davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

I was first contacted by XXXX, XXXX with a collection notice for a XXXX XXXX account that was not mine. I have never owned a XXXX XXXX or other affiliated account with XXXX, ever. The notice was dated XX/XX/2019. On XX/XX/2019, my attorney sent them a debt dispute letter that stated this was not my debt and that if an account with XXXX XXXX does in fact exist, it was opened fraudulently. USPS tracking shows that XXXX did receive the dispute letter. They responded on XX/XX/2019, stating that in order to submit my identity theft claim, I must contact XXXX XXXX directly ; XXXX has updated the account as disputed and will comply with all laws in accordance with this claim. Myself or my attorney never heard from them since. I did not contact XXXX XXXX because it is my understanding that they close their account records once they send off an account to collections and would not work with me to fix this issue. I then received a collection notice from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/2019, for the same exact debt/account with XXXX XXXX. My attorney sent them a similar dispute letter on XX/XX/2019. USPS tracking shows that XXXX did receive the dispute letter. Myself nor my attorney has not received any further correspondence from XXXX. I then received another collection notice from Convergent dated XX/XX/2019, for the exact same XXXX XXXX account and debt amount, except now they added on a collection cost. Once again, my attorney sent a similar collection notice that this is not my debt/account, and that in fact I have never had a XXXX XXXX account. This letter is still in the process of shipping. It seems that this should be along the lines of harassment at this point in time. Once you dispute a debt with a collection agency, they should not be allowed to sell your debt off to a different collection agency and continue to harass you for a disputed debt. I believe that Oregon law, which is where I am a resident, has been violated. See ORS 646.639, which was recently amended to add additional language to ( 2 ) ( t ) as follows : ( 2 ) A debt collector engages in an unlawful collection practice if the debt collector, while collecting or attempting to collect a debt, does any of the following : ( t ) Collects or attempts to collect a debt if the debt collector is a debt buyer, or is acting on a debt buyer 's behalf, and collects or attempts to collect purchased debt before providing to a debtor, within 30 days after the date of the debtor 's request, all of the documents listed in subsection ( 4 ) ( b ) of this section. To me it seems that this interpreted to mean that a debt collector, once you dispute a debt, is required to send you the requested proof of the debt before they can engage another debt buyer to attempt to collect the same debt. Not only this, but ORS 646.639 ( 2 ) ( m ) ( n ) does not allow for additional fees to be added upon a debt, which is exactly what Convergent Outsourcing , Inc. has done with a " collection cost '' added to this debt.
Consumer complaint received 2021-10-14
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)

XXXX XXXX  has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!
Consumer complaint received 2020-05-17
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. (FL)

Due to the COVID-19 I have reached out to XXXX student loan service to ask whats options I had in a assistance with financial stress. I was given the option to place my loan in forbearance for 90 days, which I opted to do. The company did not let me know that they would be placing a note on each credit reporting agency under their debt the consumer has been affected by a natural disaster in which has dropped my score by about 20 points on each. I asked to have this removed to no avail due to the negative effect is has had on my credit score.
Consumer complaint received 2020-05-17
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. (MO)

The following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and XXXX data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXX  7 ) Dept of ED/ XXXX  {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX   {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX XXXX {$21000.00}
Consumer complaint received 2020-05-17
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. (MO)

