davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

A XXXX XXXX debt outsourced to convergent XXXX was opened on my credit report around XX/XX/XXXX. Despite many calls directly to XXXX, and them stating each time I owed {$0.00}, I have to fight with convergent who reps always sound annoyed to work. 

I submitted my refund check from XXXX ( why would they refund me if I owed them money? ) as well as my equipment return receipt ( from XX/XX/XXXX ), no response. I called and they said they didn't get the return receipt, it's clearly in the email. However, I resent. 

I disputed through XXXX XXXX, and it was returned as a valid debt but yet XXXX has no clue what convergent XXXX is talking about it. It's been on my credit report for 4 months now and I haven't gotten very far. This greatly affects my ability to qualify for new credit. You would think they could simply call XXXX and resolve this. 

I should be getting paid to do all their paperwork for them at this point. Extremely upset and frustrated.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I bought the house XX/XX/2020 and paid XXXX XXXX XXXX auto payments from my bank and then it sold to SPS Servicing. XX/XX/2020 was paid to XXXX and it was supposed to be paid to SPS but we didnt know yet. Anyway XXXX says they never got my money and never sent it to SPS and it was paid I have proof from the bank. I have spent hours upon hours trying to get this resolved and still its not. XXXX sent a letter they would fix my credit and credit the payment but never did. My credit is severely affected and I never missed one payment. I need help getting this fixed.
Consumer complaint received 2020-02-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

Portfolio Recovery Associates have failed to provide the following after continuously sending me letters claiming they would no longer respond to my requests and the matter was closed in their opinion. 
This matter is NOT closed! 
They have failed to provide me with any original documentation and a co tract with my signature on it!

They failed to provide ANY of the following : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law 7. A copy of a contract with my signature on it with your company.

8. A copy of your license to collect in the state of Maine.

9. The name of the registered agent for your company.

10. A certified copy of a judgement made against me by your company in a court of law.

11. A copy of how you purchased this unverified debt and for what price. 

PRC havS 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 you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX XXXX Partial Acct # : 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (NY)

I have never applied nor perform services or business with XXXX XXXX yet there are multiple inquiries all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquires dated XXXX XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My Mortgage was transferred from XXXX XXXXXX/XX/XXXX to Nation Strar Mortgage LLC DBA Mr. Cooper on XX/XX/2021. 

Since the transfer date was XX/XX/2021, XXXX payment was made to XXXX XXXX XX/XX/XXXX, but Mr. Cooper is claiming they should have received XXXX payment thus my account would be delinquent if I do not pay. 

To avoid any negative reflection on my account or credit, I have gone ahead with another payment with Mr. Cooper, and I have tried to resolve this issue with both banks for the past several months. 

However, On XX/XX/XXXX of 2021 loan was transferred back to XXXX XXXXXX/XX/XXXX and Mr. cooper has stopped responding to my request. 

XXXXXX/XX/XXXX transferred loan amount : {$320000.00} Mr. Cooper claimed transferred loan amount : {$320000.00} Mr. Cooper has over charged {$2000.00}
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

This company reported a collection on my credit report without any prior communication to me. I have never received any validation letters from this company. The alleged debt is XXXX from XXXX XXXXXXXX XXXX I moved out of this complex XX/XX/2021. I was allowed to leave the apartment before my lease was up due to XXXX  and XXXX  issues. I left my forwarding address with the complex and I also did a XXXX change of address on XX/XX/2021 so there is no reason why I should not have received any communication about this alleged debt. I would like to receive copies of the debt validation letters sent to me before this debt was added to my credit report. I have attached copies of email communication between from XXXX XXXXXXXX XXXX.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I sold my car because I needed the money immediately. I had my wife deposit the check from XXXX XXXX into her account at Capital One because she could send me a check from her Capital One Account that I could then deposit to my Capital One account and have needed funds the next day. ( See https : //www.capitalone.com/support-center/bank/deposit-availability ) I called customer service and they are not going to give me the funds for another 5 days. Now I am screwed.
Consumer complaint received 2021-11-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( XXXX  ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( XXXX ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given
Consumer complaint received 2018-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Whitestone Financial Holdings LLC (VA)

Negative, This Company and the dealerships are in business to ruin hard working ppl lives. I brought a vehicle for {$16000.00} and I put {$10.00}, XXXX down. Nothing was wrong with my credit. I wanted to pay the whole amount but was convenience by the dealer to go with Whitestone Financial to help with my credit. Which nothing was wrong with my credit. Instead I'm paying close to {$14000.00} in loans for a {$7000.00} balance. How can the government allow these loans to do this to someone, when clearly I did not know my interest goes up daily no I did not read that, at least I did not get the understanding of it. These loans should be in simple form for all reader regardless if they believe we understand what they are reading. Still should not give them the right to make double the money on loans. I was not aware until my sister read the interest rates on one of the pink forms I believe. Dealer also added on extra insurance because he stated Whitestone would not Finance me without it the gap insurance and a gps installed in my vehicle. All lies to make money. I would never recommend Whitestone to anyone. So I'm paying {$24000.00} for a vehicle that wasn't even worth {$10000.00} at the time of purchase.
Consumer complaint received 2021-11-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX XXXX has me at a score around XXXX  That is a huge difference. XXXX paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer XXXX XXXX  ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and XXXX XXXX XXXX  the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I am the POA for my mother. She has XXXX. My father died and her income dropped drastically. She fell behind on payments with Bank of America, as we are trying to get the house ready to sell. In addition, there are some inaccuracies in our records versus the bank. I have tried working with the bank as POA. I have called multiple times, written four letters and visited a branch but they wont talk to me as they dont have the POA documentation on file. I have submitted it 5 times.

