davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise credit services keeps calling me about 10 times a week to collect a debt that i do not owe. The person they are looking for is a relative who never used my phone number as their contact info. i called 3 times and asked to be removed. The reps state everytime i was being removed but the calls wouldn't stop. I called today again spoke to a rep and explained the situation she said i had not been removed and that she would remove me from the call list. At that point i asked to speak to a supervisor. I was told by the rep that i did not need to speak to a supervisor since she would only do the same thing she did and said i was being removed and hung up on me. The calls are still coming. I have spoken to 4 people to stop calling me over a debt i do not owe and they are not complying and i think at this point that is considered harassment.
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

I sent a letter to Convergent Outsourcing , Inc dated XX/XX/2021 requesting debt validation. Instead of sending proper debt validation, I received a letter from Convergent Outsourcing , Inc, dated XX/XX/2021 indicating : X This debt is valid, attached is verification of the debt. 

Attached to the letter were XXXX statements. 

Convergent Outsourcing , Inc., did not properly validate the alleged debt according to applicable debt collection laws. Convergent Outsourcing , Inc., failed to provide a signed contract between myself and their company. Convergent Outsourcing , IncXXXX, failed to provide proof of a business relationship between them and XXXX. Convergent Outsourcing , Inc., failed to provide proof that I legally owed the debt they are attempting to collect.

To CONVERGENT OUTSOURCING, INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 
I have no recollection of a business relationship with Convergent Outsourcing , Inc. ( CONVERGENT OUTSOURCING, INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Convergent Outsourcing , Inc . 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme pursuant to 15 U.S.C. 1692. 

Please send me a certified copy of your license to collect a debt in California. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved,
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (MD)

Back in XXXX or XXXX I submitted letters to navy federal and to the three credit bureaus asking them to validate the account that was showing on my credit I asked them to send a written letter showing a signature page or any type of proof that the account was mine, it has now been five months they have not sent any type of validation or written proof to me nor to the credit bureaus and I have asked for these accounts to be removed immediately and they still remain on my credit. I have submitted several disputes and at this point I also have disputed this information with the XXXX XXXX XXXX and now along with you guys.
Consumer complaint received 2022-10-09
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. (CA)

Hi, My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 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. These items are effecting my credit score. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (VA)

XX/XX/2020 {$12000.00} I contacted PNC Bank numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Consumer complaint received 2022-02-07
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. (FL)

I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MI)

Negative information was entered on my credit report without my knowledge. I was denied my legal right under the FCRA to receive enough information to verify the debt and was denied the legal right to dispute the validity of the debt. I filed a complaint with the credit reporting agency informing them that I had no knowledge of the " alleged '' debt. The company never made contact with me to discuss or sent any type of letter to follow up. they only responded to the credit reporting agency that everything was correct and valid under FCRA. That's not true. The company denied me every legal right to look into it before taking this adverse action.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I experienced hail damage to my home during a catastrophic event on XX/XX/XXXX. I filed a claim with my insurance company and they promptly sent out an adjuster to examine the damages. A settlement check in the amount of XXXX was sent to me to cover the cost of the damages. My mortgage company needed to endorse the check in order for repairs to begin. At this point I was informed that it would be a " monitored settlement '' and they would have complete control of all distribution of funds to all contractors. Furthermore, they are requiring six pieces of documentation from each contractor before they release any funds. They will only release 1/3 of the cost to any contractor to start the job and will not release any more until the job is complete and inspected by a company of their choosing. Furthermore they are going to charge me for the cost of inspection by adding it to my mortgage payment. I pay my insurance premium, I pay my mortgage yet they have total control of the repair funds and if I don't comply as they said " your home doesn't get repaired ''. I also try to work with very reputable but small businesses in my community who can not afford to wait to be paid for jobs done. Their procedures will cause them hardship and limit my ability to chose the best man for the job. It is worth noting that I did not pick this company to deal with. My mortgage was sold to them and I am thus compelled to work with them. The mortgage company is New Rez based in XXXX XXXX. Their process is too complex and restricts my rights as a consumer who has never missed a payment or shown any other signs of fiscal irresponsible behavior. I also feel that the unnecessary delay in the repair of my home may cause more damage and cause me more XXXX and XXXX.
Consumer complaint received 2021-10-28
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. (LA)

XXXX reported incorrect that I had a {$400.00} debt on my credit card on XX/XX/XXXX, even though I remitted payment on the due date which was XX/XX/XXXX when my account was current and I didn't owe them any money. 

