davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (VA)

/XX/XX/XXXXXXXX XXXX for the past several years has continued to pop up on my credit report. Every time I remind them that the original creditor XXXX XXXX XXXX XXXX found this account to have been fraudulenty opened in my name in a state I was not residing in at the time using my information via the internet and phone. I have been the victim of identity theft years ago. Convergent knows this a will pop on my report several times in the last several years and when I dispute the fraudulent account, they find its fraudlent from XXXX and delete. Then 6 months to a year later they try and collect again on a known fraudulent account hoping I will not dispute and they can make money ( so I've been told by one representative on XX/XX/XXXX. They are predatory. I have no outstanding bad debt and a good credit score, despite this fly by night operation popping up every 6 months to a year violating the FCRA and FDCPA laws about collections and reporting by being harrassing, providing false and intimidating talk and information relative to a known fraudulent account and attempting to collect on an already deemed fraudulent account. I have proof of them violating at least 6 different federal collections laws over the years. Friday, XX/XX/XXXX, without a call or mail to where I have lived and continue to live in Virginia ( not Florida ), they inserted on my credit reports. Laws state that a consumer must be served a dunning letter that state the alleged original creditor, amount alleged to be owed, the alleged date of oncurrance of alleged debt along with a required statement by law that identifies them as a debt collection company and the rights of the consumers. This never happens with this company. A true violation of consumer protections and rights. I pay all my bills monthly. I simply will not be harassed by this company by holding my good credit hostage in an attempt to extort money. I was told on XX/XX/XXXX by XXXX at XXXX XXXX via phone that I should " just pay the XXXX dollar bill '' even though it wasn't mine because he " can do whatever he wants to get me to pay ''. I record and document my phone conversations with this company and file them away. It seems this company has a difficult time owning up to what constitutes " good business ethics and preactices ''. Please help.
Consumer complaint received 2018-08-18
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. (MI)

Dear Sir, I am going through the Experian Credit Report and also checking inquiries on my report. I have closed all my individual XXXX credit cards. Irrespective of soft inquires impacts to my credit report, what's the specific needs of XXXX card inquiry dated XX/XX/2018 on Experian Credit file. I have closed my individual credit cards on XX/XX/XXXX and XX/XX/2018 respectively. Why did XXXX inquire about my social when I have not contacted XXXX card or I do not have any plans to have any kind of XXXX credit card. Could CFPB direct XXXX card/Experian to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct XXXX   card/Experian to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my Experian Credit file.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

The name of the company is Convergent Outsourcing. They constantly taunt and harass me about information they retrieved from the dark web. They claimed to have received my information from XXXX, this is false information. I spoke with a representative from XXXX and they have never heard from the company let alone given away my information. I asked the Convergent representative can I call XXXX on a recorded three way call they continued to decline. I requested to see a contract between XXXX and Convergent Outsourcing and they declined. This company has stolen my information from the dark web and I was warned by an alert on my XXXX account.
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent a dispute letter through USPS mail to Equifax on XX/XX/2021. The details of the dispute are inside the letter. Equifax have not responded to this letter. Equifax have not informed me if they have opened an investigation regarding the disputed item/items in the dispute letter. 
Equifax need to provide a respond to me ASAP since it is now way over 30 days. 
Equifax needs to open an investigate to address the dispute within the letter. 
Equifax needs provide details of the investigation.
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Fair Collections & Outsourcing has placed a negative on mine & my wifes credit file in error and are still unwilling to resolve this after repeated letters sent and speaking to managers there. I sent FCO a debt validation letter on XX/XX/XXXX in order to make sure they follow the Fair Credit Reporting Act & Fair Debt Collection Practices Act but they never responded to the debt validation & we NEVER received any notification from FCO in regards to this account referenced in collections and on our credit bureaus. We made a FULL-PAYMENT of {$630.00} to XXXX XXXX XXXX XXXX directly. I spoke with XXXX XXXX from FCO on XX/XX/XXXX and she told me to email proof in order to get the collection account removed from mine & my wife 's credit file and she assured me that it would be done but to this day it has still not been removed. FCO is still continuing to report this inaccurate negative account on both of our credit files. FULL-PAYMENT payment was made directly to XXXX XXXX XXXX and not settled as it shows on our credit reports. I mailed 4 separate letters to FCO in order to get this resolved but they would not cooperate. 

