davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

Back in XXXX I was called by a collection agency about a XXXX account I had never opened. I informed them they are incorrect and I have never had a XXXX account before. They told me to pay {$3000.00} or get an affidavit saying that it was Identity Theft. I went to a XXXX store and told them what happened but the only help they offered was giving me a copy of the account statement opened in my name ( Account # XXXX ). I filed a police report on XX/XX/XXXX with XXXX County Police report # XXXX. I gave them the incident report number and they left me alone. One year after that another Debt collector tried to contact me. I gave them the police report number and they left me alone. Then in XXXX Convergent Outsourcing contacted me for the same debt. I told them the same thing, and shared with them the incident report. They didn't care and said that they were going to put it on my credit report as a derogatory account. Since XXXX of XXXX they have impacted my credit report even though I told them it was not my account and provided the police report. I tried disputing the report with XXXX  but they did not resolve it either.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

AFNI keeps calling me about a debt it claims that I owe. I do not owe AFNI any money for any debt to AFNI or any other debt collection agency. Just this past month, AFNI reported this nonexistent debt to my three credit reporting agencies, and my XXXX score tumbled by 35 points. I've disputed AFNI 's claim with all 3 credit reporting agencies, but I want to report it to CFPB to get them to stop.
Consumer complaint received 2022-10-14
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. (GA)

I have contacted Transunion numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )?

I will list below the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed LATE PAYMENT : XXXX - Update to 100 % paid on time COLLECTION/CHARGEOFF : XXXX  - Remove from consumer report INQUIRIES : Credit Plus - Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
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. (MA)

EXPERIAN IS HARASSING ME. I AM RECEIVING DAILY EMAILS AND WRITTEN CORRESPONDENCE. PLEASE STOP HARASSING ME. 

ALSO, their investigation into the same 2 accounts has not lead them to make any changes. Experian has proof that an account they are reporting was sold to a collection agency, yet they are still reporting it under the original creditor. XXXX. I HAVE SENT PROOF TO CFPB and EXPERIAN of such information. EXPERIAN continues to investigating this account and not finding the new owners of the account, I called and was told this months ago. ONCE YOU SELL SOMETHING, YOU NO LONGER OWN IT. EXPERIAN REFUSES TO REMOVE THIS particular ACCOUNT BECAUSE THE NEW OWNER the collection agency, XXXX sold my account to and who has contacted me for payment is UNABLE TO REPORT IT. LOL! 

ACCEPTANCE NOW HAS AGREED TO REMOVE MY LATE PAYMENT. MY account should have never been reported late, it never was late, this was clearly an error and Experian will not remove it. I SENT DOCUMENTS VIA THEIR ONLINE DISPUTE page, after they told me I could not dispute the account again. WHY am I unable to dispute this account when I have information that the account is being removed. THEIR INVESTIGATION RESULTS CAME DAYS AFTER ACCEPTANCE NOW HAD EMAILED ME, THAT THEY WOULD REMOVE IT. IF EXPERIAN INVESTIGATED IT, HOW COME THEY WERE NOT AWARE IT WAS BEING REMOVED? 

I also can't call EXPERIAN, they have my SS # flagged, but they harass me, daily, in wriiten hard copy via USPS and electronic form. STOP SENDING ME THIS XXXX!
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I initiated an external account transfer for {$1500.00} within the Bank of America Prepaid App. I have used this account a few times over the last decade, since the Employment Development Department here in California requires that all claims are paid to a specific type of prepaid Bank of America Account ONLY. My first time using my account was XX/XX/XXXX ; I enrolled in XXXX XXXX XXXX  through the XXXX department of the EDD when my daughter was born. It was during my first enrollment that I had used a XXXX XXXX Checking account as the linked external account, solely for the purpose of being able to transfer and access my funds. When I transferred money XX/XX/XXXX, the Bank of America system reverted my then-recently updated XXXX XXXX  Account back to XXXX XXXX, and it transferred the money with just one click ( it didnt allow me to review the details at all ; it didnt even ask me to confirm the request. It just sent it, and luckily I noticed the last 4 digits of the account were NOT correct. I called BofA immediately, and was told wait a few days and the money should come back to the account. Well, the money never showed back up. I finally filed a real complaint XX/XX/XXXX and it has been more than 30-45 business days that I was told was needed for the claim investigation. I also requested a copy of the investigation file, since I have never received any correspondence whatsoever in any format from Bank of America, either electronically or standard mail, and I needed some peace of mind. The last time I spoke with someone from BofA, I was told that the funds would be returned to me in just a couple days. Help!!! I want my money back!!!
Consumer complaint received 2021-12-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I am re-financing my mortgage through XXXX XXXX. My current Mortgage is held by Mr. Cooper/Nationstar. Mr. Cooper charged me a XXXX dollar fee for an expedited payoff request that I never authorized. I called and after speaking to XXXX different people they removed the fee. Then on the next mortgage statement a XXXX dollar fee was added. I have been on the phone with the mortgage company " Mr. Cooper ''. They will not refund this XXXX dollar fee. I never requested an expedited payoff. The are advising that another mortgage company requested the payoff on my behalf. I advised I never authorized that fee. I am currently on hold with them now to get the fee removed. This is horrible customer service and the fee still has not been removed. The fee is only XXXX dollars, but I feel that I should not have to pay a fee that I did not authorize no matter how much it is.
Consumer complaint received 2021-05-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (KY)

Requested COVID-19 forbearance on XXXX/XXXX/21 for 6mos and received notice via mail that it was only granted for 3mos. Called to have request fixed to original request and they asked me to email or upload request. Completed email and upload on XXXX21and have not received updated documents. Called today and they stated I had to wait until XXXX to request additional extension, even though I originally asked for 6mos.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRE XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (NJ)

