davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL (FL)

This paid debt was held by XXXX XXXX XXXX who sued on behalf of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX filed a Satisfaction of Judgement then sold the debt to XXXX XXXX, XXXX on or about XXXX. 

XXXX XXXX was supplied with a certified copy of the Satisfaction of Judgement and then sold the debt again to XXXX XXXX XXXX who has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX has called my cell phone through ( I believe the following numbers, as I no longer answer my phone due to fraudulent debt collection attempts ) XXXX XXXX XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX ( 3 ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( 2 ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  I've attempted to hire an attorney, I can not afford one nor will an attorney take the case and be paid upon completion because it is under 50 calls ( XXXX XXXX XXXX ). 

XXXX, XXXX, XXXX XXXX XXXX, XXXX has sent me a letter stating " As you know, XXXX XXXX XXXX, the current Creditor-Debt Purchaser, has purchased the account referenced above. A judgement was entered against you in this matter on XX/XX/XXXX. '' They fail to mention that the Satisfaction of Judgement has also been filed XX/XX/XXXX. If I were a " less sophisticated individual '' this would lead me to believe that I still owe this debt. 

What sucks is I can't afford to sue XXXX XXXX nor the current owner and law firm attempting to collect on a satisfied debt. Hopefully, at least you can do something about this ... I can't. 

I have also posted a copy of the Satisfaction on XXXX ( XXXX XXXX XXXX ) LinkedIn site and also on XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX clearly viewable on a public forum, in the same manner as was the custom in newspaper days. 

I'm not looking for legal advice, I couldn't afford to take it, but surely they can be fined or something for continuing to sell paid debts and trying to collect again on them.
Consumer complaint received 2020-01-28
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: Convergent Resources, Inc. (NY)

while looking on my credit monitoring site I noticed it was two accounts that do not belongs to me they are 1.convergent outsourcing in the amount of {$470.00} 2.XXXX XXXX   XXXX  in the amount of {$450.00}
Consumer complaint received 2018-02-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (MI)

TD Auto has flagged my credit as a charge off with a XXXX balance stating that I paid less than the original contract when I paid what they told me was owed. The dates for this account was XX/XX/2011. This company never noted the good payment history stating that I was just the co-signer, but always reports the negative payment history.
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NC)

Did not receive a written document explaining debt from XXXX. Was not notified in order to pay the debt. The account was closed and was not told there was a balance left and was not given the opportunity to settle the debt by phone or letter. 

Found out XX/XX/2017 from a collection agency. Once notified I called XXXX in XX/XX/2017 and asked to settle and pay the debt but was told the debt was already with the XXXX XXXX collection agency. I settled the debt with collections but now have the collection account still on my credit report. I need this removed as I was not given written document allowing me to settle the debt with XXXX. 

Please remove this collection account with XXXX XXXX. The original creditor is XXXX. 

Thank you
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I was approved for an unsecured personal loan from a lender I found online. At that time they were dba as XXXX A Division of XXXXXXXX XXXX but I think theyre now XXXXXXXX XXXX XXXX  The loan was {$5000.00} with repayment terms of 48 months. After receiving a confirmation email regarding my final payment, which I have recorded and documented, XXXX began harassing me about my unpaid overdue balance. Despite my best efforts to resolve the dispute by contacting them and providing them with a copy of the email I received from them as well as a screenshot from their, they continued to make negative inaccurate reports to all 3 major credit bureaus about the loan being late, and eventually written off. They turned me over to collection agencies, reported negative information about me and refused to accept the undeniable proof I was providing them that my loan was paid in full and on time. Im tired of trying to resolve this issue on my own and just want this negative information removed from my credit report. Please see my attached documentation, screenshot of the original email and information from the XXXX XXXX website which shows everything needed, including dates, account number, loan details, etc. Please review areas circled in red of my attachment for what I believe is proof that on XX/XX/XXXX the Principal Balance of my account XXXX was {$0.00}, next payment due date was reported as NA and Amount Due was {$0.00}. The loan originated on XX/XX/XXXX for 48 months ( 4 years ) and this email is dated XX/XX/XXXX which is almost exactly 4 years to the day of the original loan date!
Consumer complaint received 2021-12-01
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ORG GC GP BUYER, LLC ()

