davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

On XX/XX/XXXX I sent a letter to Convergent asking them to validate a debt that they insist that I owe. In return this company sent me a bill XXXX that they are claiming is a validation that this is my account. However, the bill sent does not provide me as to the date in which this account was opened. All it shows is someone named XXXX XXXX opened the account. I have no knowledge of this account especially after seeing the information that they sent. Anyone could have opened this account. There is no contract, nothing with my signature on it nor my social security number and most importantly this document provides no information as to when this account was even opened. Also, I asked Convergent to validate this debt but on their letterhead they attached a response and I quote, " the debt is valid and attached is Verification of the debt ''. By their own admission they indicated also that what they sent me is a verification and not what I requested which was Validation of the debt.
Consumer complaint received 2020-07-27
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. (MS)

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Consumer complaint received 2018-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I am the account holder for routing number XXXX XXXX XXXX and checking account number XXXX XXXX XXXX XXXX The problem is that repeated charges are applied and posted to my my account in the same month. 
I am a social security XXXX recipient since XX/XX/2014 with ssd. Gov. 
Also my account ends in negative balance every month. 
Is someone hacking my account. 
Why is my account incorrectly managed?
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion, XXXX, and XXXX are all reporting information that is incorrect. I have filed disputes but the information continues to be on my credit report. I have documentation that the information that they are reporting is not from the original source. The documentation that I am presenting comes directly from Bankruptcy federal court in XXXX Kentucky.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

On XXXX I purchased an item AMAZON MARKETPLACE XXXX WA XXXX XXXX Portable Propane Wat SHIPPING AND TAX I did not receive the item. The record and available information clearly confirms that I did not receive the item. I filed a dispute with Synchrony. Synchrony responded that it would investigate my dispute while also providing a temporary credit to my account for the disputed amount. No temporary credit was provided, and Synchrony refuses to respond further. I have requested an accommodations under the ADA Title III from Synchrony, which they have ignored in violation of the ADA.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/2020 an unauthorized transaction charged to my account and in XXXX when I became aware of this charge I disputed the transaction. The transaction was reversed on XX/XX/2020, however the interest charges and late fees incurred due to the original charge remain. I did receive a letter stating that the dispute was resolved in my favor, yet I am still being charged because of it.
Consumer complaint received 2020-07-09
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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 verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

In XXXX of this year, approximately XX/XX/13 I contacted Citibank because I was not able to get my bank statements online. I was receiving an error on the website and I am not receiving my statements in the mail either. I was told I would hear back from them in a few days and its been almost 2 months and I have not heard anything and I still can not get my statements. 
This is not an issue with my computer or web browser because I was on the phone with Citibank 's website support and they tried to get me to wipe out my cookies and other things. I also tried several different computers on different servers and I was still having the same problem
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ZWICKER & ASSOCIATES (OH)

On XX/XX/19 spoke with Zwicker and associate XXXX XXXX and set up a payment plan. They indicated to us that after they receive the first instalment payment they would put the legal action on hold and we didn't need to respond to the court order. After allowing them to withdrawal XXXX for our first payment which was taken out of my bank account we recieved papers from them the following Monday to sign and return within 7 days from the agreement date which is roughly 3 days. These papers are the oppposite of what we agreed to and we called and spoke with they attorney Mrs. XXXX at XXXX and she refused to take responabilty. Further she said that we could not record the conversation and I told her that her practices were deceptive and she said she had to end the call. this is DECEPTIVE PRACTICES AND AGAINST THE LAW!!! We also contacted the original creditor, XXXX XXXX and filed a complaint. We have no intention of signing a jusgement order after they told us that it would be dropped as long as payment arraingments were set up and they recived their first payment. I feel as if I need to file a counter claim and sue them for deceptive practices. I do have a appointment with an attorney this evening.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

