davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (FL)

Since Covid-19 ; I lost my job. I called to my mortgage services and give me a information about program HAF DEO. 
I applied and I was approved last year XX/XX/2023. 
The HAF a program helping x 6 months payment, I contact with the PHH MORTGAGE SERVICES, and I send already all the information and also sent the award letter approved. 
The PHH MORGTAGE SERVICES, they recived the payment, but they returned the payment, because they needed reinstatement the amount x {$90000.00}.

I contact again to the bank and told me X apply for Loan Modification trial, but denied. 
Now its in reviewing my account. 
I really need help, because my husband he is very sick.
Consumer complaint received 2015-12-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

Convergent and XXXX XXXX XXXX continues to place me in collections for debts that are not mine. The are now claiming that I owe XXXX XXXX XXXX for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with Convergence or XXXX, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, Convergence turns things over to XXXX or XXXX of their other companies or, visa versa. At this time, Convergence is trying to collect for XXXX. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is Convergence Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.
Consumer complaint received 2019-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OR)

I purchase a XXXX on XXXX XXXX, 2019. I found a damage on the door and file damage with XXXX, On XXXX, I went back to XXXX, XXXX offer me to fix the car, I refuse to fix it, I request for replacement, since the car is in demand, and there were no car available similar like mine. So the only choice i hadis to return the car, which they told me if I did return the car, I had to wait for down payment to be return in 45days due to their return policy. I can not wait for 45 days without a car. So I ask them what other car that I could take delivery today? He check the inventory there 1 available but cost estimate {$9000.00} more then the current model I took which was the performance model. Anyway I had no choice either I come home with no car or take the model they had. So I decided to take the model 3 performance. So they re do the contract and ask to sign a new agreement with similar down payment, I ask what happen to down payment, he said he has to make separate and new contract has to have the down payment which I understood, I asked, can it be transfer from the old contract? He said he can not. He said he will try to cancel or refund the money as soon they can before the other contract ach to withdraw. The next day I called them about the down payment they told me it will not be return until 45 days due to XXXX return policy. Now I have a new contract drawn from my account estimate {$25000.00} and I am out with old contract {$25000.00} and I have a loan of over $ 30k with Wellsfargo. I need help. My name is XXXX XXXX XXXX
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I paid XXXX XXXX Account in Full on XX/XX/XXXX. I disputed the balance with Equifax 5 times and it still appears on my credit reports as unpaid. I sent them the paid letter form the collection agency. But rather than researching the account balance Equifax has verified my identity which I have never denied. I am attaching the paid in full letter from the company as well as my bank statement showing the date that the item was paid in full which was XX/XX/XXXX.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

i review all XXXX credit scores on a weekly basis. On XXXX XXXX, I noticed my experian score dropped XXXX points to a XXXX and yet my XXXX and XXXX rose by 3-4 points each respectively. I called experian and spoke to 3 reps who passed me off to one another. All 3 reps could not tell me why my score dropped. The final rep was a supervisor, very nice, but she said this looked like a mistake and that I needed to send a copy of XXXX and XXXX reports to their dispute department, so i did. The dept responded back to me with some 'canned ' pre-written decline that all XXXX bureaus worked differently. I have spent almost 3 hours trying to resolve this. I have excellent credit and all I am asking for is fairness. Why would my score drop XXXX points on the Experian report yet rise XXXX pts on my other XXXX reports. Experian MUST provide a valid reason for this and as of now, they have not and it appears they are refusing to admit a mistake. 

Thank you for this wonderful service by the way.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

Account name
XXXX XXXX XXXX
Account number
XXXX
Original creditor
XXXX XXXX XXXX/XXXX XXXX


THIS ACCOUNT IS A FRAUDULENT ACCOUNT.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

I have tried numerous times this year to attain a free yearly copy of my credit reports online. The last 4 of my SSN:XXXX. After putting in all of my personal information on all of the three major credit bureau website 's and verifying the information their websites want me to pay for these copies. I monitor my reports each year since my information was stolen as part of the OPM Breach. I make it a point to review all reports are update all fraud and identity theft statements and I remove any and all false information. I have sent inquiries to each but have gotten no response.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried numerous times this year to attain a free yearly copy of my credit reports online. The last 4 of my SSN:XXXX. After putting in all of my personal information on all of the three major credit bureau website 's and verifying the information their websites want me to pay for these copies. I monitor my reports each year since my information was stolen as part of the OPM Breach. I make it a point to review all reports are update all fraud and identity theft statements and I remove any and all false information. I have sent inquiries to each but have gotten no response.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/22 a payment was sent from our XXXX XXXX credit card to Venmo to pay an individual, Friend X ( not real name ). Friend X was unable to pick up the payment through Venmo. The {$1500.00} payment to Friend X was pending in our Venmo account until XX/XX/22. Contact with Venmo rep XXXX on that day reported this was an error and a claim was filed to credit the {$1500.00} to our account. As of XX/XX/22, there was no credit to our Venmo account and now no evidence the transaction was ever pending. The {$1500.00} payment to Venmo from XXXX XXXX had disappeared from our Venmo account. Contact with a Venmo representative on XX/XX/22 resulted in insistence that the {$1500.00} payment from XXXX XXXX was declined and never went through. However, there had been a pending {$1500.00} payment to the Friend X until XX/XX/22. Likewise, we had evidence of the {$1500.00} payment to Venmo on XX/XX/22 from our XXXX XXXX card ( which we have an XXXX XXXX reference number for ) and we have since paid XXXX XXXX for this charge. Contact with Venmo ( XXXX and XXXX ) on XX/XX/22 resulted in escalation of the account to an account specialist. Contact with XXXX at Venmo on XX/XX/22 reported that the issue continued to be with acct specialist and we needed to be patient. Venmo has reported to us on multiple occasions that the {$1500.00} from XXXX XXXX never went through, however, this is not the case as the pending payment to Friend X for the {$1500.00} transfer was pending in Venmo account until XX/XX/22 ( and we have confirmed with XXXX XXXX that the transaction went through ). Repeat contact with XXXX at Venmo on XX/XX/22 resulted in the same run around with no new information. We are told this issue will be escalated again to an account specialist but contact with account specialist can only occur via email. We have never been able to speak to an account specialist to find out where things stand. Meanwhile the original payee, Friend X who could not pick up the payment, has disappeared entirely from our Venmo account ( again as if it never occurred ) and the account continues NOT to have the {$1500.00} that was paid to Venmo from XXXX XXXX. It is as if the history of the entire transaction was erased. We are concerned that this is a scan from person ( s ) within Venmo since they refuse to resolve this conflict and we have evidence of the XXXX XXXX payment to Venmo.
Consumer complaint received 2019-03-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have sent up to 3 dispute letters to Portfolio Recovery Associates and they have refused to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me old billing statements which is not proper verification of the account. They continue to report this unverified account n my credit  company and continue to call and harass me.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (TX)