There is a 3rd party collection agency that has been harrassing me, saying I owed money to XXXX XXXX. I told them I did not owe this money about 15 times in the past 5 months and they reported it to the credit nureaus anyway, completely destroying my credit score. Now I have to jump through hoops and bend over backwards to show I do not owe money on an account I do not have. On top of that they are refusing to speak to me because they have my name spelled wrong and they are saying that it is not my account.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I scheduled a payment with my XXXX credit card to be withdrawn on XX/XX/2018 in the amount of XXXX.. 
XXXX went along and withdrew the money on the XX/XX/XXXX with no problems yet my bank did not remove it from my account till the XX/XX/XXXX. Now because it was days later I did not take into account that that was still an outstanding debt that needed to be taken care of and went overdrawn. 
It just seems like a malicious practice on fully intending in making the account go overdrawn
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO EXPERIAN. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX  THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY CAPITAL TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX  THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XXXX XXXX XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. XXXX IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY XXXXE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.
Consumer complaint received 2018-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (FL)

in XX/XX/XXXX my mortgage holder third federal savings and loan XXXX fl. misread a letter from my home insurance provider XXXX XXXX and thought my insurance had been cancelled. after going back and forth between bank and my insurance agent XXXX XXXX XXXX fl.i presumed it had been handled as we sent duplicates of all paperwork and checked addresses were correct.i went north on vacation the end of XX/XX/XXXX received no further communication from third federal savings and loan until i noticed in XX/XX/XXXX that they took an extra {$400.00} out for my mortgage payment i returned to bank and after numerous visits found out they had drained my escrow account first before they started taking it out of my checking acct. since i am not a expert on escrow accts the amount they took out is confusing to the best of my knowledge it is between {$2000.00} and {$2800.00}. i have gotten a letter from the insurance department of third federal savings and loan on XX/XX/XXXX admitting their mistake and telling me i will receive full reimbursement to date after numerous trips and talks to bank officials it seems i am being stonewalled they owe me thousands of dollars and are not keeping their promise to repay me please help thank-you
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

Hi,, Thank you for helping me. I have a relia debit card issued for the unemployment benefits this year from U.S. Bank. I had a bunch of fraudulent charges made to the card, around XXXX worth. I spent weeks trying to contact the bank and was unsuccessful. I finally got someone on the phone and submitted a dispute for each separate charge to the card, none of which are mine. About 8 to 10 weeks later I received a letter from them saying they found no error. The letter said I could request documents that they used to determine their decision. I wrote and requested these documents over 2 months ago and have never received anything. I have reached out numerous times by telephone and can not get anyone. These charges are fraudulent and they have done nothing to protect me or help me. I will fight this to every extent. Thank you XXXX XXXX
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

In my credit an account appeared in collection from XXXX and that is being charged by the agency SOUTHWEST CREDIT SYSTEMS ". 

I contacted the agency on XX/XX/2022, to find out about this " debt '' and the person who assisted me was not able to find an account with my name in the system, the person made several searches using my first and last name, my phone number and my personal address but was not able to find a collection account under my name. 

I asked this person for information on why there is a fake account under my name and they hung up the phone on me. I made several more calls and the person kept hanging up the phone.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I sent {$100.00} via XXXX for a golf club then was sent a fake tracking XXXX #. 

Ive contacted Bank of America several times and they havent even initiated a response or investigation in the past 11 business days. 

I have text messages, the persons bank information etc.
Consumer complaint received 2020-06-03
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. (GA)

I recently submitted an affidavit and disputes, I got a response ACCUSING me of using a credit repair company. I have NEVER used a credit repair company and I dont appreciate this accusation. I demand these fraudulent accounts be investigated and removed from my credit report. I demand a response within 10 days. I also demand these accounts be removed from my credit report in 30 days. If i dont have a response in a timely manner, I will be filing a complaint with the office of the Attorney General.
Consumer complaint received 2018-02-14
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: Experian Information Solutions Inc. (FL)

Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my Experian credit was pulled on XX/XX/XXXX and then again on XX/XX/XXXX. Please remove these two inquires being reported on Experian.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (LA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Caller : Portfolio Recovery is calling people that they have stolen personal info on and old Bankruptcy accounts older than 7 years and threatening people that they still owe the monies and they will ruin my credit they are a Debt collector and stealing my private info to do illegal stalking and harassment XXXX from XXXX IL- I also have about 1000+ calls form other offices and states and they have called 3 to 4 times a day to once a day for the last 10 yeas
Consumer complaint received 2021-12-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

Greetings, Bank XXXX : TIAA Bank I have 2 CD 's in TIAA bank, which matured on XX/XX/XXXX. I had 10 days as grace period from the maturity date to make changes, or close the CD as per the bank information. On XX/XX/XXXX, ( when I was on the last day of my grace period ) -- I called to close my CD. It being a holiday, the bank was closed so I was unable to speak with a bank representative. 

TIAA is an internet only bank allowing XXXX online access. So I decided to log in online and make changes to my CD 's there. I was told that to make changes, I would have to call the bank. 

So I called the bank next day morning. They told me that I was out of my grace period ; to which I responded that I did not get the full 10 day grace period, as XX/XX/XXXX was a holiday in addition to weekend which is Saturday and Sunday. So in short I had only 7 days of grace period instead of what they state as 10 days grace period. 

