davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XX/XX/XXXX Attention : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX D.O.B XX/XX/XXXX Email : XXXX XXXX XXXX : I would like all of my unauthorized derogatory remarks removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account name : XXXX XXXX XXXX Account Number : XXXXXX Date file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Reason : THIS IS INACCURATE
Consumer complaint received 2020-12-04
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. (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- -- NAMES are NOT MINE. FCRA violation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX < -- - ADDRESSES are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/2018 < -- - ACCOUNTS are NOT MINE.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OH)

I have Two collection accounts listed on my credit report for the same amount. I don't feel it is fair to be able to list it twice or the reason it is being charged to me. That is why I am reaching out for help. 

It initiated with XXXX XXXX when I discontinued my service with them. It wasn't for a bill or phones that I owed, but because I discontinued 2 lines of service with them. They charged me {$840.00} for dicontinued service of 2 lines. Which is {$420.00} per line of service. 

This is outrageous and should not be allowed to be done to anyone. Please help. If I can provide any other information, please let me know. 

Thank you for your time and assistance. 
Sincerely,
Consumer complaint received 2020-12-04
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. (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- -- NAMES are NOT MINE. FCRA violation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX < -- - ADDRESSES are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX  XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/2018 < -- - ACCOUNTS are NOT MINE.
Consumer complaint received 2021-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One is acting in bad faith in resolving XXXX XXXX dispute originally I sent them corresponding emails and letter in regards to XXXX XXXX not following through with are written contract as well XXXX XXXXl @ that time was not operating with proper insurance and bond to handle/store household items I immediately took possession from one of there XXXX XXXX XXXX and cancelled my agreement and put company on notice immediately and provided hard evidence of such, Capital One immediately gave me provisional credit months later Capital One took back the credit overdrawn my credit limit with 2 frivolous responses, quote I did not provide information they required XXXX XXXX  not to mention Capital one has denied credit increases on my secured line of credit different account as well failed to refund me me secured amount as I have excellent history, because all this it has caused my XXXX  Scores to go down and they are in-properly reporting high limits to hold me XXXX and preventing other companies to approve credit this is a tatic Capital One Adopts to monopolize the industry
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX - I contacted Bank of America 's mortgage customer service line in efforts to make automatic drafts out of my account on XX/XX/XXXX and XX/XX/XXXX. My monthly payment is {$720.00}. The representative I spoke to put in the system the dates I requested and provided me with 2 confirmation numbers. On XX/XX/XXXX I received an email stating that BOA had not received my promised payment and that I needed to contact them immediately. I called BOA to inquire why the payment was not drafted from my account they responded by saying that my property was in the process of being foreclosed on. I asked if I could make a payment right then and there they stated no because of it's current status. I was then offered an opportunity to apply for a loan modification I received the necessary paperwork to apply for the modification and now a WEEK later there is a sale date on my home. It's like I never had a fighting chance to get my account current
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Experian online service will neither display a credit report nor allow me to freeze my credit. I've tried several times over the last several months, including today, XX/XX/2021. 

Experian requires payment of {$19.00} per month to display my credit report or freeze my credit, which goes against spirit and letter of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IL)

DiscoverBank at XXXX XXXX XXXX XXXX, DE XXXX has been sending me collection notices in the amount of {$2500.00} the collection has been reported as a past due balance. I do not know this company i have never done business with this company. this company does not have a contact with my signature. 

The Discoverbank account number on my credit profile is XXXX****. Also the open dates of this account is different between the credit bureaus showing an open date of XX/XX/2014 with XXXX and XX/XX/2014 with XXXX. the mere fact alone that the open dates of this account is different and needs to be removed from my credit report.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : ( XXXX XXXX XXXX XXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXX XXXX  ***** XXXX XXXX, XXXX Balance {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$3400.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

I've reached out and settled the debt in full with the collection company who provided a receipt of payment and a deletion letter that the account will be removed from all reporting credit agencies, including XXXX XXXX, and XXXX 
I have attached the deletion letter from the collection company below.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

