davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (SC)

On XX/XX/XXXX Convergent Outsourcing flagged my credit files with inaccurate/unverified collection information on XX/XX/XXXX. Their account was recently updated on XX/XX/XXXX reporting XXXX different open dates of XX/XX/XXXX and XX/XX/XXXX. Demanding unverified amounts of {$640.00}, {$980.00}, and {$980.00}. Please be advised that Convergent Outsourcing are not Holders in Due Course ; no services or goods were received from Convergent Outsourcing and I have not agreed to pay/tender anything to Convergent Outsourcing on behalf of their alleged client for any reason. 
Convergent Outsourcing presented me with an offer on XX/XX/XXXX requesting a reduced amount opportunity of 65 %. I replied via XXXX certified mail with a notarized validation notice. Convergent Outsourcing has not responded and has continued to report their unverified collection account to my credit files. 
Convergent Outsourcing have not provided valid documents or itemized statements VIA MAIL proving I owe a debt to them with contractual proof. I have not provided signed wet-ink releases of my private information to Convergent Outsourcing. 
Convergent Outsourcing does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Convergent Outsourcings reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I made a charge on my Citibank XXXX Mastercard on XX/XX/XXXX in the amount of {$370.00} to the XXXX XXXX XXXX, XXXX. I filed a dispute with Citibank and was notified on XXXX posted on XX/XX/XXXX and it was labeled as " Reverse by XXXX ''. It was not labeled as a conditional credit in the amount of {$370.00} and also on XX/XX/XXXX, I received a credit for the {$29.00} for an additional charge by XXXX. Neither of these credits was labeled conditional by Citibank. I did receive an email from Citibank on XX/XX/XXXX, indicating that I must sign a letter and fax it back to Citibank by XX/XX/XXXX indicating that still wanted to continue my dispute. I did sign and faxed the letter back to fax number XXXX from my company fax XXXX with my statement. I find this requirement to fax back HIGHLY unusual since the company XXXX filed bankruptcy in this time period and never had the dispute been reversed by Citibank on my statements. Why am I supposed to accept the settlement of {$87.00} posted this XXXX statement as of XX/XX/XXXX.
Consumer complaint received 2018-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc. (PA)

I XXXX XXXX, have been working with a housing counseling agency ( XXXX XXXX XXXX ) to resolve my mortgage arrears that occurred back in XXXX of this year. I submitted a modification packet through my housing counselor, and was offered a trial modification on XX/XX/XXXX. The three payment of XXXX were for the due dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My first two payments were sent and accepted, however the third payment ( sent prior to the first of XXXX ) was denied due to lender claiming that it was not received by the last day of the month. 
I am disappointed in the decision made by the bank and now have been faced with a XX/XX/XXXX sheriff sale of my property .I have made an attempt to resolve this matter to no avail. The lender Midwest Loan Servicing has now required that I submit new documentation, while not completely committing to the postponement of the foreclosure sale of my home.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

So I have an Account with Penfed credit union. It was opened two years ago. I allowed my sons Unemployment to be deposited into my account. Then the instuition placed holds on my account. After two years nothing has came back to the account placing it negative. And im still unable to retrieve the funds.

I just want the funds thats in the account and let the account be closed. 
Penfedaccount # XXXX XXXX XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit Collection Services, Inc. (NJ)

On XX/XX/XXXX, I underwent an XXXX XXXX performed by XXXX XXXX XXXX of XXXX, New Jersey. At the time, I was an employee of the XXXX XXXX XXXX XXXX XXXX XXXX  and had excellent employee-sponsored health insurance coverage through XXXX. I never received a bill from XXXX XXXX ( beyond what I might have paid as a deductible or co-payment on the day of the procedure I dont recall ), and I assumed they had billed XXXX and was paid by them. ( All these years later, I no longer have in my possession records from XXXX. ) Moreover, that was a non-emergency medical procedure that I never would have undergone had XXXX XXXX indicated that it would not accept my health care coverage I have maintained for decades a pristine credit history. I have a long history of paying all my bills and paying them on time. Nonetheless, earlier this year, almost six years after the XXXX XXXX, I received a dunning notice from Summit Collection Services LLC of XXXX XXXX XXXX, New Jersey, demanding that I pay {$3200.00} for that XXXX XXXX XXXX. In support of its demand, Summit Collection Services sent me a Provider Remittance Advice from XXXX showing that the insurance company declined to pay any of the {$3200.00}. What is significant, and what Summit Collection Services conveniently failed to point out, is that while the XXXX  occurred in XX/XX/XXXX, XXXX XXXX did not bill XXXX XXXX until the end of XX/XX/XXXX, almost four and a half years later. ( see first attachment ) In other words, XXXX XXXX was grossly negligent in the way in which it handled the matter. 

I am a retired senior citizen for whom {$3200.00} is a lot of money. After I objected to paying that amount, Summit Collection Services went ahead and reported this alleged debt to the credit agencies, causing a major derogatory activity notice to appear on my credit file ( see the second attachment ), harming my credit rating greatly, and likely causing me economic harm when I go to buy a car or otherwise look for credit. I believe Summit Collection Services did this in order to pressure me into paying this alleged debt. 

