davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (WA)

I called Convergent Outsourcing INC ( XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to 4 different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was XXXX ( XXXX, FLXXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NY)

Today XX/XX/XXXX I was reviewing my Amazon card transactions and noticed that every month I have been charged seemingly random amounts for " card security. '' I called and the customer service rep said it was an insurance program. I NEVER agreed to or signed up for this. She agreed to refund the last three charges, but I am concerned that there are more charges that I can not see as my transaction history available on their portal does not go past XX/XX/XXXX. The charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX is as far as the website provides for transaction history.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CO)

1st issue -- Their website 's is impossible to log into. I believe this is intentional. 
I have done everything asked of me -- over and over again. 
2nd issue- I sent a XXXX check at the beginning of XXXX 2016 for an appraisal ( needed to get rid of my pmi ) No response from Seterus 3rd issue-I would like to know if a lien was dismissed when I filed for bankruptcy several years ago.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX . In XXXX, Florida, for over 15 years, with my Spouse, who passed away, and there began my struggle to keep my home with the reduced income, since I was only a part-time XXXX Instructor. At the time EMCserviced the Mortgage, and I had a difficult time trying to do a loan workout with them. Suddenly XXXX XXXX, took over and quickly sold the Mortgage to the current Servicer, SPS. I reached out to SPS and it took almost a year before I began receiving correspondence from SPS. I have submitted Loan Packages over and over, only to be told they never received any of them. Now I have an experience Third-Party who have managed to get a response from SPS, However, my dilemma worsen when my home caught on fire, and the Insurance Company moved me into a rented Apartment. This house was determined by the Fire Inspector, and the City Inspector to be inhabitable. The Adjuster, have determined that it will take {$100000.00} to restore the home to standard. They have sent the first Check in the amount of {$67000.00} as the first installment to get started. The Contractors are ready, but SPS IS HOLDING THE CHECK because they are not sure they want to rebuild it because I am in default. Meanwhile, the Insurance Company will only extend the time until XX/XX/XXXX. to remain in the rented Apartment. SPS, will not make a determination on the Request for a Loan Modification. I want to remain in my home, because of the memories and the incompetence of XXXX, and XXXX XXXX cavalier attitude, I am stuck with TIME RUNNING OUT, AND I WILL BE HOMELESS!!
Consumer complaint received 2020-07-10
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide. Based on their lack of response in the time frame allotted and lack of investigation results they have not abide by the laws.
Consumer complaint received 2017-01-23
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Incomm Holdings Inc. (CT)

Hello, I purchased a XXXX Prepaid Visa debit card at XXXX on XXXX XXXX, 2016. Then I paid for a value of {$500.00} to be entered into this same card - payment was not w/ another credit card or a cheque but w/ cash. The XXXX clerk who sold me the card, said my card was activated as she handed me my receipt & the receipt also states that the card was activated. 

However, I think less than an hour after buying this card, I tried to use it - but the card did n't work. Seeing that my card did n't work, I went to XXXX to get my money refunded, only to learn that they would instruct me to call a toll free # XXXX. When I called to get a refund, I was told ( I think this was less than 2 hours after I bought the card ) I would have to scan & then send a copy of : the purchase receipt for the card, a copy of a utility bill w/ my name on it, my passport, a letter stating I want a refund, as well as front & back pictures of said card to I believe their Fraud Department, which I would eventually do, exclusive to the copy of the utility bill. Further, I was informed it would take at least 1 month for my refund cheque to be sent to me ... that 's it would take 1 month to get my money back from a simple cash transaction & I would still be getting a cheque at that. 

I 've sent this company all the required scanned copies of what they 've requested, except a copy of a utility bill w/ my name on it because I do n't have XXXX. I 've been in contact w/ this business via their toll free number & XXXXXXXXXXXX but The last email I received from them was XXXX XXXX, 2016. 

My case number for this matter that the firm assigned to me is XXXX & an earlier number they gave me is XXXX. 

I 've been directed to these websites : XXXX XXXX : XXXX? XXXX The reason I 'm contacting your office is twofold : I would like a complete refund for this card which I 've never used to make a purchase - which has never worked - that still has {$500.00} credited to it. Furthermore, I 'd like to file a consumer complaint against this company as well as XXXX, as they provided me no warning for the possible pitfalls in purchasing this debit card. 

I 've now waited more than 4 months trying to get a refund, spending hours writing emails, paid money making phone calls contacting them, etc. Given that this is a matter of an ordinary cash transaction, this has become quite simply - the most disgusting experience I 've ever had w/ a company as a consumer in my entire life, anywhere in the world. 

Could you assist me? 

