davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing XXXX XXXX. : XXXX XXXX XXXX Account No. : XXXX ( Please see attachment for account in question ) Submitting Claim for violation of : US CODE 15 U.S.C. 1692e - False or Misleading Representations A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. 

I have reason to believe Convergent Outsourcing and XXXX XXXX are in violation of FDCPA guidelines by utilizing my information to collect a debt that is not owed by me. Please remove my account from your files and stop reporting this negative information to the credit agencies or I will be forced to sue for {$1000.00} in punitive damages.
Consumer complaint received 2019-11-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Received a voicemail from a person claiming to be calling on behalf of XXXX County and was calling to inform me that unless I called them back, they were going to make " multiple attempts '' to serve me papers at my home and place of business between the hours of XXXX and XXXX the following day or and if they were unable to, I would end up missing my scheduled court date. Caller provided me with a case number, their return phone number ( XXXX ), and a name ( XXXX XXXX ). Since this is not the first time I have received a strange call like this, I proceeded to call the XXXX County Clerk and District Clerk to try to verify the case number, check for any court dates if applicable, and find out what the matter was in regards to. After speaking with several different departments at XXXX County, I found that XXXX County had ZERO records of any such case number or my name in their system at all. 

I proceeded to call this XXXX XXXX back at the number provided and he informed me that the call was in reference to an old payday loan debt with a company called Ace Cash Express. This is the same company/debt that I had already filed a complaint against with the CFPB a couple years ago because they called impersonating a XXXX County Deputy ( they even made the caller ID show up as XXXX County ) and threatened to have me arrested if I did not pay the debt. Since this is against the fair debt act, I filed a complaint but the complaint ended up being closed with no resolution because when CFPB contacted Ace Cash Express, they denied the claim/debt was theirs and the debt collector that they had sold the debt to refused to respond at all. CFPB requested additional information since they were unable to get any response but since the debt collector refused to give me any more information I had none to provide and the complaint was eventually closed. 

Now, two years later, I am getting the same threatening calls at my pwork. This time threatening to seize my car and take me to court if I did not pay the debt TODAY, and that if it ended up going to court, that the amount due would be 5 times more than the amount they were asking for now. 

When I explained that I had already filed the complaint with CFPB the last time they called ( to which they had never responded to ), the caller got very angry, talking very fast and threatening saying " they were owed this money '', that they " were going to seize my XXXX XXXX '', and then said " Good Luck in Court '' and hung up.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

I initiated an instant transfer of {$100.00} to my bank account through Venmo on XX/XX/2024 and was never sent the funds. 
I have since reached out to Venmo several times and when directed to contact my bank, I was informed by XXXX that no such transaction ever made it to them. XXXXXXXX XXXX  also confirmed this to a Venmo representative several times. 
Despite being provided ample amounts of proof that the funds never reached my account and despite XXXXXXXX XXXX also corroborating this, Venmo continues to insist this transaction was successfully completed despite the evidence provided, and has continued to refuse to transfer me the funds I am rightfully owed.
Consumer complaint received 2023-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (TN)

Back in the early month of XXXX XXXX I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.
Consumer complaint received 2021-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (PA)

I borrowed a personal loan of {$35000.00} from Upgrade on XX/XX/2019. Though the loan amount was disbursed only {$32000.00} as {$3000.00} went towards origination / processing / application fee. 

Interest rate : 21.93 % per year Since then I have already made the payments as below : Total amount paid until now : {$23000.00} Amount credited towards principal {$18000.00} Amount credit towards interest {$5800.00} Loan balance as of today : {$22000.00} I understand that the interest is being unfairly being applied to my account as a result the loan balance is not going down. 

I have enclosed the loan agreement form and the details of my payments.
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (FL)

I have two collections on my credit report from this company that are both for medical bills and are both under {$500.00} ( one for {$460.00} and one for {$260.00} ). They are from Americollect and there is no phone number anywhere to reach them. I have written letters and have not received a response.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (TX)

I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

Experian has the following inquiries I want removed Immediately. 

