davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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: Convergent Resources, Inc. (TX)

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Greetings, As of today, starting roughly around XXXX, I began a series of several phone calls to " Fifth Third Bank '' ( FTB ). Previously I received a letter from them that my current mortgage had been transferred to FTB. I therefore, wished to open an account profile online in order to AUTOPAY our mortgage as we have always done. To this moment, XXXXXXXX XXXX, I am now on my 6th phone call to set up my account. Each phone call has approximately a half hour wait time. My wife called on her phone as well, whereas, both of us were calling to get some kind of support. During one of the conversations, an XXXX, Name : XXXX XXXX : was asked for her NMLS ID : of which she responded, WHY..and gave me quickly a " FAKE '' number ( XXXX ), after being stern and requesting it again, knowing that the numbers were incorrect, I asked again. She finally gave me the correct number. But refused to give it in a manner that was understandable. I was able to find her on the consumer website none the less, for your review. This response, in addition to all the endless call transfers that go nowhere are unacceptable for honest consumers who are doing and making a diligent effort to pay a bill. Each call only inched me closer by a small margin. By the time I gained access to my account via a more helpful and resourceful agent, the access granted had no timed out. I had to start all over again. I finally, and stern bound, was able to speak with a supervisor above his subordinate ( XXXX XXXX who stated that I could not be HELPED, and he was able to reset my web access. I entered the information as agreed, and finally was moved to yet another step. However, now, I was greeted with an error. And once again I have to start all over again. After 4 hours of wasted time. This is a short version of the whole story.

No consumer, should be guided through a 4 hour " frustration tactic '' which could cost them a negative impact on the consumers credit report, risk repossession, legal charges and so on. No consumer should be lied and given a phoney NMLS number when asked. No consumer should be rushed off the phone when asked for an NMLS number. This company has numerous complaints in addition to the XXXX XXXX XXXX complaints of similar nature. As of this moment I will filing complaints with all the federal and state agencies who will be involved. I will not risk my credit being damaged, nor any other consumer who may have their rights violated. 

Please feel free to call me ASAP regarding this issue of formal complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-17
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: FAIR COLLECTIONS & OUTSOURCING, INC. (DE)

I have two accounts reporting on my credit report that are from third party collection agencies that I never consented to have my personal information. As well I found that these agencies are not legally licensed to do business in the state of Delaware and they harassed me into paying them money. I have reached out to them several times after I was made aware of my rights but they refuse to delete my information from their systems. Under section 15 U.S.C. 1681c-2 I believe this is identify theft and I would like this information removed from my credit reports. 

I sent out letters stating my claim and requested for the removal of my information from their systems and to stop reporting my confidential as I did not give them consent with no response or action. Most recent I sent out letter via certified mail to with no response.
Consumer complaint received 2023-03-15
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MI)

Caine and Weiner has violated my Federally protected rights under the FDCPA. I never received a letter to dispute before furnishing this account. Cease communication from me from all mediums including my consumer report.
Consumer complaint received 2019-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CT)

Fed loan servicing is the company that is handling my student loans. Back in XX/XX/XXXX, I was told I would need to change the way the income based program that they were on, secondary to having parent loans that also needed to be on an alternative program. I was told that my new payment was miscalculated by Fed Loan, secondary to not including that I was married filing jointly, and that it would be adjusted. Due to this error on their part, I was also told that I would be put on an administrative foreberrance until this issue was resolved. A month later, I was told the bill was late. I was then told that Fed Loan doesnt refinance the payment, that I would have to go onto studenloans.gov to do this, and in the meantime, my loans would be on an administrative foreberrance, as again, I was given misinformation. I did go on student loans.gov per their request, and paid a XXXX fee that they also requested I pay. Another month, and there was another late payment. I called again, and this time got a manager. I was told that this happens, and he would fix it. A couple of weeks later, I received another late payment notice. I called again, and was told that the foreberrance was only for a 2 week period in XX/XX/XXXX, and I would have to use my own foreberrance allotment in order to wait for the new payment adjustment to happen. After speaking to several reps in a short period of time, I am dissatisfied with their customer service. Each rep told me something completely different, and the last one refused to honor the offer that Fed Loan had made themselves of the administrative foreberrance.
Consumer complaint received 2023-03-15
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. (GA)