The following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and Equifax data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXX  7 ) Dept of ED/ XXXX   {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX   {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX XXXX {$21000.00}
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I signed up for a promotional XXXX XXXX interest rate. On XX/XX/XXXX and XX/XX/XXXX, I received an email from the company : " Your XXXX XXXX introductory APR on purchases and balance transfers expires on XX/XX/XXXX ''. So, I paid off the whole balance on XX/XX/XXXX, to avoid the interest. However, the company still charged the interest. I tried to resolve the issue over the phone multiple times and tried to talk to the manager, but they told me that the promotional period actually expired on XX/XX/XXXX and that they were not able to reverse the interest. I think this is a misleading practice that the company is doing to intentionally make their customers accumulate interest. If I had known that my promotional period expires on XX/XX/XXXX, I would have paid it off earlier. It would be better if they didn't send anything at all, rather than that misleading information.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supposedly runs a collections agency. This collections agency is inaccurately reporting an account on my TransUnion credit report. I am unable to have this item removed from my reports since evidently as a lawyer who runs a collections agency they therefore are immune from liabilities simply may only " validate '' the information they provide to a credit bureau.
Consumer complaint received 2022-04-08
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. (MI)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX/XXXX/XXXX I ordered it and made a transaction by online using XXXX system with total price {$110.00} on my credit card. I have never problem to pay my bills, but in this case I did n't receive all my statements from XXXX XXXX - to XXXX XXXX I have no information about my bills to pay XXXX year. I do n't use American Express credit card at all XXXX XXXX system pick up my card automatically. ) so I did n't expect some bills. Anyway on XXXX XXXX I figured it out about my missing statements so I called American Express. We both of us by phone find out a situation about wrong address there XXXX it was missing apartment number on the bill ) what was n't my mistake. Suddenly I paid total price {$110.00} on XXXX XXXX, XXXX. I did n't change my address 17 years so I do n't know what happened. Now American Express ask me to pay all interest and penalty. I was on the phone a lot of time and I send a lot of letters -does n't work. The case was moved to debit collector. It 's not right I do n't want to pay for other people mistakes. American Express created this situation and now ask for money. I am a good customer who paid bills always on time. Except this case because I think American express find a easy way how got money for free. I do n't want to except that. 
Thank you very much
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AZ)

Out of the blue, XXXX sent me a bill for over {$400.00}, despite me having no business with XXXX for at least 6 months. 

I called XXXX and requested proof of debt. They responded by sending me another bill with late fees. 

I then sent them the first of four ( 4 ) CERTIFIED letters requesting proof or debt, itemized charges & copy of any agreement I signed. XXXX continued to send me bills with late fees but never responded nor sent me any proof of debt as required by law. 

After my 4th certified letter to them that was completely ignored, they sent my account to collections with IC systems. 

I called IC systems and requested proof of debt, itemized charges and a copy of any agreement I signed and they ignored me, just like XXXX. 

So at this point, both companies have violated the Fair Credit Reporting Act and have illegally sent my account to collections and damaged my credit. 

When I submit complaints with the credit reporting agency, they tell me that IC systems/Sprint confirmed the debt and they won't remove it from my credit report. 

However, they have refused and failed to confirm the debt with me. They have violated the FCRA and they are continuing to refuse to supply the information or remove the false claim from my report. 

At this point, they've had 6 different certified letters sent, to both XXXX and IC systems. They have blown me off for 2 years now and I demand this get removed. 

They completely failed to follow the FCRA and, as written in the act, the debt is invalid if they fail to comply with the FCRA and fail to provide me with the legally required information in a timely manner. 

I know nothing of this debt and at this point, both XXXX & IC systems have gone well past the timeframe legally spelled out in the FCRA, making this debt invalid.
Consumer complaint received 2023-03-23
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: MOHELA (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) MOHELA/Dept. of ED, XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

MOHELA/Dept. of ED : XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3300.00} ( XX/XX/XXXX ) XXXX. {$5000.00} ( XX/XX/XXXX ) XXXX. {$3100.00} ( XX/XX/XXXX ) XXXX. {$2500.00} ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. {$6800.00} ( XX/XX/XXXX ) XXXX. {$5100.00} ( XX/XX/XXXX ) XXXX. {$1200.00} ( XX/XX/XXXX ) XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3000.00} ( XX/XX/XXXX ) XXXX XXXX : XXXX. {$2800.00} ( XX/XX/XXXX ) XXXX XXXX XXXX : XXXX. {$1000.00} ( XX/XX/XXXX )
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I have attempted to make several, on-time payments for my student loans. They keep being sent back with an error unable to locate bank account. 

This occurred on XX/XX/23, XX/XX/23, XX/XX/23, and again with my payment in XXXX, although I see no track of that attempt anywhere ( another issue ). I contacted them about the issue. It took over a month to receive a reply and they simply said renter the information and try again. Obviously, I have. Multiple times. I even removed the saved information to just enter it every time and still have the same issue. Sometimes it goes through, sometimes it does not. I already contacted my bank and on the dates in question, they dont even see an attempt from XXXX to collect payment. After looking online, I have found there are multiple people experimenting the same issue. They do not take debit card as forms of payment. This is the only checking account I have to use and I use it for everything. XXXX is the only one who has an issue processing the payment. They keep berating me for non-payment, when Im attempting payments and sending messages about the issue. Obviously, I am trying to make payment. 