Regards, XXXX XXXX
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

I had a fraudulent charge made at XXXX on XX/XX/XXXX at a XXXX. I was home with my card when the purchase was made. I called the XXXX and they told me a man was using a physical card that was flagged as fraudulent on the first swipe. The 2nd swipe manually over rode the flag. I filed a police report, turned my card off and filed a dispute. I sent chime XXXX XXXX Bank ) my location for the entire day from XXXX ( timeline/map ) showing I was home from XXXX to XXXX, footage of me at my house at the time of purchase, and the police report. They still are refusing to refund my money, claiming I " did not provide enough proof '' and that they had found it was not an error. Even though, I had proven I was home all day long and had not given whoever this person was my card or information. I have filed 4 rebuttles and they still will not return my money.
Consumer complaint received 2017-02-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Friday XX/XX/2017 we received a check from Bank of America for the sum of {$640.00} for overpayment on a home equity line of credit which was paid off when the sale of our property completed on XX/XX/2017. This account was on autopay from our checking account so the bank took the extra money rather than us sending it. Although the check we received was dated XX/XX/2017 the envelope we received it in was post marked XX/XX/2017. This means that not only did the bank overcharge us {$640.00} they also held our money for no good reason for at least two weeks without payment of any interest. This is an unacceptable abuse of a customer.
Consumer complaint received 2022-02-08
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: Eastern Account Systems of Connecticut, Inc. (CT)

Please note XXXX XXXX are reportinga fraud account onmy credit. I ddint open this account, nor did I authorize anyone to utilize my information in order to open it on my behalf. Upon contatcing XXXX  I informed them that the account is fraud, and I was informed that the account will be removed upon payment. I chose to make a payment instead of filing a police report for the sake of time. However, this account WASNT DELETED from my credit ... hence i have filed an FTC report which is attached below.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

THIS IS RIDICULOUS. I HAVE ALREADY SENT A LAWFUL NOTICE TO THESE PEOPLE AND NOW I HAVE SENT ANOTHER XXXX ABOUT READY TO TAKE LEGAL ACTION ON THAT COMPANY. THEY ARE STILL CONTACTING ME AND STILL REPORTING ON MY CREDIT
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Theres a creditor added to my credit XXXX and I dont recall having this account open t I had no loans other than my school loans. I believe someone else is using my information. I had not open any loans other than my school loans. Please get this resolve. I also have debts that are over 7 years that are still in my credit.
Consumer complaint received 2016-02-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (ID)

Asset Acceptnce, LLC has re-aged the debt on several accounts they hold in my name. They are reporting in accurate earliest delinquency information to the credit agencies.I have sent letters to them to verify the debt and to send me confirmation of the first delinquency date. They failed to do that and sent me only a letter saying they will note my account as disputed. Each of the debts they hold was first delinquent in 2009. They are all scheduled to fall off my credit files this year after the 71/2 time frame elapses. The re-aging of debt is illegal and Asset Acceptance , LLC is doing this to purposely scar my credit beyond the 7/12 year limit. The accounts as of now that I am referring are : XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2015-06-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (DC)

My students loans are with XXXX. 
I attendedXXXX XXXX University. 
This company is not friendly, and I pay monthly butmy loans continue to go updue to the interest rate. 
They do not have anysolutions to help meand my situation.
Consumer complaint received 2017-02-13
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TD BANK US HOLDING COMPANY (MO)

I have a judgement from XXXX for a vehicle purchased for XXXX thru Chrysler Credit from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been diagnosed with XXXX called XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, Chrysler does not even have a record or account with my name on record anywhere.
Consumer complaint received 2017-02-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TN)

Convergent Outsourcing sent me a letter stating I owe for a XXXX account without any dates or information that helps identify the debt. I has a so-called Original Account number on it, but when I called XXXX they had no idea what the account number Convergent provided goes with. I have not been getting any letters from XXXX nor have I had an account with them for about seven years. I had some issues with them at one point but I paid that account off in full and any outstanding checks from it as well. This is not a valid debt and I believe Convergent is in the habit of " farming '' old debt records in the hopes of fooling people and getting money from them.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied International Credit Corp., (US) (MD)

XXXX XXXX changed their billing system in XXXX, 2016. Therefore, they were late in getting bills in the mail. When I received mine, I verified the balance and paid it. They turned me ( and everyone else ( who was " late '' ) over to Allied XXXX for collections action. I received a collections letter from Allied, stating I had a {$0.00} balance. They did not do their due diligence when accepting this matter from XXXX XXXX, nor did they before they sent the collections letter out. Also, they lied in their letter saying that they had attempted to contact me about the debt. Since I had no debt, the letter they sent to me is harassment.
Consumer complaint received 2016-03-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX XXXX contacted me to collect a debt in a letter dated XXXX XXXX. I responded with an official letter to validate the debt and dispute the claim. Also asked that no further contact be made. There was no debt validation ever sent to me. Now on XXXX XXXX XXXX year later they sent me another letter with the same debt collection attempt, thus violating the FDCPA
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

XX/XX/XXXX my deposit was in my account for XXXX Ive talked to several of chime representatives I was told to send emails and also verify my my self with my photos Ive been calling about my money and keep getting the same response as to send them emails and that they cant verify me I answered they security question on my phone with them every time I call name number email last 5 settled transactions and my social security number still no response and no answers to to why Im not able to log in my chime app and as to where my money I was told that there was 3 transactions that I have no clue where it came from told them to stop payment and close my account they refuse to i keep recieving emails from chime saying my number has been updated also my number and name they giving me some fraudaulant email to use just to log in my chime app with somebody elses name email and they number and wants me to take a selfie of myself and my id to got them to verify myself with this person email and phone number
Consumer complaint received 2016-10-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service (CA)

My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TN)

I get numerous calls per day from midland credit management. No one will be on the call. If I make a payment they do not update the due date and continue the calls. I am receiving hundreds of phone calls a month I will n glad to provide cell phone records to detail the extent of the harassment
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (MI)

These can be combined 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 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In the past year I have submitted 3 disputes to XXXX XXXX. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and XXXX XXXX denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.