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 DPT EDXXXX 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 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, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-10
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. (NV)

In 2016 my father suffered a XXXX XXXX XXXXnd was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts. All accounts are listed in the report.
Consumer complaint received 2022-10-17
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. (NY)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2020-11-10
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. (TX)

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 ( XXXX ) XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX {$340.00} XXXX  XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$540.00} U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX | Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX View / Edit Dispute this XXXX XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX  XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX  | Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute this FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was an XXXX with Bank of America from XX/XX/XXXX to XX/XX/XXXX. While I was XXXX I opened an XXXX bank account which included a free safe deposit box. Shortly after I left the firm I closed my accounts which included the safe deposit box. I never put anything in the box or used it. I didn't receive any follow up correspondence from the bank alerting me of any issues. Around XX/XX/XXXX, 8 years later I opened a business account jointly with 2 partners. Shortly thereafter and for the last 2 years I have been receiving invoices for payment of this safe deposit box. I have called at least 3 different numbers to try and resolve this. The representatives have been unable to assist in any way and keep passing me around. I wrote a letter directly to the branch a few months ago and have received no response. Just another invoice adding late fees. They have completely disregarded my fairly simple explanation and have provided no reason why I suddenly starting receiving invoices.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

portfolio recovery reported the same debt 3 different times in one year. XX/XX/18 for {$830.00}, XX/XX/18 for {$850.00}, sold it to another company who reported it on XX/XX/18 {$870.00}, sold it back to portfolio recovery XX/XX/18 for {$810.00}. I requested proof of debt. It is severely impacting my credit score. Additionally, I had a credit card in collections that I resolved with XXXX  XXXX, but portfolio reported it as collections on XX/XX/18 {$1200.00}. I asked for proof of that with no response. I want these removed from my credit report.
Consumer complaint received 2021-11-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The below credit bureaus have been reporting incorrect information about my credit worthiness to lenders. 

Transunion XXXX  XXXX On the following accounts XXXX XXXX XXXX XXXX XXXX These companies have been reporting negative payment history, which I have disputed several times due to information being inaccurate. And the credit bureaus have fail to investigate and remove them From my credit reports.
Consumer complaint received 2022-10-17
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: TRANSWORLD SYSTEMS INC (DE)

I have two accounts reporting on my credit report that are from third party collection agencies that I never consented to have my personal information. As well I found that these agencies are not legally licensed to do business in the state of Delaware and they harassed me into paying them money. I have reached out to them several times after I was made aware of my rights but they refuse to delete my information from their systems. Under section 15 U.S.C. 1681c-2 I believe this is identify theft and I would like this information removed from my credit reports. 

I sent out letters stating my claim and requested for the removal of my information from their systems and to stop reporting my confidential as I did not give them consent with no response or action. Most recent I sent out letter via certified mail to with no response.
Consumer complaint received 2022-10-17
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. (NC)

On XX/XX/2022 I contacted Experian by phone after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave Experian any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of Experian. Experian took the effort to update my current address after I asked them to remove all fraudulent information, but all other improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kirkland Asset Management LLC (NY)

They called me repeatedly on my cell phone, left a message saying a potential claim being filed against me regarding a transaction that I previously authorized and if I want any outcome to be known to call XXXX and ask to be connected to the Pre Legal Department and reference XXXX. They proceeded to call a family member and demand my location. They keep calling my house, my place of employment and I do not know who they are. I want to be left alone.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MA)

I have a mortgage with a mortgage company, this company has had so many complaints against them, yet nothing has been done to stop them preying on the consumer. In fact the more complaints made, the more help they seem to be getting from the Federal Government. In fact they got over XXXX XXXX dollars for covid relief they have helped no one. I recently applied for help from the haf program, I am within the guidelines as to what Haf will pay what the mortgage company did was inflate what I owe by {$11000.00}. therefore disqualifying me for the grant, no one has been able to justify this. HAF is telling me that they have to go by the amount the mortgage co.states, in other words if the mortgage company says you owe certain amount thats what they have to go by, my statements are clear as to what I owe, Haf is saying that they cant accept my mortgage statement. I feel so violated. Calls to the servicer validate that the amount on my statement is correct. I need help, I feel that I qualify for this grant and the mortgage company should not be able to do this and get away with this.