Sent documents on XX/XX/2021 indicating my remedy for violating 7 Federally Protected Consumer Rights under 15 USC 1692 and 1681 to avoid suit being filed in court. Invoice amounted to {$7000.00}, XXXX maximum for each violation committed by Jefferson Capital Systems , LLC. 
All but 1 remedy was acted upon. 1 ) zero the balance on the account and 2 ) deletion/removal from consumer reporting agencies **Failure to 3 ) compensate myself for every violation labeled in attached exhibits provided to Jefferson Capital Systems , LLC that violated FDCPA
Consumer complaint received 2021-11-08
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: AMERICAN EXPRESS COMPANY (NV)

Complaint summary : On XXXX XXXX, I pre-paid in FULL, the amount of {$530.00} for PET DAYCARE services for my pet dog. 
Note : Services NEVER rendered. 
Start date : XXXX XXXX End date or good through date:1 year. 

Issue : On XX/XX/21, XXXX XXXX ( XXXX XXXX, NV ) company notified me via email, that theyre filing bankruptcy and going out of business and will NOT refund the monies paid for services already paid for but not yet rendered. 

Applicable regulations : UDAAP Unfair and Deceptive Acts and practices for bait and switch in charging and receiving funds or payment without services rendered or merchandise received, which is interrelated with Reg Z for billable dispute.

Reg Z : Conduct a reasonable investigation within 30 days. Note : How do you dispute an amount paid to a company that is CLOSED and filing for Bankruptcy out of the blue? 

Desired resolution : Full refund back to my credit card totaling {$530.00}. 
pursuant to the Regs above. 

Next steps : In filing this Federal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ), I will send this copy to the Nevada Office of the Attorney General and Local channel XXXX Action news to shed light and awareness to other innocent consumers/victims.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (PA)

I'm a Survivor of XXXX XXXX which ended after 17 years and also my entire life ended when my husband came over and XXXX me under a PFA and made me completely XXXX XXXX   and XXXX XXXXXXXX my entire life changed within 5 minutes and due to that fact I had to wait a year and a half just to get XXXX and live off credit cards for me and my children child support took one year to receive as well and I had no money coming in. We have a home equity line of credit with Key Bank their address is XXXX XXXX XXXX XXXX Ohio XXXX and they do have a phone number here XXXX. My husband under a court order through XXXX XXXX received a credit of {$550.00} every month to pay the home equity line of credit at KeyBank. He continuously paid it late which affected my credit as far as the score and I am now having major difficulties finding anybody that will refinance me. Under the marital Separation agreement and property separate under the marital property agreement I am to refinance {$25000.00} of the home equity line of credit on to my house and my ex-husband must refinance the balance of that loan on to his house. I have been turned down by almost every mortgage company due to my score and due to his late payments. I have offered Court documentation showing that he was fully responsible for making the payments but they all say because it's affecting my score to and which brought it down drastically.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I entered a cab late night on XX/XX/2018. I attempted to pay driver with a debit card and the driver switched out my debit card for another and I did not notice that until the next morning when XXXX sent me the fraud/overdraft alerts. There was no record of the cab fare but an ATM withdrawal of {$500.00} and {$2800.00} worth of XXXX purchases were made that morning ( details attached ) and summary below of actions taken by thief. 

Thief made 9 transactions at 3 different XXXX XXXX totaling {$2800.00} on XX/XX/2018 Thief took {$500.00} out of an ATM on XX/XX/2018 Thief attempted to change my primary phone number with Chase on the night of XX/XX/2018 Thief attempted to raise my debit limit the night of XX/XX/2018 I reported the fraud within minutes of receiving an SMS message from Chase in the same morning as the fraud was committed. I talked with a Chase fraud agent at XXXX XXXX  the morning of XX/XX/2018. I filed two rounds of claims with Chase about the fraud and that I did not authorize any of these transactions. Both transactions were denied because Chase did not believe this was fraud even though they identified it and sent me SMS messages early morning on XX/XX/2018. Chase also denied my ask to get additional data around the complaint for the police report and would not provide any ATM pictures or card location data. 