Attached is our final account statement from when we moved out on XX/XX/XXXX directly from XXXX XXXX and also debt validation letter sent to FCO on XX/XX/XXXX which they never responded to.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have issues with Unknown XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FINANCIAL SER XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX Experian XXXX BANK XX/XX/XXXX XXXX
Consumer complaint received 2022-02-22
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: V and H Portfolio (OH)

XXXX  XXXX charge off entry on my credit report for {$690.00} which is fraud. 

Vance & Huffman has an account for {$110.00} account # XXXX that is fraud.
Consumer complaint received 2018-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (NY)

Complaint file against Santander consumer # XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX This is a notice of Direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the information that you have posted to my credit files. I recently contacted you in writing on XX/XX/2018 & XX/XX/2018 by certified mail ( USPS ) concerning the above partial account number. I never did receive a reply back from you. Recently, I have taken matters in my own hands to contact the FTC, CFPB & XXXX on a few separate occasions and I have disputed directly with all three credit bureaus, XXXX-XXXX XXXX and XXXX pertaining to this account. I am providing my information solely for investigation purposes and for you to cease reporting this account to the three credit bureaus, until proper validation is verified.

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in the Notice of Dispute, to complete your investigation and report back to me the results, within 30-days of my Notice of Dispute.

In addition, I humbly request that you provide me with a complete, copy of any signed contract & any agreement/s that myself and Santander may have, including a total breakdown of the balance you believe that I owe and furthermore the date/s that this said account was opened/closed and who opened this account and who is still using this account? If this account has been sold to a debt buyer, please provide the debt buyers information with me though the mail. If this account isn't validated within the 30 days, you will have to eliminate the debt off of my three credit reports per the FDCRA.

Please note : I have taken further action and sent out copies of my previous certified letter that was sent out to you on XX/XX/2018 & XX/XX/2018 to the FTC and CFPB and three credit bureaus to protect myself. 

Thank you for your cooperation in this matter, I look forward to promptly hearing back from you.
Consumer complaint received 2018-08-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (WV)

Real Time Resolutions, Inc. sent a letter RE : Notice if Servicing Transfer dated XX/XX/XXXX. In the letter it states : " You are hereby notified that collection duty associated with the above referenced file, that is the right to collect payments from you, if applicable, is being transferred from XXXX XXXX, XXXX to XXXXeal Time Resolutions , Inc. ( " RTR '' ), effective XX/XX/XXXX. This letter shows a Principal Balance of {$3700.00} with a date of last payment being XX/XX/XXXX. 

The next letter that I received dated XX/XX/XXXX shows an outstanding principal of {$3700.00}. In addition it shows : Principal : {$1.00} Regular Payment : {$1.00} Past Due Amount : {$220.00} Total Amount Due : {$220.00} It also included a " Delinquency Notice '' : " You are late on your account payments. Failure to bring your account current may result in fees. Your account became delinquent on XX/XX/XXXX and, as of XX/XX/XXXX, you are XXXX days delinquent on your account : Recent Account History Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Current Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Total Amount Due : {$220.00}. You must pay this amount to bring your account contractually current. 

I feel that Real Time Resolutions, Inc. is using false, deceptive and misleading practices, and are trying to re-establish this debt. 

XXXX XXXX XXXX made the following statement in a letter dated XX/XX/XXXX : " Please be advised that we can not bring legal action to collect this debt or threaten to do so because the statute of limitations has expired. IF YOU DO MAKE A PAYMENT, we may later be able to bring action to collect this debt because the payment may start a new statute of limitations ''. 

