davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

I am appalled of the fraudulent practices of Convergent Outsourcing , Inc . They are deceptively attempting to bill me for a bill that was paid. Even with evidence of such, they have overlooked and disregarded the facts and still attempting to collect. 

1. As evidenced in attachment A, Convergent is attempting to collect a debt for XXXX XXXX. I have no account balances with XXXX XXXX. 
2. As evidenced in attachment B, I switched to another provider from XXXX XXXX. After I terminated their services, was told that any additional fees would be waived due to my poor experiences with them, and all equipment was returned, I receive this XXXX XXXX. Even though I disagreed with the subsequent billing, I felt it was nominal in comparison to just getting rid of XXXX XXXX. This amount was paid to XXXX and I have proof/confirmation that the bill was paid. 
3. As evidenced in attachment C., even XXXX has documented my account is paid in full and have record of the XXXX being paid. 

Convergent, even after my filing an appeal and receiving evidence that the bill/account was paid in full directly to XXXX XXXX , continues to contact me and denied my claim stating the debt is valid ( attachment D ). Their bullying tactics and attempts to gouge me, and damage my stellar credit, is disturbing. If I was less intelligent and unaware of my rights, I would just pay the money twice. This is Convergents hope - that I will just pay the money TWICE and I have no doubts, if they are investigated, I am not the only one theyve attempted to bully into paying double.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Hello, I am a Senior citizen in XXXX County Maryland. 

My problem is not that I cant make my mortgage payment but that Wells Fargo will not allow me to make it! 
I was on their Covid relief sense XX/XX/2020, now I want to return to Making my normal mortgage payments they wont let me. They will only accept the entire amount for all the missed Covid relief months before I can pay the current month. 

I have been trying to make a current payment sense XXXX and only get a run around. They demand documents, I send Them the documents and then they just ask for more documents. It is never ending. They treat me as I were applying for A new loan, I am not, I already have a loan. I have been corresponding with Wells Fargo for 3 months now and am getting nowhere. 

Sincerely, XXXX XXXX Sent from Mail for XXXX XXXX
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I disputed these accounts with the credit bureaus. It has been over 60 days and the fraudulent accounts are still reporting on my credit reports. I thought the credit bureaus had 30 days to complete an investigation 611 ( a ) and if they don't that is automatic grounds for deletion. Clearly it has been over 30 days. I am stressed out about this and being a victim of the XXXX data breach just makes the situation worse because my information could have gotten in the hands of scammers. These accounts should be deleted from my credit reports.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX Date XX/XX/2020
Consumer complaint received 2018-08-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have already put in a complaint about this. Im not hearing back from the back. I set this money for certain reason. Now I have to wait for your bank to figure out a problem. I need this money. Im still being threatened and harassed by XXXX XXXX and XXXX his mother who is employed at Bank Of America. I have a right to my records. XXXX XXXX has told me already him and his parents do this with the help of others. My CD did not just disappear. It was just at new maturity date. Then it disappeared. Im going to speak to an attorney. If I dont get this money back. Please get in touch with me. This family has also been stealing my mail.
Consumer complaint received 2019-10-18
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: Experian Information Solutions Inc. (GA)

I have been having issues with Kentucky XXXX XXXX and my credit report. Recently ( this year ) they updated my credit report with late payments from back in XXXX XXXX and I WAS STILL IN SCHOOL! These late payments are impossible when I have been in school since XXXX and I recently graduated ( this year ) I was not supposed to be making loan payments and the representative made it seem like they would handle payments deferred while I was in school. Now I have derogatory accounts showing up and it is only from school loans when I WAS IN SCHOOL! I want these accounts updated because they are affecting my credit score
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

Bank deemed the transaction as suspicious and locked my account on XX/XX/22, around XXXX pm. The phone number provided only was manned the next day morning and I am trying to help my relatives XXXX  XXXX. When I called the next day and verified my information, they still failed to unlock the account, even though I verified the transaction as legitimate. My call is not prioritized and I have to wait very long times on the phone. Then my phone call got dropped. This is a nightmare. I should be able to have access to my money.
Consumer complaint received 2018-08-11
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. (IL)

The original creditor/furnisher which is XXXX XXXX XXXX credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.
Consumer complaint received 2018-08-11
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)

Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this company has violated HIPPA Laws which I will Be suing. )
Consumer complaint received 2018-08-11
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. (FL)

Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this  company has violated HIPPA Laws which I will Be suing. )
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I got secured credit card from capital one last year. I used it, sent {$80.00} to them, they ended up never getting it because the address to send the payment to was the wrong address, so I canceled the payment. And told them to keep the deposit for the secured credit card. They said fine and sent a letter saying the account was closed. But I keep getting letters from a collection agency asking for another {$260.00} dollars. When the account was paid and I dont get where they get that amount either. 