I believe the actions of Summit Collection Services have been unfair and deceitful in violation of the Fair Debt Collection Practices Act and, as well, are in violation of the No Surprises Act, which protects people from receiving surprise medical bills.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (FL)

In accordance with the fair credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is violating my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

My Capital One credit card account was used in California and Florida while I was in Oklahoma where I live. I contacted Capital One but they refuswed to help me. I have contacted the FBI and the Secret Service both to assist me with this fraudulent charge that is affecting my credit.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (FL)

I gave XXXX XXXX my dental insurance information. My insurance covered XXXX and advised that with all my discounts it would be XXXX so I made a pymt iao XXXX dollars and now they are billing my for XXXX and i submitted everything to my insurance and also im no longer with the job so i don't have all the info anymore But this was supposed to be taken care of and zeroed out as of last year
Consumer complaint received 2022-04-12
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (AL)

Equifax is reporting the following student loan accounts on my credit report as both open and closed accounts. Account Name : XXXX XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account numbers are the same. How can the same accounts be open and closed? This is an obvious inacuracy. Law states that everything reported has to be XXXX XXXX accurate.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (DE)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2015-12-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX/XXXX/2015 I put in for a loan modification with Bank of America back in XXXX 2015. I was six months behind on my mortgage. BOA came back said I was n't eligible for modification but they would put the loans payments that I was behind in the rear and extend my loan. Bank of America put me on a XXXX three-month trial mortgage payment of {$950.00} that I completed on time. I received the permanent modification paperwork and fax it back XXXX XXXX 2015 conveniently enough for them they did n't receive it so I refaxed it XXXX XXXX 2015 my case manager said do n't worry about it that would be fine. I received a letter on XXXX XXXX stating they did not receive my signed agreement and that I was denied for the modification and now I needed to start an appeal. Even though my case manager told me she had the signed copy in my file. I been getting the runaround they ca n't seem to find my paperwork I faxed at least XXXX times. I asked my case manager when would my second mortgage be looked at for a modification she told me she 'd start that day and asked me to fax a copy of my paycheck which I did XXXX times because they said they did n't get it. I soon received a letter saying I was denied for my second mortgage modification because I did n't make enough money, my salary is over {$50000.00} a year. I told my case manager that did n't make sense I thought this program was to help people that could n't make their payments. Now my case manager will not return my phone calls every number I call to BOA it sends me back to my case manager she 's never there, she does n't return my phone calls. I tried calling her supervisor he does n't call me back I 'm at my wits end I do n't know what to do. I called the housing assistance Corp they are the ones that helped me with modification in the beginning and she told me to put in a complaint with you, all I 'm looking for the little help to save my home. I see the balance on my mortgage getting bigger and bigger with the fees and the late charges please help. 
Thank you, XXXX XXXX/XXXX/15 Before completing this letter I received a letter today from BOA stating that my appeal has been denied. They stated that I was denied because they were unable to review my loan modification appeal because it did not satisfy the requirements for the appeal set forth the evaluation letter for example it may have been received after the deadline for an appeal or it may not have contained each of the required documents for the appeal. This makes absolutely no sense to me.
Consumer complaint received 2023-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (RI)

I have received written correspondence regarding an alleged bill from XXXX XXXX XXXX via the debt collector Transworld Systems Inc. I have reached out to all of my medical providers regarding outstanding debt and have none on my record. I have not had any affect to my credit score as of yet, however I am concerned how this may potentially affect my credit, as my bill went from {$80.00} to {$300.00} in XXXX weeks. I have received XXXX letters in the mail with exorbitant interest rates on a bill that can not be traced back to any actual physician 's office. The bill in the mail looks legitimate, however when I tried to look up both companies online, I couldn't find any websites to support the legitimacy of these companies. The bills give me a space at the bottom to give credit card information and says if I just pay my bill, they will stop sending me letters in the mail.
Consumer complaint received 2022-04-12
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. (NC)

In accordance with the Fair Credit Reporting act XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXXF XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 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 2022-04-12
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, EVERYTHING must be 100 % accurate on my credit report. The information that is reporting is inaccurate from the open dates, last active date to last reported date. This is grounds for removal & these following companies have violated my rights : XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX WI # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX DEPT OF EDXXXX  XXXX XXXX DEPT OF ED/XXXX # XXXX DEPT OF ED/XXXX  # XXXX DEPT OF ED/XXXX # XXXX XXXX XXXX # XXXX US DEPT OF EDXXXX  # XXXX US DEPT OF ED/XXXX # XXXX 15 U.S.C. 1681 Section 602A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It states a Consumer Reporting Agency can not furnish an account without my written permission.
Consumer complaint received 2022-04-12
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. (TX)

In accordance with the Fair Credit Reporting Act, EVERYTHING must be 100 % accurate on my credit report. The information that is reporting is inaccurate from the open dates, last active date to last reported date. This is grounds for removal & these following companies have violated my rights : XXXX XXXXXXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX WI # XXXX XXXX BANK # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX # XXXX DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/XXXX # XXXX XXXX XXXX # XXXX* US DEPT OF ED/XXXX # XXXX** US DEPT OF ED/XXXXXXXX XXXX XXXX 15 U.S.C. 1681 Section 602A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It states a Consumer Reporting Agency can not furnish an account without my written permission.
Consumer complaint received 2023-06-30
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: Marlette Funding, LLC (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Account reported opend on XX/XX/XXXX. Reported on XX/XX/XXXX from BANK OF AMERICA in the amount of {$27.00}. This balance was not discussed or have never been notified of the debt. This is incorrect reporting that is greatly affecting my XXXX XXXX on the XXXX credit bureau. I do not have any used balance from this bank and paid all that was used. This inaccurate reporting.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-04-12
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on ; 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 XXXX XXXX XXXX
Consumer complaint received 2022-04-12
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report, i was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. I noticed these fraudulent reportings on 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 XXXX XXXX XXXX XXXX