davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NY)

I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Phone : ( XXXX ) XXXX in XX/XX/2018 regarding a debt from XXXX that in my recollection was paid in full. The debt was for {$450.00}. I called the collection agency and asked them to validate and verify the debt. I was sent a bill from XXXX, that simply showed a balance, but did not provide any details of the reason for the debt. I called the collection agency the week of XX/XX/XXXX, and after being transferred multiple times, the representative from Convergent explained that they could not find the account and I should call back. I called back and spoke with a representative during the same week, and explained what was sent to me. She was kind and empathetic and said they would send a detailed, itemized bill that would explain the debt. I heard nothing after that. I was notified on or around XX/XX/XXXX that the company reported the debt to XXXX.

I called the collection agency and explained that I still have not received information that validates the debt. The person became combative and said there's nothing they would do about it. I asked to speak with a supervisor and was hung up on.

I've submitted two disputes to XXXX, and the outcome was that the company validated the debt. I have still not received any information that validates this debt, according to the FDCPA guidelines.
Consumer complaint received 2021-08-17
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. (PA)

I am a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (CO)

I have a debt reporting on my XXXX credit bureau. I have tried resolving with the collections company Alpine Credit , Inc by mailing a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX  from the credit report, of which I received no response from and also there is no contact number provided on the report which is required. The debts reporting are {$150.00} and {$210.00} medical bills reporting in my deceased spouses name, who passed away XX/XX/2017. This is not my debt, nor did I sign as signatory financially responsible for this debt. I have tried multiple times to reach the company to discuss this and resolve but have been unsuccessful in reaching them. The contact information listed on the credit report is not good contact information. for Alpine Credit.My rights under the FCRA and FDCPA are being violated, and if this isn't resolved I will contact an attorney.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (GA)

discover is taking an unreasonable amount of time with a balance transfer. The im trying to transfer a balance of XXXX but nothing is happening and I have no idea why its taking so long.the first one was started XX/XX/XXXX but i closed it and started a new one.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MS)

XXXX XXXX XXXX along with Hunter Warfield have put a large ungodly amount of money against me that has seriously hit my credit score .. ALL IS COMPLETELY FALSE! I paid my rent 2 weeks early the entire time I rented from them.. They kept my deposit and said the extra amounts were for carpet replacement.. The carpet along with the 2nd rate apartment complex was disgusting. They had XXXX  and XXXX XXXX raided every single night.. The most unprofessional person 's they could find for representing their company that harassed tenants trying to move from facility worse than any situation I had ever been in with a landlord. She cut the locks off while we were inside 3 weeks before my lease was needing to be renewed completely beligerant scaring my kids and not {$1.00} was late and I tried staying away from her completely not causing any problems.. The place was subpar and really nothing I would ordinarily would ever live in but my husband died 2 weeks before moving in.. I had never seen this complex or knew of anyone renting their.. I moved back to my hometown for familiarity and this was built in the mean time.. I have tried resolving this issue with them.. Hunter Warfield should be shut down along with these greedy slum lords trying to squeeze a few more dollars for their own greedy gain.. THE CARPET WAS DISGUSTING IN FIRST PLACE! DO WAS THE PAINT! HOW AM I OAYING THIS? AND HOW IS THIS LEGAL FOR YOU ALL TO RUIN MY GUTURE AND MY CREDIT SCORE ALTERING MY CHILDREN AND I PLANS BEVAUCE YOU NEED PAWNS TO OAY FOR XXXX  HACK WITH XXXX  LURKING 24/7.. I HAVE NEVER RAISED MY KIDS UNDER THESE CONDITIONS.. IT WAS TIME TO GO! 1 YEAR WAS XXXX!
Consumer complaint received 2018-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 a transfer was made into an account by mistake. Chase is not responding to request to return funds.

The amount deposited incorrectly into a Chase account was {$500.00}.

I contacted and subsequently filed a complaint with my Bank ( XXXX XXXX ) who informed me that Chase would not grant permission to retrieve incorrecty deposited funds.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Express Aviation (TX)

My school, XXXX XXXX XXXX of XXXX XXXX, Tx filed for bankruptcy after going to court for an abrupt closure due to mishandling of student funds. Court is in process for the school closure. But due to this I have been left with a loan on my name that I need help clearing.
Consumer complaint received 2021-09-21
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: Bread Financial Holdings, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NJ)

I have written & mailed and provided my approval of state funding to help with rents and they still are calling 24/7. 
They wont make a offer to lower each balance on XXXX {$380.00} offered {$120.00} XXXX {$540.00} offered {$200.00} I have been making XXXX - XXXX payments once or twice a month, since I found employment.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Loancare is our mortgage servicing company, who we have paid our mortgage to, on-time since the beginning of our loan. Loancare has failed to pay the property taxes on our home for over a year. The delinquent taxes have now gone to the county attorney who is threatening to file against us in court to take away our home if the taxes arent paid. We have been trying to get loancare to pay the taxes since XX/XX/2020 to no avail. They are basically holding our escrow money hostage and are delinquent on the tax payments. We have called over 30x, sent countless emails, sent the tax bills via digital pdf and certified USPS mail, still no payment made. We need help. We need loancare to release our funds or pay our taxes, plus the penalties, interest, bureau fees and attorneys fees from the county.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (DE)

Fraudulent account openend at a address i never resided. 

Wells Fargo allow someone to open account and utilize account without my authorization. 