XXXX XXXX XXXX/XXXX/22 Experian XXXX XXXX XX/XX/22 A paystub and passport have been uploaded with complaint for ID purposes.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

Account status had not been updated since XXXXXX/XX/2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

In your response to my initial complaint, you stated that during the application process I was advised that I was not eligible for the welcome offer. PLEASE SEND ME all signed documentation that I agreed to & understood that I was not eligible for the welcome offer. As I applied for this card on the XXXX XXXX  in the XXXX sales office, I do not have any copies of this application. I do not recall being informed that I was not eligible for the offer. This is a bait and switch of deceptive sales practice. Do the terms & conditions stating " if you opened a XXXX XXXX card in the last 24 monthshave no merit for your offer? Once again, I am very disappointed in American Express and XXXX. 

Initial Complaint : On XX/XX/XXXX, I applied for an AMEX XXXX XXXX credit card in the XXXX XXXX XXXX in XXXX XXXX, FL using the terminal in their office direct with American Express. The sales person knew I already had a XXXX XXXX XXXX credit card. The promotion was 0 % interest for 15 months and if you charge {$6000.00} in the first 6 months you get XXXX bonus reward points. Upon approval for the card ( XX/XX/XXXX ), I charged {$15000.00}. I still have not received my bonus rewards to date. AMEX is telling me I am not entitled to the bonus rewards because I already have a XXXX XXXX XXXX. According to the terms & conditions, which I have attached, if you opened a XXXX XXXX card within the last 24 months, you can not receive the bonus points. I opened my XXXX XXXX card in XX/XX/XXXX.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2023 I received a denial of credit during a pre-approval process with an auto lender due to Insufficient or Derogatory Credit. They noted their decision was based in whole or in part on information received from Experian. 

I then immediately went on Experians website to get a free copy of my credit report from Experian as the Fair Credit Reporting Act requires Experian provides me if I request it within 60 days of an adverse credit decision. 

I eventually found the appropriate form to request the report online. ( This was not easy to doit is hidden on Experians websites homepage, or else buried under dark patterns. I had to use a XXXX search to find the relevant form on Experians website ). 

I filled the report request out and submitted it. I then answered identity verification questions. After answering these Experians website took me to another page which said my session had expired. All this took place over a period of around five minutes. I then redid the report request. Instead of asking me to verify my identity the website then took me to a page which stated, We were unable to honor your request. If you entered your credit card information, we did not charge you. Below this was a form to print out and mail into Experian. These are attached to this complaint. 

To be sure this was not caused by a website error from using my browsers back button I restarted the process once more from the request due to adverse credit decision webpage. The third time was not the charm, and I received the same notice as on attempt number two.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Account status had not been updated since XXXX of 2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (OR)

I was incarcerated and someone had my phone along with all my accounts in their possession. I filed a police report and Venmo is stating that since some transactions occurred more than 180 days ago there's nothing they can do and they suspended my account and I have a balance of XXXX dollars in there that im unable to use
Consumer complaint received 2022-05-24
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. (DE)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OK)

I recently purchased a home and I noticed on the credit check a Collections account with Amsher Collection Services. This account was evidently a delinquent account from XXXX XXXX that was opened in 2020. I have never had an account with XXXX XXXX. I have had accounts with XXXX XXXX XXXX, XXXX XXXX and XXXX and I have always paid my bills on time for over a decade.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (TX)

FCRA violations : payments never late XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$1100.00} Status Closed. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (TX)

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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  and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2022-05-24
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. (DE)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-05-24
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. (TX)

In accordance with the Fair Credit Reporting Act my bankruptcies case numbers XXXX, XXXX, XXXX has been violated. I applied for auto credit, without my knowledge numerous companies ran my credit without my permission 15 U.S.C. 1681SECTION 602 A states I have the right to privacy U.S.C. 1681 SECTION 2 It also states a Consumer reporting agency can not furnish an account without my written instructions.