davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OH)

Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. 

If either party does not want to furnish this information than the reported information must be removed and deleted. 

XXXX supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. 

All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. 

XXXX XXXX & Convergent Outsourcing
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

The Mortgage Co. Modification my loan in 2015. I pass the Trial Period Plan and the agreement in the Trial period plan was " After all trial period payment are timely made and your client has submitted all the required documents, the mortgage would then be permanently modified '' I paid {$3100.00} in escrow shortage which is included in the modified monthly mortgage payment. The Trial payment plan also stipulated that i will received {$1000.00} each year for five years for a maximum of {$5000.00}, which I have receive those payments for the last four. This is the big problem the Trial Period Plan also stated " IN ADDITION, once the loan is permanently modified, your client may be eligible to have some of the principal forgiven on a deferred basis. So long as the modified loan remains in good standing, we will forgive {$50000.00} of the principal balance of the loan each year on the anniversary of the first trial period payment date for three years.Your client will lose this benefit if your client 's modified loan loses good standing at any time during this three year period, including all accrued and unapplied amounts ''. I have not been late on any payments. I have move proof of fraud.
Consumer complaint received 2019-03-16
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2018-02-20
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. (GA)

I have contacted Experian over six times since XXXX requesting proof of how a Bankruptcy on my credit report was " verified ''. Each time the company responds that the bankruptcy was verified but never validates the account. I have requested information on when, how and where the account is validated. There latest response dated XX/XX/XXXX is they will not investigate the bankruptcy again. However, I have not requested investigation. I want proof of how it was validated/verified. Experian can not seem to produce that information and have incorrect information showing on my credit report. 

I have yet to get it per FCRA Section 611 Experian has violated my rights. 

This is reason enough to sue for willful non-compliance under section FCRA 616.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

File a claim for fraudulent activity in the amount of {$21000.00} on XX/XX/2021 after being release from the hospital where I spend 1 year due to robbery, kidnapping, and trauma to my head and jaw bones. I reported my card stolen with local police department, supplied bank of America prepaid cash pay office of investigation all supporting documents. I'm about to be evicted from my subsidy housing apartment for good as of XX/XX/2021 for back rent of {$9000.00} I have beg and pleaded for an actual investigation. can someone please call me asap?
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. 

If either party does not want to furnish this information than the reported information must be removed and deleted. 

Equifax supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. 

All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. 

Equifax XXXX & XXXX XXXX
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX was purchased by Mr. Cooper on or about XX/XX/2019. However, neither company has notified me that the servicing of the loan had transferred. 

I received a letter today XX/XX/2019 via USPS certified mailed indicating that the loan was in default. Since I do not where, when, or if any of my payments made to XXXX have been credit towards the mortgage either before or after servicing was transferred, I am not able to verify the legitimacy of the information contained in the attached letter. 

The loan was paid ahead by two mortgage payments for some time now. The last mortgage payment that was made was on XX/XX/2019 for the XX/XX/2019 installment. 

I am very concerned that the payments that have been sent electronically sent to XXXX are unaccounted for and the money has been distributed to unknown entities.
Consumer complaint received 2022-05-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately 2-3 months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable
Consumer complaint received 2022-01-16
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: SUNRISE CREDIT SERVICES, INC (OH)

On XX/XX/2021, SUNRISE CREDIT SERVICE added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

This is my second time submitting a complaint! After the first complaint, Sunrise Credit Service removed the collection derogatory mark from my credit report and waited four weeks, and then readded the same derogatory mark to my credit report and then reported the same mark twice to XXXX. 

According to the FCRA, Sunrise Credit Service has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank distributed and serviced by XXXX XXXX California , Inc. Card number : XXXX XXXX XXXX XXXX. 
2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there were 3 fraudulent charges, {$72.00}, {$47.00}, & {$56.00}, totaling {$170.00} all to a shoe store in Massachusetts. I immediately notified prepaidgiftbalance.com at XXXX. After an extended hold I spoke to a XXXX. He gave me a claim # XXXX. He directed me to send my contact info, proof of purchase, copies of the front and back of the gift card as well as my California drivers license by fax to : XXXX. 
I have copies of those documents and fax verifications. 
3 ) On XX/XX/XXXX I faxed a letter demanding action on the claim. 
4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 
5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and call to the fraud unit. 
6 ) After 41 minutes on hold a XXXX asked for the card number, placed me on hold, and then was disconnected. 
7 ) I immediately called back and spoke to a XXXX. She needed to forward to the Fraud Team and she told me I would receive a call back within 24 hours. 
8 ) On XX/XX/XXXX having received no return call, I called and spoke to an XXXX at XXXX who stated that she was a senior fraud representative. She asked me to fax complete documentation including proof of faxes to XXXX, which I did. She told me to allow 90 days to investigate. 
9 ) XXXX! 
I have documentation for all of the above events. I have been stonewalled with their hope I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate. 
As a side note, I did purchase another MC Gift Card that I hadn't activated. After identifying this problem I activated it and to my surprised it was drained down by {$190.00}. Since it was a different I will file a separate complaint. However, the tactics are very similar to this complaint
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Voss & Klein, LLC (FL)

This is from an old debt collection originally opened XX/XX/2013 I hired a pool company ( XXXX XXXX ) to do pool repair and after breaking up my deck, and claiming to fix the leak ( but didn't ) wanted to charge me {$450.00}. 

