davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

Receiving letter from Convergent for a debt I do not owe nor anything on my report. This is fraudulent. They kept insisting on me giving my date if birth and social security number when I called with account number also. This is ridiculous. How are they in business?
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Equifax On XX/XX/2019 my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats XXXX points negative. 
When I called Equifax I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to equifax I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of equifax if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like Equifax cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect on my credit report?
Consumer complaint received 2019-07-24
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. (MI)

I had an account that was removed from my credit report months ago and it showed back up on my credit report with a new collection agency. Im guessing it was sold but it was removed from my account before it was sold due to violation of HIPPA act law. This credit company is not properly handling the issue they just keep adding things and not paying attention that the account has already been removed. I have submitted a request to dispute the account again when I shouldnt have to due to it already being removed from my credit report.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America refused to disclose if : they are suing me for an alleged debt if they are, the name of the attorney representing them refused to verify the status of the alleged debt, if it's been charged off and sold, or the actual owner of the alleged debt if it has been, with corresponding dates of transfer of ownership contact information of Bank of America employee/employees that is/are the account manager/managers of alleged debt that is/are responsible for the oversight and review of such account as to ensure accuracy of any and all payments, disputes, and alleged charges
Consumer complaint received 2022-06-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  also known as XXXX XXXX- Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have been placed on collections by : LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX   XXXX XXXX , SC XXXX ( XXXX ) XXXX-XXXX.. 

I requested documentation proving this account beloved to me, and have not heard from them to this date. The company is showing in my credit report and is unable to provide written documentation i have requested to me.
Consumer complaint received 2019-11-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (VA)

I have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name XXXX XXXX XXXX XXXX of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad Astra Recovery Service, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have notice over and over again my accoutn being minus and find myself paying well over {$200.00} of over draft fees. And thing that I pay via debit should automatically show as being cleared the smae day. Bank of America shows everything as processing even the things I have debited. They could not answer my question when I asked. Long story short they had to refund me {$320.00} because they were wrong. This has been going on for a while and I am sick and tired of wasting my time EVERYTIME this happens. For all I know they may owe me alot more money. Can someone please investigate this.
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (PA)

I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail.
Consumer complaint received 2019-07-23
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. (FL)

I have no idea who or what these accounts ares or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. This report is indicating that these accounts listed on the attached letter was opened. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized as a third-party collection agent if applicable.

4. Provide a true and correct copy of the instrument by which company } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to the company, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2021-09-23
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. (FL)

IN AN EFFORT TO REPAIR MY CREDIT REPORT, I DISPUTED ALL INCORRECT INFORMATION ON MY REPORT AS OFXX/XX/21. SPECIFICALLY WITH XXXX XXXX XXXX. 
AS OF XX/XX/2021, THIS ACCOUNT WENT TO LITIGATION AND A SETTLEMENT STIPULATION IN THE AMOUNT OF {$1300.00} WAS REACHED BETWEEN MYSELF AND XXXX XXXX XXXX. I PAY {$220.00} PER MONTH UNTIL THE BALANCE IS PAID IN FULL. AS OF THIS DATE ( XX/XX/XXXX ) THE BALANCE REMAINING IS {$450.00}. 
I HAVE PROVIDED DOCUMENTATION TO EXPERIAN AS PROOF OF THE AMOUNT AGREED UPON IN THE STIPULATION SO THAT MY CREDIT REPORT COULD BE UPDATED TO REFLECT THE NEW STATUS OF THIS ACCOUNT. 
SINCE EXPERIAN 'S REINVESTIGATION HAS BEEN COMPLETED, THE INCORRECT AMOUNT AND STATUS OF THIS ACCOUNT HAS CHANGED AND HAS NEGATIVELY AFFECTED MY CREDIT PROFILE/ REPORT.
Consumer complaint received 2019-10-01
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. (FL)

THE DISPUTED ACCOUNT DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE INVESTIGATE THIS MATTER AND HAVE MY CREDIT REPORTING ITS ACCURACY. THIS ACCOUNT HAS BEEN OPEN FRAUDUTLENTY AND I WOULD LIKE TO HAVE IT OFF MY CREDIT FILE.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (WA)

Wells fargo was suppose to conduct a trustee sale at auction but discontinued the auction 7 days after the auction date. they may have set s sale and discontinued twice but then instead of trying a third time Wells fargo sold my contract to XXXX XXXX who took more then a yr and all their additional attorney fees and fines and court costs filing fees ect before finally successfully selling the home conveniently making the home a REO falsifying a claim to a bonafide 3 party purchaser who mortgaged the auction money and is already in default. Now I'm about to get evicted on Monday. I am having no success contacting and speaking w any attorneys so I'm having to represent myself
Consumer complaint received 2024-03-12
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: KEYCORP (NY)

My New York State Department of Labor ( UI ) debit card card issued by Key Bank was somehow duplicated and used at ATM 's and at least one bank in XXXX of XXXX. 

I tried to use my unemployment debit card towards the end of XXXX of XXXX and could not access my benefit funds, I called Key Bank and they asked me if I tried to access money in XXXX, NY and the had a list of addresses such as XXXX XXXX XXXX in XXXX ( a XXXX location ), that someone was using a duplicate card to access my funds. I say duplicate, because I have never lost the card. The card was always in my possession ( I still have it! ) and I haven't been in XXXX in years. So, I never accessed an ATM or made any purchases in XXXX with the card. 