My home owners insurance lowered my right they sent a refund to my mortgage company and they held it for eight months they did nothing with it and I called and told him I wanted the money sent back to me with the interest theres no reason in the world that they should have held my money for eight months Ive done nothing with it they charge me interest if Im a day late and theres no reason they shouldve kept my XXXX and something dollars for eight months and done nothing with it I want interest added with my refund
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this account.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERIS BANCORP (GA)

I opened an account with Ameris Bank on XX/XX/XXXX.I live less then XXXX mins from the XXXX XXXX Location . While trying to make a purchase I realized my Debit Card constantly declining.I was unable to check my balance at the Ameris ATM. Forcing me to use out of network ATMs. This caused me to receive several XXXX dollar ATM fees.I went home XX/XX/XXXX to sign up for Business Online Banking to access my accounts via app 24/7. I was told to go to the website on my computer and sign up. I was told I would receive a Business ID within 24-48 hrs. I waited until XX/XX/XXXX to go back to the back to find out why i did not receive a Business ID. A teller at the XXXX XXXX Location walked me through the process and many pleas.I began to constantly visit the bank to resolve both issues.I just received access to my account XX/XX/XXXX. When I reviewed my account I realized i was charged five XXXX dollar overdraft fees and the funds were miss managed because I was unable to see my account and make transfers. I reached out to XXXX XXXX ( Branch Manager ) XXXX Location. She Refunded one fee.Then proceed to attempt to blame me for the overdrafts and ATM Fees and would not address me being unable to access Online Baking or The Network ATM. She said she would escalate the issues and contact me within 24hr. Her resolution was to Offer to close my account even thought I expressed multiple times that I would very much like to keep me account open. She said that I would not be issued anymore credits. I called the call center and spoke to XXXX XXXX she was very rude and unhelpful, She transfer me to XXXX XXXX who was also rude and unhelpful. Who then placed me on a 2 hr hold after promising to transfer me to XXXX for the incident report number or this complaint.XXXX XXXX ( Retail Area Manager XXXX XXXX ( Branch Manager ) XXXX XXXX
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Key 2 Recovery, Inc. (IN)

This debt was created in XXXX and I filed bankruptcy in XXXX. This debt was included in the bankruptcy and should no longer be in my report. They have created a new debt on my account as of last month. 

I am 18 days away from closing and this is my only collection on my credit. Which is false. Please help me fix this off of my credit so that it does not affect my mortgage.
Consumer complaint received 2020-07-09
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. (TX)

This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to EXPERIAN. I've been a victim of Identity Theft Fraud. The private investigators that I have hired have supplied me with suspect evidence including some of the transactions that were used with my identity and credit card information. There is also a fraudulent address tied to this account reporting from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have NEVER lived in California. I have included that enclosed in the documents. Additionally, my credit information was used to purchase flights and I'm in communication with the airline which will be supplying me with suspect and passenger information so that I can press charges against the persons responsible and file a civil suit for damages, lost time and monetary damages. I will not quit until I get the information. I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also the added Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. All other CRA 's have abided by the regulations and Identity Theft guidelines. This is blatant violation of FCRA law. I have now taken matters into my own hands and am investigating the fraudulent address, charges and updating records. I have conclusive evidence that my name, identity and credit information has been compromised in XXXX  XXXX data breaches AND XXXX breach and since these data breaches that I've been a victim of, I've had a plethora of issues including receiving calls from scammers or people posing as bank officials. I have set up the highest level security now including passwords and have wiped my digital information for safety.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC PLACED A COLLECTION ACCOUNT ON MY CREDIT FILE WITH THE OPEN DATE OF XX/XX/2019 {$600.00} BALANCE THAT WAS WITH XXXX XXXX XXXX. I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAD GOTTEN THIS ACCOUNT REMOVED BUT I GUESS IT WAS SOLD TO THEM AND IT IS NOT MY ACCOUNT.
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.A.Rogers, Inc. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.
Consumer complaint received 2019-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