I said no, because they didn't do a good job, and they have sold this to a debt collection attorney in Florida Voss & Klein that refuses to remove the reporting from my credit report. 

It's time to move on and drop the matter as it's FIVE years ago, and they are still reporting it as a negative. I'd like this removed from my credit report!
Consumer complaint received 2022-11-18
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. (NJ)

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. 

XXXX 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 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 2019-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: American Coradius International LLC (NC)

Hello, On XX/XX/XXXX I purchased a game system off XXXX for {$230.00} using XXXX. The seller cancelled the shipment and I received my refund on XX/XX/XXXX. The refund took a lot longer than expected but all was well. On XX/XX/XXXX XXXX charged me {$230.00} with the description " refund complete ''. It did not take money off my linked card number but my XXXX has a sitting negative balance. I received a letter early XXXX around the XXXX from " XXXX XXXX '' claiming I owe them {$230.00}. Is this company trying to scam me? Help me solve this issue. XXXX sends me through automated emails.
Consumer complaint received 2021-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy on my credit report!
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-16
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: EQUIFAX, INC. (FL)

AN /XXXX XXXX XXXX They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Consumer complaint received 2021-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AN /XXXX XXXX XXXX They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Consumer complaint received 2019-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX XXXX i want to file a complaint against Wells Fargo i started using Wells Fargo in XXXX i have over the past 4 years been robbed of thousands. I opened the account because i had my Social Security XXXX deposited there the first year they treated me great i had and maintained a savings and a a secured credit card always paid on time. I am a XXXX year old XXXX man on a fixed income i have been fighting with the hardships of that damaged credit because of identity theft was XXXX because i was a victim of a home invasion i was home at the time i was robbed, beaten, tortured shot and thrown in the lake left for dead thinking a dead man wont mind they threw in a little Identity theft i suffer from severe panic attacks, XXXX, XXXX, Severe XXXX XXXX being terrified to leave my home its hard to find another bank i tried with fraud alerts the banks want your to come in person. Wells Fargo you are Evil all the money gone taken out of my account, direct deposits not posted, payments withdrawn never paid company my complaint my checking account account XXXX was closed on my XXXX birthday XX/XX/XXXX with a charge off of {$280.00} by Wells Fargo got the statement also a letter telling me i was reported to XXXX knowing that is a hardship banks wont mess with you with that on your reports but on XX/XX/XXXX after 2 months of losing my fixed income on fees added, direct deposits never posted i closed the savings, the secured card, and the checking all accounts in good standing was told i had 90 days access to records no no no access denied i was told my accounts were closed i could not check because of Wells Fargo why would you keep it open and because XXXX XXXX tried to charge a debit card i was told that it was closed you charge overdrafts not good enough stealing what you had stolen from me before you had to get a few dollars more and then close it XX/XX/XXXX the day of my XXXX XXXX birthday my complaint is simple Wells Fargo that charge off needs to be corrected and any information reported needs to be deleted or I will sue you, report you, do everything i can to cause you problems and hardships i promise you I wont stop .. So please fix this all accounts closed. the charge off removed and any derrogatory and untrue information reported please make it disappear like my money did and whatever we know your company did'nt do it or glitches just correct it please. XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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 convergent account : XXXX XXXX  XXXX # XXXX, & XXXX XXXX  Acc. # XXXX, & XXXX XXXX Acc. # XXXX, & XXXX XXXX Acc. # XXXX, & XXXX XXXX Acc. # XXXX & XXXX BANK Acc. # XXXX & XXXX Acc. # XXXX Has Violated my rights. 
15 U.S.C. 1681 Section 602A. : 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 2019-03-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (TX)

Received calls about an unpaid debt from someone claiming to be XXXX XXXX XXXX. She stated they are a law firm and that legal action is being taken against me for fraud. Someone else also left me a voicemail stating they would be coming to my workplace to give me documents. I asked for a website, address, and other types of information to verify they were a real agency. She was very rude and refused to give me any information about the law firm.

Also, Previous to this instance, they have contacted my mother, husband, father in law and a coworker of mine.
Consumer complaint received 2019-06-11
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: CREDIT ACCEPTANCE CORPORATION (VA)

Someone have got a car in my name and manipulated my information. I am XXXX and have been taken advantage of. Someone keeps opening accounts in my name. I have not opened an car with credit acceptance and am in a bad situation because people keep taking my information and stealing my identity.
Consumer complaint received 2018-02-20
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. (TN)

Transunion is the only credit bureau that is reporting this old account that Im not even responsible for. That has been confirmed with XXXX XXXXXXXX XXXX The account is just sitting on my transunion account and it hasnt reported since 2016. I called transunion but theyre are just not complying with me. So I would love the help from consumer finance protection bureau.