This will be affecting my credit and payment history. I am requesting for my student loans to be put on pause, interest to be put on pause until we can figure out why their system can not process payments adequately.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a Bank of America Rewards Card. I have had this card for more than 15 years and stopped using it regularly because of Bank of America 's frequent arbitrary credit limit decreases to right above the then existing balance. This unfair and deceptive business practice artificially makes it appear that I have charged the card up to my credit limit. This practice is intentional and causes my FICO score to drop. This has occurred three times during the time I have had the card with Bank of America. My credit limit has been {$5000.00} for several years. My payments are made on time and I have never been over the balance. My current balance is approximately {$2700.00}. In XXXX of XXXX, I received a notice that my credit limit has been again decreased to {$2800.00}. Just less that {$100.00} from my then exiting balance. They might as well have closed the card. More recently, on XX/XX/XXXX, Bank of America closed my Credit Card shortly after I paid off my balance. The card at the time had a {$2800.00} credit limit with zero balance and had never been late. This unfair and deceptive trade practice by Bank of America will cause my credit score to be artificially lowered because my credit profile will now show a credit card that has been " closed by grantor. '' B of A did this intentionally to harm my credit and punish me for filing previous regulatory complaints, and because of my Race-XXXX American.
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (IL)

( Creditor ) XXXX XXXX XXXX sent a bill to Enhanced Recovery Collections ( XXXX ) XXXX XXXX XXXX XXXX FL XXXX Phone Number - XXXX Sent to collection XX/XX/XXXX in the amount of {$1200.00} it is my intent to pay this bill and have it removed from my Credit Report but XXXX is saying they have no record of the bill and when I called the Enhanced Recovery Collection Co. the  phone 's voice mail is full and I'm unable to leave message. 
The service was opened on XX/XX/XXXX.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I went out of town on XX/XX/XXXX and i lost my card before I left town. My pin number was written on my debit card due to the fact of me having hard time remembering my pin numbers as I have a few. After getting back to town on XX/XX/2022, I realized there were unauthorized withdrawals from my checking account and I realized I do not have my card. After contacting US Bank to inform about what happened and filing a dispute, I was provided a claim number # XXXX. After waiting for weeks to hear back, my dispute was closed with absolutely no resolution. The reasoning given by US Bank was that since the pin number was used, the transactions were authorized. I have tried contacting US bank multiple times in regards to this issue after the decision, and I was finally able to get hold of someone who could provide me with more information. The representative said that they have reviewed the footage from the ATM machines and it matches my description. I have inquired about obtaining the copy of the videos or photos but they said they are not able to nor obligated to show me those and that it is used only for internal use. I have informed them that I was in XXXX XXXX and I have the proof for it but they were not interested.
Consumer complaint received 2021-10-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (VA)

I did a refinance with Movement Mortgage with an interest rate of % 2.875 and was told my payment would be {$760.00}. This was a 30 year fixed rate. For almost a year everything was fine. I then get a mortgage statement in XXXX that my XXXX payment was going to be {$970.00} per month because my escrow was was short {$1800.00}. I did not have that kind of money. so I asked would bring me back down to {$760.00} and was told I would not get back to that payment because I would still be behind on my escrow. I ended up paying {$2200.00} and a payment of {$800.00} per month. I have refinance 4 or 5 times previously and has never had a {$2200.00} shortfall. I am disabled and I get {$1500.00} per month and I felt that they trying to take my home of 34 years. All the company did was to tell me that I did not have to pay it all at once. they would spread it over 12 months which was a recipe for disaster because that is why I refinanced in the first place. After my husband died in 2016 I had to figure out how to make ends meet.
Consumer complaint received 2023-01-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XX/XX/2020, I received a letter by mail stating I owed a debt and that was an attempt to collect this debt. Healthcare revenue Recovery Group ( HRRG ) is the company stating I owe this debt. I will be sending a similar letter to the major credit bureaus as well. I have sent two letters to them and I have still not received a response from them and it will be a month from my dated letter, and I have not received a letter or response from either company. This is not fair as these companies are reporting these debts on my credit report, harming it without validating and proving this debt belongs to me. 


I have asked them to validate these letters. They do not provide the information I am asking of them. I have sent them a failure to validate that this debt belongs to me. I have attempted two times. One gives them 30 days and the second time gives them 15 days to gather their information as they are failing to validate this debt.