They repeatedly send the incorrect information to the credit reporting agencies in a attempt too harass people to send more money or send money they don't owe. I called them and they said my account was current. I've called them multiple times and been hung up on, lied to and given the incorrect information. 

XXXX  submit false information to get customers to contact them and is slow to fix errors, if they ever. 

I will be leaving this bank as soon as possible, don't put your financial well-being at risk with these people.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i went to apply for a home loan and i was turned down do to my credit, upon reviewing my credit i discovered that am a victim of identity theft, someone has been using my identity to obtain services and goods using my personal information.there are fraudulent address, phone numbers and email address listed on my current credit report that do not belong to me.
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit card issuer, Bank of America, has refunded my payment. I have not asked the issuer to refund my payment. 
This is the third time this has happened in the past two years. 
It appears that the issuer refunds my payment so the issuer can charge me interest. 
If this is the case, this is fraud, because it does lower my XXXX score and that can be injurious to my finances and employment.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear BANK OF AMERICA I, the consumer and natural person, was denied credit by BANK OF AMERICA when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by BANK OF AMERICA due to the response I received. BANK OF AMERICA is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BANK OF AMERICA. If BANK OF AMERICA fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make BANK OF AMERICA criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Atlanticus Services Corporation (CA)

Fortiva refuses to close the account that was created using stolen personal data. A letter was submitted to Fortiva on XX/XX/2016 with the opening of the investigation by my local police precinct. An account was open at both XXXX and XXXX, and were immediately closed on notification by XXXX and the other XXXX credit reporting agencies. Fortiva has refused to close the {$20000.00} credit line.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted 4 notarized dispute letters with documentation supporting my claims via certified mail to XXXX and Transunion on XXXX/XXXX/22. 

The post office confirmed that they was delivered and XXXX and Transunion said they didn't receive them and refused to fix the inaccuracies on my credit report. 

I tried to reach out to both Transunion and XXXX but was unsuccessful with resolving this matter. I also have the certified mail receipts to support my claim.
Consumer complaint received 2021-10-28
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MS)

Received foreclosure letter from attorney, Submitted modification request with financials. While my request for modification was being processed, I've tried to call the mortgage company several times I'm hung up on, put on hold. I call back the phone rings and no one answers. I have been calling for several weeks. Finally spoke with XXXX today Selene Finance she stated I never should have been mailed a foreclosure notice while they were working on modification request. I have received several denials all the denial reason have been different. One denial stated a report from XXXX was the reason for my denial. Another denial stated insufficient income, because they had my income incorrect, did not look at the paystubs, bank statements and tax returns, lastly I had a debt ratio issue, I don't understand how. I have read modification are based on your income, I am aware there is a covid 19 modification and other mortgage assistance programs. Did they reduce my interest rate, and monthly payment so I could keep my home. I want a modification and not to be put on a forbearance with is a catch up plan. 
They also refused to give me a forbearance because I was affected by XXXX.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I am making this complaint to voice my distress and anger over the recent movement by large banks like Citibank and XXXX XXXX ( XXXX  ) XXXX deciding to discriminate against law abiding citizens based solely on their political position. 
I am specifically referring to these corporations decided to not provide banking services to companies that legally produce and/or sell firearms. This is completely counter to the idea of the " free market '' and it is nothing more than outright discrimination. 
I am certain that somewhere in the application process these companies provide potential employees with a statement along the lines of : We are and EQUAL OPPORTUNITY employer. We will not DISCRIMINATE against anyone based on race, gender, religion, or POLITICAL AFFILIATION. 
By making this decision these companies are circumventing the long standing democratic process of the United States. As private companies they are free to use their money and power to press for the political change they want to see, but only to a point. If they want to support anti 2nd amendment candidates for election that's fine. If they want to hire lobbyist to convince law makers to vote for anti gun legislation, that too is fine. But for a company to say they will not provide their services to a person or company because they're stance on a political issue is counter to their own is just wrong. 
Its just as wrong as a company refusing to provide services to a company or person because they are a minority, or they are of a certain religion. This decision will undoubtedly hurt these companies financially in the long run. As an example I can state unequivocally that I will not utilize financial services from any company that decides to follow this misguided, anti democratic, anti American policy. I realize that anyone reading this may be thinking " big deal, one guy '' but allow me to remind the reader that 30 % of Americans are gun owners and of the percentage that don't 36 % intend to purchase one in the future. That is one XXXX of a voting block and one XXXX of a chunk of the consumers in the United States. 
XXXX XXXX Veteran and 2nd Amendment supporter!!!
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JLB CORPORATION (PA)