I have contacted XXXX XXXX XXXX regarding Account # XXXX at the address listed below via certified mail on XX/XX/XXXXandXX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have requested documents or agreements with my signature to confirm. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXXXXXX XXXX XXXXXXXX is not bonded with the state of Texas to collect any debt. 
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Consumer complaint received 2021-04-21
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. (WI)

Well over XXXX days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX  ''. In fact, I noticed several errors regarding this account on my credit report. XXXX of the errors shows late payments, derogatory status and included in a bankruptcy. XXXX of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had XXXX late payments- there are serious discrepancies and errors. Upon addressing this with both XXXX and Experian, nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to XXXX and Experian asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond XXXX days, the law requires that the disputed information must be removed from the credit report. XXXX  and Experian fail to comply.
Consumer complaint received 2016-02-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

This is a complaint against Equifax Credit XXXX. The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX Bank ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XXXX and XXXX of 2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that 100 % that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Paycheck credited to account and showing as over {$3500.00} in checking account Monday XX/XX/2020, as of XXXX XXXX. I was told by my employer I would see the check credit to my account that day or that evening. I check the mobile app and I see I have been paid. I buy a gift for a friend, and I go to get food since I know I HAVE MONEY IN MY ACCOUNT NOW. it is Tuesday XX/XX/2020, and I wake up at XXXX XXXX. to receive an email saying my account has been over drawn. I check the mobile app and now I am negative - {$95.00}! If I didnt have the money in my account THEN WHY WOULD THEY APPROVE THE TRANSACTIONS WITH MY DEBIT CARD? I SHOULD HAVE BEEN DENIED AT XXXX XXXX, AND ONLINE WITH THAT GIFT FOR A FRIEND. This is a shady malpractice with the intent of collecting overdraft fees! I even have overdraft protection on for this purpose! And now because of their error I will be paying over {$70.00} in fees? Im done banking with this capitalistic XXXX  pig. I will not forgive this error to one of the many oppressed in this shady country. Now I have to go bank with chase. Edit : its actually {$140.00} on fees now. Its XXXX in the morning and the account is now - {$120.00} and some change. Get your programming in order bank of thieves. It is not that hard.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (SC)

Account on credit report is showing a discrepancy in last payment date of XX/XX/2022 and XX/XX/2022 which is a violation of FCRA laws ( 15U.S.C 1681e ( b ) ).

Never receive a 1099-C form from original creditor ; under the IRS definition of charge off it has become a canceled debt and has to be reported on my income. 
The original company, The First Progress sold my account to XXXX XXXX XXXX without verifying me and without disclosing their responsibility which is a violation of FCRA laws ( 15 U.S.C. 1681e ( d ) ) The company, XXXX XXXX XXXX, is not bonded nor licensed to collect in my state of South Carolina. 
Please delete account off my consumer report due to violations and inaccuracies.
Consumer complaint received 2021-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I submitted a letter requesting accurate information be sent /updated to credit reporting agencies regarding a late payment from XX/XX/2020 and the request was denied. If they check the phone calls they can see I was instructed by Capital One to do the following steps to avoid being reported late but ultimately received the wrong info from an employee on a recorded line that ended up with a negative item on my report. It was NOT investigated fairly. And has caused my score to decrease significantly.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2018-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have not received proper documentation with my signature on a contract that validates this credit collection that is showing on my account. The account is also showing as an open account and I have requested valid documentation with my signature on it that the account was opened by me. I am requesting this information be immediately deleted from my credit report. 
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX   XXXX XXXX. 

XX/XX/2015 {$490.00} {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-23
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: Innovis (CA)

These companies completed hard inquiries under my name without my authorization. I do not consent to the inquiries. 

XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX CBCINNOVIS Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX 5 Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

Monday XX/XX/2024 Monday morning I was called by was was assumed to be a scammer attempting to change the phone number associated on my account, I hung up and immediately called Chime Bank, they assured me that no information regarding my account had been alterd, however, 16 hours later, my account has somehow been accessed money has been drained of it's available balance in the amount of {$1900.00}. Chime has been not helpful in resolving the issue and has told me to just simply wait and see what happens. They refused to investigate and stated that I must know the individual the money was sent to.