And they are also making my credit score lower as well as lying about not paying the card.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT BUREAU OF FARMINGTON, INC (TX)

CBF Services ; The Debt Collection Agency ; XXXX XXXX XXXX ; XXXX, XXXX sent me a collection letter on XX/XX/2019 ( the Letter ). I disputed the alleged debt mentioned in the Letter in full in a letter dated XX/XX/2019 sent via certified mail return receipt request # XXXX XXXX XXXX XXXX XXXX, which signed for by a XXXX XXXX on XX/XX/2019, which is within 30 days of the date of the Letter. 

CBF Services provided nether a proper nor timely written verification of the alleged debt that it is attempting to collect in accordance with the Fair Debt Collection Practices Act. CBF Services is, therefore, barred from any collection activity. 
C BF services has wrongly engaged in collection activity by placing derogatory information on my credit report ( s ) for XXXX, XXXX, and/or XXXX. I hereby respectfully request the CFPBs assistance in removing any and all of said derogatory information.
Consumer complaint received 2022-03-09
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. (IN)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2018-08-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AZ)

In 2016 I took a loan for {$900.00} in XXXX from XXXX  I paid them almost {$3000.00} to drop the loan {$300.00} as it got difficult to juggle XXXX and my rent and other utilities I refinance and eventually got another loan in XXXX. But I realize that I will never be able to pay this off the interest rates are too high it took me a year to take it down {$300.00} and I had to refinance so they won't take my car. I fallen into their trap no matter how much I pay them I will never pay off the loan they are like loan sharks it's gotten to the point where I am about ready to just give them my car. What they do can't be legal I understand I have to pay back the money but when I pay {$3000.00} for a {$900.00} loan something's wrong
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

Equifax wrote that my credit file had been accessed inappropriately and that I could signup for free credit monitoring protection. I signed up. 
I never received the protection or further correspondence.
Consumer complaint received 2018-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Debt Holdings, LLC (MI)

On XX/XX/XXXX my friend called me upset because a lawyer called her saying they were sending deputies to her place of business to serve me with papers for a lawsuit. She informed them that I did not work there and was not there but the woman continued to be mean and told her to give me a message which was her phone number and a case number. 

I called the number to XXXX XXXX XXXX XXXX and was told by XXXX that it was regarding a credit card from XXXX. The woman claimed the card had a {$500.00} limit and I owed the bank {$700.00}. She went on to say I was being sued for over {$4000.00} ( she said the extra {$3000.00} was for court fees ) and a wage garnishment would be starting. I told her I had no idea what this debt was and asked why hadn't I been contacted before. I also asked why they called my friend 's store looking for me. I have lived at the same address for seven years and have received no mail whatsoever regarding this matter. I've had the same cell phone number for 15 years. The woman claimed the business was listed as my employer at the XXXX County Clerk 's office. After hanging up I contacted the clerks office and was told they don't have that type of information. 

After going back and forth about me having no idea what this debt is about, I was told to ask for a chain of title from the bank that issued the card. I called Matrix the bank and was told they didn't have any information before XX/XX/XXXX and was told to contact United Debt Holdings where I was told to contact XXXX XXXX XXXX where no one answers the phone. I have left several messages. The recording says someone will contact you within 24 to 48 hours but its almost two weeks since my first call. 

I just want proof of this debt and I want this lawyer 's office to stop calling my friend. I also find it odd that this debt isn't on my credit report and just surfaced out of nowhere. XXXX has very bad ratings online and I can see why.
Consumer complaint received 2018-08-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

This is directed at XXXX XXXX, Senior Resolution Specialist for Nelnet Student Loan Servicer. This complaint is in reference to the Fair Credit Reporting Act on what was reported to XXXX which was actually reported but the reported amount was {$47.00} not the {$50.00} I paid on XX/XX/18. Please go to my history that shows how much was paid. Now as to XXXX  and XXXX after all my phone calls because you wouldn't believe that your company didn't report my payment to these credit bureaus. As of XX/XX/18 XXXX and XXXX  were finally able to verify to me that Nelnet finally fixed my issue. But now there's another problem. On all three of my credit bureau reports, one of your employees reported I paid {$47.00} not the {$50.00}. Where's my {$3.00} and why would an employee report {$47.00} and not the {$50.00} I paid? Did Nelnet think I would't find out? Now I have to wonder about the accuracy of your  Website on the Principal and Interest. Now I have to contact the Department of Education for a third time because of the incompetence of your company. On my account, it is still showing that payments are being processed that went through my checking account days ago. The two separate payments that I made on the morning of XX/XX/18 are not showing up under the payment history. These payments were made way before your cut off time.I want this taken care of immediately {$50.00} reported to all three credit bureaus. I can't wait till Nelnet reports my payments in XX/XX/2018, it ought to be interesting. You as a loan servicer, especially for the Department of Education, should have people competent enough to input the right amount somebody has paid on their student loan for the month. Your screwing with my credit reports and I won't put up with it. Because of Nelnet 's constant mistakes and a Senior Resolution Specialist won't believe what your telling him and won't even check into the issue, I have had to put the credit bureaus into my contacts on my phone and the Department of Education because of Nelnet. You as a Senior Resolution Specialist did not do your job. I don't care if you are upset with me or don't like what I've said about Nelnet because it's true. It's not my problem, it's yours! On Monday XX/XX/18, I will be checking with all the credit bureaus to make sure the amount has changed. The scary thing is that this probably happens everyday to people who pay their loans. I'm sure we'll have further written communication in the future.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

I have no knowledge of any debt with XXXX XXXX XXXX. I was a customer in the past and talked to customer service after switching to XXXX on SEVERAL OCCASIONS and was informed that I had a {$0.00} balance. Six months later I received a bill for over {$400.00}. This is the ONLY collections item on my credit report and it is negatively effecting my score. I have requested that it be removed and it has been removed from two bureaus, but still shows up on XXXX. I have been called multiple times and threatened to be sued for a debt that is not mine.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (TN)

Regional Finance Corp. after charging off an account it alleges belongs to me has continued for the past 3 years to Increase and report the total Balance @ {$2500.00}, by {$69.00} each month from XX/XX/XXXX to present. *They report no Actual Payment Amount, nor Scheduled Payment Amount listed on credit report ; My credit scores have been somewhat consistent for the past few months actually going up, even with charge off, however on XX/XX/XXXX there was a major drop of 32 points due to RMC Balance Increase on my credit report. RMC has financially strapped me via Charge Off, financially gain by write-off debt to IRS and again financially gained with loss via government Pandemic Reliefs. Not only is RMC reporting Account Balance information incorrect ( loan balance, payment amount ), but also Account status incorrect ( showing charged off account, but reporting late payments.
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CT)

I applied for a rental advertisement, signed a lease agreement, and wire transferred the first month and security deposit to the scammer 's account. A few days later the scammer requested I send additional funds before sending the keys to the rental. I filed a police report and called my bank, Navy Federal Credit Union, but they claim because it was an ACH transfer there is nothing that can be done about it. I called the scammer 's bank, XXXX, who also claims nothing can be done.
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt.AARGON agency has been reporting a fraudulent debt to Transunion which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. XXXX XXXX XXXX has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title XXXX5 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE 2 FRAUDULENT accounts on my consumer report from XXXX XXXX XXXX XXXX in the amount of XXXX $ and one in the amount of {$110.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.
Consumer complaint received 2022-03-09
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (NC)

I submitted my XXXX application and they clearly did not evaluate any past payments made pre-consolidation. The temporary waiver states that regardless of payment plan, if you were working for a qualified employer that the payments would count if they were made on time and for the full amount. Mine are qualifying payments and they only counted the payments after my consolidation application was processed. I am missing XXXX payments in my payment count, which would qualify me for forgiveness.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

When downloading my first report ( XXXX ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to XXXX in order to save, not print, my reports. Great! free sign up BUT only for XXXX, not Equifax or XXXX. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......
Consumer complaint received 2018-08-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Lender : XXXX XXXX XXXX, XXXX. 
Loan Type : Single family housing loan Loan Acknowledgement date : XX/XX/XXXX Loan ID # XXXX Amount : {$580000.00} Credit Rating Agencies : XXXX, XXXX  Ratings posted by Agencies : All above 800 Result : Disapproved Reasons for Disapproval : a ) current credit situation unsatisfactory and b ) unable to verify ownership or occupancy. 
Ownership to Property : XX/XX/XXXX through to date