I was blocked from using my card and have since been issued a new debit card and given my money out of that account. 

The issue is that KeyBank and their fraud unit have told me they can't give me the transaction history for the XXXX usage of my account because their records only go back to XXXX. 

I need the transactions for XXXX so that I can go to law enforcement for the attempts to defraud myself and any financial institutions affected by this. 

Someone has access to the transaction history at KeyBank and I need those records for my pursuit of justice in this manor.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX XXXX  I called capitol one and told them had a serious medical condition that was life threatening and would have trouble paying my bills. They told me pretty they couldn't help me. On febuary XXXX. I maid a payment to cover the over credit limit. I also scheduled auto magic payments going forward. On XX/XX/XXXX I received a letter from capital one saying my account has been closed due inconsistencies with their policies. I called the same day and requested my account to be re-opened. They told me it was closed because of declined payments. I told them I tried telling them about the situation back in XXXX. They still didn't seem to care. However, they told me to call back in a week once my payment cleared. I did and I was told my account was closed due to fraud. First of all which is it? This is a violation mof my several rights. I informed them ahead of time about making payments and they totally disregard the fact.
Consumer complaint received 2022-10-06
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. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiries have violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

The previous servicer XXXX XXXX have transferred/sold my old account to Selected Portfolio Servicing ( SPS ) without resolving my old XXXX account. The present servicer Select Portfolio Services is unaware of my tender of payment offered to XXXX prior to this transfer. My tender of payment to which XXXX service should have closed my account out therefore relieving me from any further dealings with any future servicing agency or bank ( s ) .This did not happen. 
Also, ,it has come to my attention due to the hardship of homeowners during Covid-19, XXXX XXXX XXXX CEO XXXX XXXX is putting a freeze on all foreclosures until the end of this year 2021. This is in support of the Consumer Financial Protection Bureau proposal rule that will prevent lender from starting foreclosures ( see attached ). 

in addition SPS provided me with the 1 ) owner/investor name and address 2 ) the trustee name and address.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NC)

today i logged into my credit file to see NATIONAL CREDIT ADJUST is reporting a debt of {$1600.00} to credit reporting bureaus, i have never done business, signed any contract or documents with NATIONAL CREDIT ADJUST or anyone they are collecting for, I do not wish to contract or do business with NATIONAL CREDIT ADJUST.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

OCWEN missaplied XXXX mortgage payments to XXXX payment due date, and they are reporting that we are 2 months in arrears. OCWEN purchased our loan 25 months ago, and we have XXXX cleared checks to them and a record of timely payments. They made entry errors on our loan, but are accusing us of being in behind -- and reporting that to the credit agencies.
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

When I signed up for the Capital One secured card 2 years ago, I was promised a returned deposit as well as being upgraded to an unsecured card after the first year. After the first year I contacted the company to ask about both and was told that I could not be upgraded and was given no reason why only that they do monthly reviews. I was also declined my deposit, now that this is my second year with the company and my credit score is very good, I am being told now that the no loner offer the promotion and that they are trying to fix some issue with it and I have still not received my deposit back.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was a victim of identity theft and someone gained access to my old capital one 360 online account ( XXXX ). Along with that, another bank I had was compromised as well which was XXXX XXXX XXXX XXXX which is now renamed XXXX XXXX XXXX XXXX. I need to know all remote check deposits between capital one 360 ( account : XXXX ) and XXXX XXXX XXXX XXXX which is now renamed XXXX XXXX XXXX XXXX from starting date XX/XX/XXXX to XX/XX/XXXX due to identity theft/fraud. These checked couldve been capital one checks from account XXXX being deposited through remote check deposit into the credit union or it couldve been a check from the credit union being deposited into my closed account XXXX from the credit union. This is an urgent matter and this is a new request/problem that was not addressed by capital one. Please do not closed this out.
Consumer complaint received 2022-01-20
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-07-23
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. (NV)

I have been a victim of identity theft. I recently reviewed my credit report to find request for credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

We recently received a certified letter from our mortgage holder Ocwen Loan Servicing stating that my mortgage is in default due to a missed payment. Moreover, due to this phantom missed payment, they have been charging me for the certified letters and also adding in fees marked " other '' on a monthly basis ; I do n't not have any idea why or what these fees are. I have every statement available starting from XXXX 2013 ( this is as far back as Ocwen 's payment system goes ) and have not missed one payment. In fact, I am generally a couple of weeks early with my payment and always send extra. We sent a letter with all of our statements to Ocwen stating that we have not missed a payment and to please correct their error. They continued with their stance that we are a payment behind but can not show us proof of a missed payment. I called and spoke to them over the phone to find out when exactly did I miss a payment and their response was " I do n't know, you tell me ''. Based on what I can see, somehow they made a mistake and are posting my payments that are a couple of weeks early to the previous month and saying it is a couple of weeks late. Complicating the matter is that they do not provide any statements or payment books. I 've wasted countless hours on the phone with them and they have repeatedly told me to disregard the certified letter, yet my account is being listed in default. I 've read numerous complaints online about this mortgage company and truly feel like they are trying to take advantage of me and lots of other people for that matter. It 's " XXXX vs. XXXX '' and without help, I am going to be forced to make an extra payment that does not exist because I ca n't fight a mortgage giant on my own.