinquent for no fault of mine. I was asked to make a payment immediately and I refused as I was not due until XX/XX/XXXX for the next payment. I also asked for a complaint to be raised. 
4. Till date no action has been taken on my complaint and no one has reached out to me. 
5. I called again and an agent offered to waive my late fee and interest charges for XXXX. 
6. I faced the same problem earlier in the year where I was showed a zero balance but was charged a fee. I talked to an agent for a long time and that was resolved by refunding my account. This is a repeat occurrence.
Consumer complaint received 2020-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (PA)

On XX/XX/2019, I wired money ( {$25000.00} ) to XXXX XXXX XXXX XXXX out of the XXXX via their U.S. agent in Florida, XXXX XXXX, at Sun Trust Bank in XXXX, Florida. This scam artist stole the money. I filed a complaint with the local police, incident # XXXX, XXXX XXXX Police, of XXXX, Pennsylvania. The police issued a search want to Sun Trust to produce evidence of the crime. Sun Trust has failed to comply for two months. XXXX XXXX  was the origin of the wire.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

According to the website Experian.com, the account XXXX this account brings out it was opened on XX/XX/XXXX and thus in XX/XX/XXXX it says this was paid, yet for a collection account, and possibly terminated for default. 

This Creditor doesn't seem accurate and thus only leaves there old info ; U.S Depart of Edu/ XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IA XXXX XXXX this info be accurate, or an old collection sold to a different deferral student loan? And thus it states the balance amount is {$1200.00}, beginning in XX/XX/XXXX through XX/XX/XXXX, the red marking for late payments mad to this account.
Consumer complaint received 2020-01-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CT)

true accord contacted me about money that I owed to XXXX XXXX bank they told me I could settle for XXXX I paid XXXX which I over paid by mistake. in am on disababity and I need that over payment back to me they said they would also take this off my credit report if I paid and would return my over payment back to me