In a letter dated XX/XX/XXXX from XXXX XXXX XXXX they stated : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX   XXXX XXXX, XXXX. and/or XXXX will not sue you for it and XXXX XXXX XXXXXXXX, XXXX, and/or XXXX will not report it to any credit reporting agencies ''. 

This debt was discharged in Bankruptcy in XXXX. 

Real Time Resolutions Inc continues to request a payment every month for {$3700.00} with the most recent being XX/XX/XXXX. 

I have requested Validation of this debt twice from them and have received no response either time.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (SC)

On XX/XX/2023 I spoke with a supervisor by the name of XXXX XXXX from IC Systems. I called in to pif the account associated with ATT U-VERSE since its placed on my credit. I asked if i paid a sif would it be removed from my credit. On a recorded line XXXX proceeded to tell me that if i paid the settlement of XXXX for the Att u-verse account ) that the account would be removed completely from the bureaus within 30 to 45 days. I paid the sif amount in full on XXXX XXXX XXXX. I requested a removal letter in writing to prove this will be removed. XXXX XXXX advised that a removal letter will be sent out 30 days from the last pay date upon consumer 's request. When receiving the letter, it was not a removal letter and then when calling IC SYSTEMS back a rep proclaimed to tell me that it wouldn't be removed bc its not paid in full, which is misleading info to properly attempt to collect a debt knowing I called to pif specially to get it removed. I asked to be connected to a supervisor, when the supervisor took my call she ref to help and sent me to consumer affairs which nothing has been resolved properly.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Advance Plus Checking account with Bank of America was penalized for charges that were made to my account at a time where there was a low balance. It was due to subscription fees that did not total over {$10.00}, which then caused me to incur 6 individual NSF fees of {$35.00} on top of the overdrafted amounts in my account from XXXX. I immediately contacted Bank of America to explain to them that I had no knowledge of why I was being charged those fees at that time since I expected them at a later date. Bank of America refused to extend any leniency to my situation and now I am out over {$200.00} due to just NSF fees alone. This is theft and should not be allowed as a standard practice for corporate financial institutions to prey on the poor.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (AZ)

XXXX XXXX is a complete hoax. Signed up for free ( shipping was {$6.00} ) XXXX XXXX which I never received and then they are trying to collect two bills in the amount of {$110.00}. Complete financial scam. Collection group on behalf of XXXX XXXX is Tate and Kirlin, XXXX XXXX, XXXX, PA. I have talked to them numerous times to dispute this collection effort. 

I contacted the XXXX XXXX XXXX and they have numerous reports about the same company. Now they are threatening to ruin my Credit!! 
Please help an American citizen and tax payer. These kind of con games hurt the American public!!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$170000.00} XXXX XXXX XXXX XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-08-18
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)

I paid a loan off with XXXX XXXX XXXX over four months ago. It still shows up as an outstanding balance on trans unions credit reporting sight. I called XXXX several times and finally they sent me a letter saying that the loan was paid off ; a visit to their web-sight XXXX XXXX that letter. I filed several complaints with transunion two of which I believe just disappeared and when i called to file one I didn't even get a confirmation number leading me to believe that I was lied to and that infact my complaint was not being investigated ; one particular that I filed in reference to this issue resulted in a letter being sent stating that  they found nothing wrong as the account showed to be in good standing. It is currently shown that there is a ten thousand plus dollar balance per trans union with regards to the XXXX account which is incorrect as there is a XXXX balance and the account has long been satisfied and closed. If you could please help me get this resolved I would appreciate it it is preventing me from buying a home after mine has been sold due to inadequate credit criteria as a result of the failure to show loan satisfaction on trans unions sight.
Consumer complaint received 2022-02-22
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)

XX/XX/2021 : exercised right to rescind the contract due to XXXX XXXX fraud. as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and EXPERIAN, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.