It would have still worked for me- if I was allowed to make changes after logging in online on the banks ' website. I could access the information. However could not make changes to my CD. So even from the online angle- I did not have 10 days of grace period that the bank claims. 

Finally I was told that they would work on waiving the penalty for early closure of CD. Though I do not think that is the correct terminology- it is me getting my full 10 days of grace period. I thought the matter is settled no matter how they classify it. Then on XX/XX/XXXX I was told that they can not waive my penalty for early closure of the 2 CD 's. 

I think this is totally unfair that I actually had only 7 days of grace period, and that I could not even make changes to my CD by online access. And they claim XXXX online access as it is an internet only bank. One of the reasons banking with them is because of online access. The bank is in XXXX and I live in XXXX. Based on the online accessibility ; I decided to bank with them. 

Solution I am asking for : To be allowed to close my two Cd 's and waiver of penalty for closing them as the online system not working is not my fault. 

Thank you for your help.
Consumer complaint received 2021-10-26
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. (IL)

I XXXX XXXX on XX/XX/21 sent a 609 letter to Equifax, XXXX, and XXXX regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.
Consumer complaint received 2020-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

In XXXX of XXXX, our loan was transferred to Penny Mac from XXXXXXXX XXXX XXXX  ( I loved XXXX and I miss them greatly ). Prior to transferring to Penny Mac we were on a bimonthly payment schedule. We were told we would be able to continue that with Penny Mac ( that was a lie ). When we switched over to Penny Mac one of our payments was credited as a principal reduction and not a payment so from XX/XX/XXXX through XX/XX/XXXX, we were in an argument with Penny Mac where we had to go back and forth to the point where I had to print out our entire bank account for 2 years to show them all of the payments. They finally credited the payments correctly. We were told we could do bimonthly payments, nope we could not because they said we missed it by not signing up on the XXXX of XXXX and the same in XXXX. So for XXXX and XXXX we sent them payments every 2 weeks. In XX/XX/XXXX particularly we sent 3 payments except one payment they credited to a principal reduction although we indicated it was a half payment. From XX/XX/XXXX until XX/XX/XXXX, we have tried to get Penny Mac to redistribute that money correctly. We stopped sending payments every 2 weeks, we now send 1 payment a month but during the time PennyMac was working to recredit our account, they sent us to collections, charged us late fees, and knocked our credit scores down by 100 POINTS! We were never late. They got both their XXXX and XXXX payments before the XXXX of the month! Here we are with {$110.00} in late fees ( which I'm not paying because it's their fault ) and my credit score sucks. I hate this mortgage company, I want to go back to XXXX and they won't let me. They keep saying I need to refinance but I never asked to be with Penny Mac. I hope everyone stays far away from their XXXX  company. And to find out one of their employees told me their system stopped crediting accounts properly when they got a new accounting system that they created on their own but didn't know their own blind spots and since going live they have been back dated with thousands of accounts!
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

My name is XXXX XXXX and I am submitting this complaint without the influence of any third party. Convergent Outsourcing has continuously ignored my complaints regarding an alleged debt that is currently being reported on my consumer report. I have been challenging this account for the last several months and nothing has been done. This account is erroneous and not accurate which is a violation of federal law which supersedes all organizational policies. It is to my knowledge and is even reported on the CFPB 's website that credit reporting is NOT mandatory. 15 USC 1681B ( 2 ) Permissible purposes of the consumer report state that a consumer report should be " In accordance with the written instructions of the consumer to whom it relates. '' As the consumer, I have advised CONVERGENT OUTSOURCING that this account is not mine and I also advised to discontinue communicating with me through all mediums. A credit report is a form of communication. 15 USC 1681a ( 2B ) states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is EXCLUDED from the consumer report. Therefore, even if this debt was indeed mine federal law excludes extensions of credit that originated from the issuer of a credit card. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. CONGRESS states ANY card. The credit card would be my social security card. I am demanding to have this account removed immediately.
Consumer complaint received 2020-01-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

I was prequalified for a Mortgage by Quicken loans via Rocket Mortgage who engaged in deceptive business practices upon issuing an adverse decision against me after I was prequalified for a Mortgage. It is my good faith belief that the Lender violated RESPA, because I conveyed that had not yet found a Real Estate Agent who was a good fit. An Agent name XXXX XXXX was asked by XXXX to show me a property. XXXX lied and said that the property was under contract, with the intent to force me to look in XXXX County, ( A property where she probably has a location to sale ). However, I had my own living preference for work/lifestyle. So because I was taking my time and being careful with whom I selected as an Agent. The company sent me an adverse letter with the intent to discriminate against me upon taking action against my prequalification in violation of The Fair Housing Act ( FHA ) and the Equal Credit Opportunity Act ( ECOA ) protect consumers by prohibiting unfair and discriminatory practices ; and RESPA.