PNC Bank seems to be utilizing misleading practices in mortgage ( HE ) monthly statements. The bank provides a section titled Explanation of Amount Due. In this section it breaks down how the  payment received is allocated between interest and principal. 
As an example it reads : Explanation of Amount Due Principal XXXX Interest. XXXX Regular Monthly Payment XXXX However, upon reviewing next months statement. There is a section in the bottom of the page titled Past Payments Breakdown In the section of paid since Last Statement it reads Principal. XXXX Interest. XXXX Total. XXXX It is clear that the explanation of amount due does not match how the payment is actually applied. This is misleading and has caused financial loss because the decision of keeping or selling the house was based on the payment allocation.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I received a collection letter from Convergent Outsourcing Inc. stating a debt to XXXX XXXX, XXXX in the amount of {$2900.00}, dated XX/XX/1996. My correspondence to them was, on a form that they provided, that I did not owe this debt and have no knowledge of this debt or XXXX XXXX, XXXX. Convergent insist that I provide them with Affidavits, Police reports that include my SSN, Drivers License DOB and Addresses. This debt appears to be 26 years old and uncollectible after 7 years from the date of the last payment. It was suggested to file a complaint with ( CFPB ) Consumer Financial Protection Bureau and Federal Trade Commission.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2017-07-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

I attended XXXX University for not even 6 weeks and I have a student loan that I cant pay I never even took the classes now I have a collection from the school and they took my financial aid that was supposed to be given to me. I feel i should get some relief due to the fact that I did not even finish the first 6 and I think the first 5 weeks of class. I was having really bad financial and family issues at time.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Someone stole my identity and opened many accounts wihtout my permission or authority. Please check 100 percent accurate, true correct. XXXX  XXXX is aware of the issue & agreed to remove the account from my credit file. Please remove.
Consumer complaint received 2023-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NC)

I received an auto payoff letter from Wells Fargo for an Auto loan for one buyer and received the title with another person name on it thats been deceased since XXXX. 
They cashed the check from my credit u ion in the amount of XXXX XX/XX/XXXX. 
I didnt receive the title until XX/XX/XXXX. 
And found out XX/XX/XXXX that I couldnt register the vehicle because the paperwork didnt match up. 
Now I have to wait for the deceased Parent to receive papers from the Courts before the title can be corrected. I was given a 30 day window before that paperwork is returned. Which will be XXXX. 
Im paying daily interest of {$11.00} since XX/XX/XXXX and Im not in receipt of the vehicle. 
I do not feel Im responsible for any fees acquired until I receive the proper paperwork from Wells Fargo. 
The loan was payed off out of deception. 
I thought I was purchasing a car from one buyer and not from someone whos been deceased since XXXX. 
Wells Fargo had ample time to rectify the paperwork. They cashed the check XX/XX/XXXX. 
Wells Fargo advised me that I have to contact XXXX XXXX or My bank. 
Wells Fargo shouldve listed both parties on the paperwork. 
However Im the only one paying for something thats not in my possession and wont be for another 30 plus days.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (CA)

Hello, Huntington National Bank is currently offering a promotion where, if you make {$15000.00} in deposits, they will credit you {$500.00}. Having the money to spare, I opened an account in attempt to satisfy these requirements. 

On XX/XX/2018 I sent the first {$7500.00} and on XX/XX/XXXX I sent {$7500.00}, both times from my personal XXXX checking account. 

On both occasions, after the funds had posted to the Huntington account, I withdrew the money to send back to myself. In hindsight, I realize this was probably not the best choice of action and was likely to raise a red flag, but because the promotional offer involved moving large sums of money I did not think twice. 

Huntington will not let me access my account after flagging it as possible identity theft. They want me to come into branch with ID which is no problem except I live in CA and their branches are in the XXXX, over a thousand miles away. 

Thank you
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. Please delete this account. 

Item # 2 : I dispute XXXX, this account balance is wrong. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.