davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX. 
I would like for CONVERGENT OUTSOURCIN to show proof of verification that I owe them {$1200.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I Have filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my report.
Consumer complaint received 2018-07-11
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. (NJ)

I have 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, XXXX XXXX ( BY ) -MAIL
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. ()

Dear Sir/Madame, Good Day! I would like to inquire about Citibank the way they give a billing.I here in XXXX XXXX.I have a citibank credit card.My concern is.I have a bills amounting XXXX in XXXX rupees.But I failed to pay the exact amount which is XXXX due to financial difficulty. 
The only amount I payed is only XXXX.Then I received a mail below. 


We confirm receipt of your payment of XXXX and the same has been credited to your card on XXXX XXXX, 2016. 

The total amount due as per the XXXX 2016 statement is XXXX and minimum due amount is XXXX with a payment due date as on XXXX XXXX, 2016. However, the aforesaid payment is lesser than your minimum amount due. 

Late Payment Charge will be levied if the we are not in receipt of any payment within the due date or the payment made is less than the Minimum Amount Due. 

Interest will be charged if you do not pay back the previous bill in full and also on all Cash Advances from the date of transaction until the date of settlement. If a part payment is made, there would be no interest free period and interest charges would be applicable ( including on fresh purchases, if any ) via an average daily balance method. 

Hence, we request you to remit the remaining payment within the due date to avoid levy of charges. 


Thanking you Sincerely XXXX Manager - Customer Care I have a remaining XXXX in my savings account.When I check it its already gone in my savings account.Then I noticed that citibank take it.My question is is this fine for them to get that amount without informing there costumers. 
Please give me advice an advice regarding my concern. 

Regards, XXXX
Consumer complaint received 2022-07-05
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. (NV)

I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
XXXX ) XXXX XXXX XXXX XXXX XXXX Auto ) ( XXXX XXXX ) XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX ( XXXX XXXX ) XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Curo ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) Account XXXX XXXX XXXX {$250.00} ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX  Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of Ed/XXXXt Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (NH)

I filed a prior complaint ( XXXX ) against Veteran 's United as the company refused to recognize my state issued Veteran 's property tax credit. Only after complaining to CFPB did the company respond and agree to recognize the tax credit.

I have requested to opt of an escrow with the mortgage as I want as little to do with the company as possible after needlessly causing stress and costing me time in dealing with getting the company to recognize a state issues property tax credit.

Veteran 's United states that I have to sign a contract to opt out of the mortgage escrow. I have no issue doing this, but have questioned the need for a cushion/reserve escrow as this provision is required in addition to re instituting an escrow account and the provision is not required by the Real Estate Settlement Procedures Act ( RESPA ). The amount in the contract is the maximum amount allowed under the RESPA for a reserve/cushion escrow on top of the other escrow accouunt.

My wife and I returned a singed copy of the contract only omitting the cushion/reserves provision not required by the RESPA, which would be in addition to the escrow already required if my wife and I did not pay for the property taxes or insurance.

Veteran 's United has rejected this agreement and has cut off communications since that point in time. Nothing has changed as far as Veteran 's United not recognizing the state issued disabled Veteran property tax credit and Veteran 's United is not engaging in good faith to resolve the issue of opting out of the mortgage escrow.

Lastly, the contact with the representative from Veteran 's United has acted rude and condescending to my wife and myself. Any help given would be much appreciated. Thank you!
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through Transunion, XXXX  and XXXX but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.
Consumer complaint received 2022-09-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2008 Balance : {$49000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-11
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. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX system Account # 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
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AVANTE (FL)

This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/2021 they placed it again.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (NH)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

I am due automatic student loan forgivenss under the XXXXXXXX XXXX XXXXXXXX settlement. I have received a letter from DOE stating such dated XX/XX/2023. To date, that has not been processed by Nelnet. My student loans were to remain in an administrative forbearance until this forgiveness was processed. Nelnet took them out. I contacted DOE which agreed they should be in an administrative forbearance until forgiveness ( which is now past due ) is processed. I have a letter from DOE stating the loans should remain in adminstrative forbearance until processed and that they had informed Nelnet of this dated XX/XX/2023. As of today, XX/XX/2023 they are not forgiven and are not in administrative forbearance. After 1.5 hours and how much time on hold all I got was a run around. I want the forgiveness I am owed under the settlement processed ASAP. I want my accounts properly audited as I know Nelnet was bad about crediting parents and I have been overcharged interest. And at this point, they do not deserve to be in business.
Consumer complaint received 2022-04-10
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. (TN)

In accordance with the Fair Credit Reporting and 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, have 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 an account without my written instructions.
Consumer complaint received 2018-07-11
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. (NJ)