In Missouri, foreclosure is non-judicial, so I dont even have the court system to help me. Finally, yesterday they acknowledged that I exist and assigned a dedicated customer to me and said they will TRY to postpone the foreclosure. There is {$120000.00} of equity in the house. That money is needed to take care of my mother. 

I need some immediate assistance to stop the foreclosure. Although, I can personally bring the account up to date I would prefer a little time to use my mothers tax return. I already have {$15000.00} invested in her house.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

On XX/XX/2020 I sent a complaint against IQ DATA INTERNATIONAL regarding an attempt to collect a debt that does not belong to me. They were very kind to respond on time on XX/XX/2020, saying they supposedly verified the debt and that they will forward me the documentation. To this date, I have not received any supporting documentation regarding this debt. However, I have reviewed my credit file and I know for a fact that I have never done any business with " SURE DEPOSIT '' or have lived in a building name " SURE DEPOSIT '', which is what they are alleging on their response. 
Please be advised that at this point this is is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you At this time I will also inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws.

If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (VA)

Hello I have this company Ability Recovery Service that keeps flagging my credit report for collection. On my XXXX  & XXXX  reports, I disputed the claim asking for a Debt Validation Request also mailed a Debt Validation Request to the company which is currently waiting to be picked up by the company since their mailing address is a P.O. Box. Heres the tracking number to the certified letter XXXX via USPS. I can also provide a copy of the Debt Validation Request letter sent to the company.
Consumer complaint received 2017-06-01
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. (FL)

I noticed multiple inquries on my credit report with all 3 bureaus ( XXXX, XXXX & Experian ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

I recently have used an online platform for peer to peer lending titled XXXX and a consumer completed a transaction with me and paid via XXXX using Chase Pay and subsequently reported it as fraud to their bank. Chase immediately froze my account over the {$41.00} transaction labeled fraudulent per consumer which has assets reaching to ~ {$2500.00} and though I have provided evidence of communication, completion of sale, and visited the branch and spoken with the bank nearly daily since the freeze, they continually say its an ongoing investigation that may take until XX/XX/XXXX. I was never informed of the freeze, which legally I am supposed, and was even permitted to deposit a check with a teller who did not inform me of the frozen account. I am a medical student whose entire disbursement is in my Chase account. Since the freeze on XX/XX/2020 I have not been able to eat, pay my rent, or pay my credit card bills all because of a {$41.00} dispute. Per Massachusetts Law Part I, Title XXII, Chapter 167B - Electronic Branches and Electronic Fund Transfers, I have complied to all of the banks requests to provide evidence that I not only completed a transaction with the person disputing it, but also that I am willing to refund their money if it comes to that because at this point its not worth {$41.00}. Mind you, I spoke with XXXX  XXXX, my former bank that I just transferred all of my money from to Chase and they also thought that what Chase was doing was not only unethical but possibly illegal because I am the victim of fraud. The person who committed the dispute is XXXX XXXX. I have attached the document I faxed to Chase Bank on XX/XX/2020 which includes confirmation of the sale and reiterates the Massachusetts law governing my rights to my account.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (TX)

I have requested Discover several times to close my Discover Card but I have been getting a run around. 
After several unsuccessful phone attempts, I chatted with several online representative on XX/XX/2020 and requested to close my account but they transferred me to Customer Service department who referred me to a phone number to call. I called the number provided to me, verified myself for security and requested to close the account but I was transferred to another department. The other department did something and then said I needed to speak to a different department and got transferred. That new department verified me for security and then said she needed to transfer me to another department. She transferred me to another department, they verified my security and said they were going to close the account BUT she transferred me to another department. 
The 5th transfer told me that she couldn't close the account and apologized.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

With opened ended credit Card with Capital one and XXXX XXXX, In accordance with FCRA this creditor has violated 15 USC 1681 section 6..Refer15 USC 1681 ( Section 6 0 4 and Sec 2 ) . Under 15 USCS 1666b, cant report late for any purpose if not written 21 days before due date. I'd like the late payments removed.
Consumer complaint received 2022-12-16
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. (GA)

I lost my wallet with my identification and social security card and someone opened accounts for school in my name getting student loans as well as trying to get auto loans now it is impacting my credit score tremendously I have tried disputing the charges with no resolution
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

My account was shown negative om XX/XX/XXXX and i have till XXXX XXXX to add funds, so i am not overcharged overdraft fees. As of XXXX XXXX i added funds on XX/XX/2020 but PNC bank still charged me overdraft fee despite my account showed as positive at XXXX prior day. PNC took a lot of overdraft fees from me in the past which i did not dispute, but after making a valid attempt to make sure my account was positive on the day, PNC still charged me overdraft fees next day. I also contacted the customer service - despite them having failed BUSINESS rules, they denied to fix this problem.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (NY)

I have never applied nor perform services or business with XXXX XXXX XXXX yet there is an inquiry on my credit report dated XX/XX/. I am asking for a signed copy of the application along with a copy of my drivers license and removal of the inquiry.