I had a XXXX XXXX XXXX XXXX that I sold in XX/XX/XXXX. In XXXX of XXXX I sold the business property where all my bills got sent to. My XXXX had made arraignments to have the bills sent to my house. I did not get any bills sent to my house so I figured she was still getting them. I did not use the card as frequently because as I stated I sold my XXXX. In XXXX I was out of state and tried to use the card it was denied. I called the card company ( XXXX  XXXX  Visa ) Elan Financial Services to find out why it was denied. They stated I was 32 days past due. I said how can that be I have not received any bills and why did you not call me or email me surely you have to have by business number, this is a business card. The card was taken out in XXXX when I purchased the business from my partner and became an LLC. They said they called the number on file several times. I asked them to give me the number they called. It was not any number I recognized. They got abrupt and said well we called that number several times and left a message and the card was on hold till they received a payment. I had my bank account number and routing number and paid it in full electronically. I called the number they had on file a machine answered with this message Hi Im XXXX I am not at home please leave a message. I recognized the voice of my ex-wife. We have been divorced for over 18 years and had no way of knowing her phone number. I called the card company and spoke to a supervisor ( XXXX ) telling him the facts of the case and asked how did my ex-wifes number got put on as my credit card contact number. He did not seem to give a damn and said I should have realized that I was not receiving any invoices. I said there was the confusion with the address change you could have called my business number or sent the bill to either the old address or the new one, you did neither and arent you the slight bit curious how my ex-wifes phone was used as a contact number. His response yea thats strange. I have been in contact with Elan many times to straighten this out. I asked that all the invoices be sent to me either through email or mailed to me so that I can review them. All they did was mail me a total amount owed without any break down. I called again on XX/XX/XXXX to find out why I have not received them. I talked to a person named XXXX and she said she could not email it but would mail me and fax them to me. It has been 4 hour and still no fax. 
I have paid these bills in full yet I have no way to verify if they are legitimate. This has been a nightmare I have always paid my bill on time every month religiously. I am asking the CFPB to step in and hold Elan responsible to correct this and to clear up what ever damage was done to my credit rating. I feel very wronged by this and feel powerless they seem to hold all the power without any responsibility or liability. 

Thank for your consideration in this matter, XXXX
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

On XX/XX/2021 I traded my least XXXX XXXX for a financed XXXX XXXX. A month later I got a 30 days late payment notice for the least XXXX. I had not owned the car for over 3 weeks when I was contacted about the payment. When I called the dealer they said they made a mistake and had forgotten to pay it off. This should not be on my credit report as I did not own the vehicle at the time of late payment by several weeks. Southeast Toyota finance was the leasing company for the traded vehicle. When I asked them and explain to them that the dealer had the car and I had signed it over on the XXXX they said they can not do anything about it. I would like this removed from my credit report.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

To whom it may concern On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX transferred my mortgage to Citimortgage Inc as per letter XX/XX/XXXX from citimortgage. 
On XX/XX/XXXX I pay off above mentioned mortgage account # XXXX for coop at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. 
Prior to selling my XXXX , on XX/XX/XXXX I emailed request for stock certificate to XXXX. It took me 3 months to get an answer from company. I sent multiple emails and made calls to citi bank customer service and finally on XX/XX/XXXX I got response from lien department. It stated : " The original stock certificate and proprietary release would have been returned to you following the loan pay off in XXXX. We have conducted a thorough search of our records but due to the age of the account pay off we are no longer able to provide copies of that mailing ". 
To receive a new stock certificate for closing on XXXX XXXX had to pay {$600.00}. Citimortgage lost my stock certificate or perhaps even never got it from New York mortgage company during transfer of my loan XXXX XXXX mortgage company got it during purchasing of coop as they were my primary loan company. But I'm not responsible for proper transferring all documents between 2 loan companies because I didn't even initiate that transfer. Citimortgage didn't have any proof of mailing this document to me. I didn't receive document either. I kept all documents and letters related to my mortgage from start in XXXX to the end in XXXX but there is no stock certificate or letter that mentioned about mailing me stock certificate. 
I tried to resolve this issue with Citibank in person with branch manager XXXX XXXX XXXX, branch address : XXXX XXXX XXXX XXXX XXXX NY XXXX but after a while of his attempts to help me, he received the same answer as email I got on XX/XX/XXXX that certificate was sent to me but no record of it found. 
I would like to get a compensatory refund of {$600.00}, money I had to spend out of my pocket for document lost by mortgage company.
Consumer complaint received 2019-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

i was denied credit because of XXXX. i called them to request report. they would not send it and told me to go to XXXX XXXX XXXX. i went to the site and they still would not send it.
Consumer complaint received 2019-10-14
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: Experian Information Solutions Inc. (NV)

i was denied credit because of experian. i called them to request report. they would not send it and told me to go to XXXX XXXX XXXX. i went to the site and they still would not send it.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account closed. 
XXXX XXXX -account closed _assigned to attorney 15U.S.C. 1681 section 602 A. & section 604 s.2 15U.S.C. 1681c. ( a ) ( s ) 15U.S.C.1681 section 2 ( 2 ) ( 1 ) These are in violation of my privacy
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (VA)

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, 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 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Im accordance with fair credit reporting act XXXX  XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX. 

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 agency can not furnish a account without my written instructions
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

As a longtime card holder who responsibly pays off his balance every month, I received a promotional email from American Express telling me " do n't forget '' that the card could " allow you the flexibility to pay over time '' during the holiday season and reminded me that I am " permitted '' to carry a balance on the card. The email did not mention that such behavior amounts to taking on personal debt, or that American Express would collect interest on this debt - though, of course, it would.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.