I have 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX   XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TN XXXX  ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX, NJ XXXX  ( XXXX  ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, NY XXXX  ( XXXX ) XXXX  XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, NJ XXXX  ( BY ) -MAIL
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WA)

This summer, I was forced to move my XXXX  loans from XXXX XXXX ( I never had a problem with them, ever ) to Mohela. I have yet to be able to talk with a customer service person although I have been calling at least once per week since XXXX. I have created an online account, but other than telling me my balance and showing the paperwork ( XXXX employment verification forms ) is being processed, it doesn't tell you any more than that. With the XXXX XXXX deadline approaching, I want to make sure that all of my payments will count. I have made XXXX payments ( the latest count from XXXX  XXXX ) and by the time XX/XX/2023 rolls around, I should only have XXXX payments left. 
I have sat on hold for hours only to have an automated recording telling me " There is an error in completing your request '' when trying to be transferred to the Mohela XXXX department. I even tried just getting to customer service with the same result. I also need to know what my new payment will be beginning in XXXX.
Consumer complaint received 2022-04-10
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. (NY)

Account Name : 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 XXXXXXXX, 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
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (PA)

On XX/XX/year> I RENTED a french horn for my 9 year for the XXXX school year. An hour later I got a notification from XXXX XXXX that a hard inquiry was put on my credit score. No where on the double page sign up did I authorize a hard inquiry on my credit for a rental of an instrument. I called the company and they informed me that sometimes that happens when there is a rental for a more expensive piece of equipment. I did not provide my social security number, I did provide my license, apparently they have a system that can populate my social security number from my license which is inappropriate given the circumstances. The company provided me with the XXXX number to dispute this hard inquiry. I called XXXX and was directed here.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (MO)

I've transferred XXXX $ via ACH into my Gemini account on the XX/XX/2021, the company froze my account next day, with out any prior notice, or even an email to explain to my why my account have been frozen out of the blue, I had already bought bitcoin with my the amount I transferred, with my account being frozen all my assets in my account were frozen as I well, I was not able to to trade or convert my bitcoin which started to fall and caused me a huge loss on my asset, the company then took a whole month to email me asking for a selfie of me holding my ID and then they stopped answering my emails
Consumer complaint received 2022-04-10
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. (CA)

On XX/XX/XXXX. I received an email from Experian Alerts ( XXXX  ). The email informed me that my credit rating had dropped by XXXX points. What they didn't notify me, was the reason for such a significant drop. There was a link to my Experian account which I opened. A report informed me that my credit score had dropped by XXXX points to XXXX. It further alerted me that lenders would now consider me a higher credit risk. 

I contacted my bank to review my revolving accounts and they admitted that they do report financial information to Experian, but after a thorough review could find nothing to support any reduction in credit rating. A point of fact is that all my accounts are listed as exceptional and top rated. 

The two other credit rating bureaus, XXXX and XXXX, have not dropped my credit rating, and have in fact increased it during the same time of the Experian action. 
Everything I am submitting can be easily verified, and I have all supporting documentation to strengthen my position. Citizens who follow all the credit rules should not be treated this way. I need your help to correct this.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I have had a primary mortgage with XXXX XXXX and we received notice it was transferring mid XXXX from XXXX XXXX to Specialized Loan Servicing LLC. We did not receive a payment coupon from Specialized Loan Servicing LLC. We called the company requesting a new loan number, # XXXX and sent a payment postmarked on XX/XX/2021. To date, we have still not received a payment coupon or any paperwork from Specialized Loan Servicing LLC. 

We had sent a copy of our XXXX XXXX XXXX  previously along with payment to Specialized Loan Servicing. 

Since this is our mortgage, this makes us understandably nervous. We would like payment coupons and timely acknowledgement of payments. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Oklahoma Student Loan Authority (IN)

On XX/XX/XXXX, I ran my three credit reports. There was a closed student loan on there for the amount of {$1500.00} from Oklahoma Student Loan Authority. There was also an address listed on the report for a Texas address. Both of these items are incorrect as I have never taken out a student loan. I called OK Student Loan Authority on XX/XX/XXXX to see what I needed to do to take care of this. They forwarded me their Loan Discharge Application : Forgery form to complete. I filled out this form and returned it same day along with a copy of my Drivers License, social security card, mortgage statement and utility bill. I continued to follow up with this company, but they would never transfer me to the correct department or provide me any answers on what the status was. It is now more than a month later and we are no closer to this being resolved. It is important to note that I currently, and at the time the loan was opened had an extended credit freeze on my account due to past identity theft. This loan should never been able to be opened without contacting me personally in the first place.