I did not live at the address nor have i ever resided at this address in which this account was openend.
Consumer complaint received 2021-08-17
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. (PA)

I am a victim of identify theft and did not make these charges, the items that need to be removed from my report are listed in my supporting documents.I have never done any business with this companies. This company does not have contracts with my signature.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

Over 5 years ago, I received a collection notice for a XXXX debt that was not mine. Someone had opened a XXXX account in my name in another state and never paid that bill. I immediately contacted the debt collection agency and they took it off their records. I then contacted XXXX and got it taken care of. Today, I received a debt collection notice from Convergent Outsourcing Inc. for this same debt. I called Convergent and explained the situation to them, and they are to send me a fraud packet to complete and return. I wish I hadn't called them because I gave them personal information and now I'm reading that they are a scam company. This debt has never appeared on my credit report.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

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 2020-04-16
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and Professional Debt violated my 609 rights byreporting incorrect information to Experian regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 

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  reported to Experian that I applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer rights.
Consumer complaint received 2021-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc (MO)

I HAVE ATEMOTED TO REACH OUT TO POSSIBLE FINACE SEVERAL TIMES TO MAKE MY PAYMENT AND TO PAY IN FULL. THEY DO NOT HAVE A CUSTOMER SERVICE NUMBER BUT EMAIL. I HAVE ASKED FOR SOMEONE TO CALL ME SEVERAL TIMES, SO I CAN MAKE MY PAYMENT. THEIR APP IS VERY DIFFICULT TO UNDERSTAND AND I WANT TO PAY ASAP.
Consumer complaint received 2017-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NY)

ERC debt collections company continues to report to all 3 credit bureau 's as my account in collections and/or derogatory after me speaking with them numerous times, explaining the debt was paid & full. I requested a written letter numerous times & for the incorrect reporting to be taken off my credit reports, I was promised over & over again it would be corrected and not show negatively on my reports. I have repeated asked the 3 credit bureau 's to correct the mistake. This is causing me to be denied credit cards,  rentals, and increased interest rates, which is very unfair when I am current with all payments and not in collections.
Consumer complaint received 2023-01-29
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. (NY)

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, 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 2020-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (GA)

Transworld Systems received a collection account on me for a medical bill from 2 years ago. It was {$260.00} and the original creditor was XXXX XXXX. It had been billed to my health insurance and I thought they paid it. I tried to refinance the mortgage on my house and when they pulled my credit report on XX/XX/20 they informed me that Transworld had a collections item on there, and because of that I was denied my refinance. I called Transworld on XX/XX/20 and asked them what they did to notify me of this debt before sending to my credit and they told me they sent me a letter. When I asked for proof of it or a date they sent the letter, they admitted to me that there was a mistake and they never sent me a letter to notify me. I explained to them that since they reported to my credit without any attempt to contact me, they needed to clear this up with the credit bureaus and get it taken off my credit and they refused even after I paid the balance. I did a dispute with all 3 bureaus and they all updated it to say " paid in full '' but are still not removing it from my credit. The next week I received a letter in the mail from Transworld notifying me of the account ( the letter they should have sent to me as soon as they got my account ) dated XX/XX/20 so it seems to me they sent it out when I called them on XX/XX/20 to attempt to cover their tracks but they had already reported it to me credit before XX/XX/20.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (TX)

AVANTE has placed a fraud account in the amount of {$1100.00} onto my credit file. Not only have they inserted a fraud account I was never made aware of this debt and was not given my right to dispute the validity of this account. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one is driving me crazy its been a while since I was already current but than again fall behind on my payments I have 3 cards with capital one and capital one has failed to contact me thru the phone to enroll me in a program that allows me not to have any more late fees the late fees are killing me as very month and due dates come by. And the interest fees too high I understand that the fees cant be waved and that u need to pay the bLance in full si in that way u wont have any interest fees.

Ive tried hard to contact them and ask them for assistance but I am sure that they dont care because as more the debt is the more fees I have to pay such As late fees so for every account theres been 5 late payments and the late fees have gotten me and driving me crazy why couldnt they stop the late fees when they knew I was fallen behind. Rather than working things out and put a stop in the late fees by enrolling in to the program my balance due for each account should have been lower at this point.
Consumer complaint received 2018-09-28
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)

I understand things sit on your report after a file A XXXX I have complained about couple years still sitting on my report its unfair for my score to be low after this fact. I barely use my credit. I even sent in personal information to prove this problem. Its not fair if u fix a problem things still sit on your report still
Consumer complaint received 2017-09-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC (NC)

I contacted the company asset recovery solutions llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX. I owed university of XXXX tuition, i had lost my financial aid. I made a settlement and payment agreement with them. I paid {$300.00} down on XXXX XXXX, XXXX. Then {$95.00} bi-weekly when i got paid would be debited out of my account until XXXX. this was done, so i believed the debt was paid i recieved no calls, emails, or letters saying otherwise. This was also removed from my credit report. I recently tried to re-enroll in university of XXXX and was told i still owed them and it went to another agency. i contacted XXXX XXXX, they said a payment didnt come out so they sold my debt. i was never notified and tey kept debiting my account for the remainder of the payments. they state that a payment in XXXX did not post. I know that they have to contact me when selling my debt, they did not. they kept debiting my account and never let me know a payment was missed until i contacted them when i couldnt re-enroll in college. they sent me documents about my settlement and my payment reciepts i am attaching them. thank you. 
sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BCA Financial Services, Inc. (TX)

I recently learned that my personal information was used to open an account at your company BCA Financial. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.I have never heard from BCA Financial concerning a debt that they hold under my name. I have never done business with this company or had any obligation to pay them any funds. This account is a direct result of identity theft.