I inquiried about doing a refinance with Golden Oak Lending after receiving a flyer in the mail, after providing my interest rate I was told that the rate on the flyer was old and they could not do better than the rate I already had, yet they did an credit inquiry after the fact.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings (TN)

There is a online payday loan that keeps coming up on my credit report from speedy cash it is not mine, i have disputed it for years it goes off my report then they put it back on my XXXX again. its got the date of XX/XX/2015 for XXXX i did not do this someone did fraud on my account.i contacted the debt company that has the debt and they told me to go this route. its through XXXX XXXX. THERE EMAIL ADDRESS IS- XXXX XXXX
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This started back in XX/XX/XXXX with XXXX XXXX  when I was separating from my estranged husband and this company ignored all documentation sent for a Deed In Lieu of foreclosure request. 

They had us fax the documentation and then wait for a response. I never received any acknowledgement of the receipt of my paperwork despite constantly writing and calling. 

The home eventually foreclosed and I was going through too much at the time ( hospital stays, loss of a job at a company where we both worked ) due to the ending marriage, etc ) to keep fighting with them. 

Fast forward to XXXX and after the devastation of the pandemic, I have being calling them time after time to find out why there's still a balance on my credit report despite them telling me over the phone that I owe nothing. 
1. The balance they have is bringing down my Experian score, but it is reported correctly on XXXX. 

2. I've disputed this many many times, and the amount has changed a few times but not to {$0.00} like they said it should be. 

3. I've called and they said they could provide written documentation, then turned around 2 business days later to say they couldn't. 

4. They told me to email their credit department because they could get me a copy. SURPRISE, they never answered the email.
Consumer complaint received 2017-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (DC)

Due to the fact that I a not a U.S citizen, I did not understand that when resolving issues, like these i had to go to all credit agencies, and because of this lack of knowledge I only contacted XXXX to have the problem resolved. XXXX XXXX XXXX recently bought an outstanding {$1000.00} XXXX debt in my name dated XX/XX/XXXX. However I had contacted XXXX about this issue ; listed under 'XXXX XXXX XXXX ( ERC ), and had it removed from their records back in XX/XX/XXXX ( XX/XX/XXXX ) when i showed proof that the social security they had on file that was connected to the debt was n't my social security. Then issue still exists under my XXXX and my XXXX files and I 'd like it removed from these scores also.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX is supposed to be some sort of a collection agency or whatnot that asked for money from me however, I've spoken with counsel and asked for them to verify the debt as per the new Credit Laws based on Comprehensive Credit Act of 2020. None of the steps were validated and confirmed and I do not believe that the debt belongs to me. Every time I reach out and ask for assistance, that's when they never provide me what the law states. 

I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.