Chase is one of the leading financial institutions, they have a tough job protecting digital banking from many different threats, and that is what consumers like myself are depending on. Based on the fraud actions/patterns taken on XX/XX/2018 by the thief, I find it hard for them to have not shut down the account earlier and attempted to help find the perpetrator by providing any data necessary to help track down the thief.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I cycled through a bankruptcy in XX/XX/XXXX. One creditor I had was BofA. I pulled my XXXX  Credit report in late XX/XX/XXXX. I found there was inaccurate information in my XXXX  report concerning a bankruptcy discharge of the a BofA credit card debt. After contact with XXXX they reached out to BofA in late XX/XX/XXXX and BofA did not respond... so XXXX  took the debt off my credit report. Fast forward to XX/XX/XXXX and my credit monitoring service sent me a text stating my credit score had dropped 50 points. I logged into the credit monitoring an saw that XXXX  and BofA had reposted the debt that had been originally taken off (early XX/XX/XXXX) due to the BofA violation of the FCRA. I contacted XXXX  by letter and followup phone calls and they told me they could not help me and laughed at me when said I would be calling the CFPB. Next, I called BofA and advised them of the problem and that through the FCRA were supposed to make notice to me of the reposting and disclosure of a debt according to 15 U.S. Code 1681s-2/h. BofA representative XXXX XXXX told me she could not help me and... when I mentioned I would be filing a complaint with CFPB and she almost dropped the phone laughing at me.Debt partial number XXXX Opened XX/XX/XXXX - Closed XX/XX/XXXX.
Consumer complaint received 2021-11-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (KY)

Recently NCB responded to my complaint, and admitted to reporting the incorrect dollar amount to the credit bureaus. NCB stated they purchased the account for {$16000.00} and are reporting this amount to the credit bureaus instead of the actual deficiency balance. Based off FDCPA and FCRA you are not allowed to report the wrong dollar amount, inaccurate information, or incomplete information. The information is incomplete as the documents you submitted do not outline how you come up with the {$16000.00} you are reporting. Im simply going based off your most recent explanation/ response as how NCB come up with this dollar amount. Again, the documents you provided do not state the {$16000.00} as the deficiency balance. Please report the accurate delinquency balance to the credit bureaus and remove the collection account immediately as the dollar amount you are reporting is not the accurate deficiency balance. 

Also, you didnt provide documentation of the last bill statement, documents confirming how you came up with the {$16000.00}, or provide anything stating I am able to dispute or even took the initiative to upload documents through cfpb. Maybe CFPB can take a look to see where the inaccuracies are. 

Again, your company has been aggressive and not satisfied my request to remove the collection. It IS a violation of the FDCPA and FCRA and I demand it be removed. 

If not removed, my next step will be to hire an attorney and take the matter to court
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To whom it may concern my student loans that i paid off show up on my credit file on XXXX  but not transunion or XXXX. I would like to be updated so it shows I pay off my things on time and so that my age of credit can be accurate. I also have a XXXX XXXX XXXX  of my cousins i am a authorized user on that has still not been updated to my credit report.
Consumer complaint received 2019-11-13
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. (IL)

My account with XXXX went into collections in XX/XX/2019 in which XXXX sold the debt to XXXX ( a collection agency in TX ). But XXXX continues ( to this day ) to report that I owe a balance, a past due balance and late payments. Although they no longer own the debt as of XX/XX/2019. XXXX reported the debt to the credit bureaus ( meaning the debt was reported twice on my credit report - once as a collection and once as a open loan that was past due, late and I owed a balance ). 

I paid off the debt with XXXX on XX/XX/2019. XXXX is reporting a zero balance owed on the debt but XXXX continues to report the debt past due, late, and that I owe a balance. I've been trying to dispute this debt with XXXX since XX/XX/2019, since they no longer own it and they should be reporting a {$0.00} balance, but they continue to update my credit report to show I owe them money and that I'm past due with them.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2020-12-04
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: North American Asset Services, LLC (CT)

XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; Tried resolving directly with companies. I have previously had identity theft before
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XX/XX/2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector