davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (UT)

A fraudlent phone account and two phones were purchased through XXXX XXXX. I was notified this when I received a bill for this ( I had a XXXX account years ago with different numbers, but I have been with XXXX for the last 4+ years ). 

I spent hours on the phone and online with a multitude of XXXX XXXX departments, the XXXX XXXX Police Department, and the three credit bureaus. My credit was frozen ( at my request ) and I was assured by XXXX that this was a fraudulent account and things were settled. Luckily my credit was frozen as an attempt was made to open a fraudulent phone account with XXXX. 

Today I received a collection notice from Convergent collection agency. I have disputed this account and provided copies of the erroneous bill as well as the police report. I am unable to reach Convergent as it is a weekend. Unfortunately, I will be out of the country XXXX and so will not be able to contact them before I leave. 

My credit score has been stellar and I hate to see this be erased. I also am unsure what else I can do on my end to prevent further action on this fraudulent matter involving identity theft.
Consumer complaint received 2020-12-30
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mountain Run Solutions, LLC (MO)

COMMUNICATION WE HAVE HAD WITH/TO MOUNTAIN RUN SOLUTIONS , LLC I am trying to find out a date of first delinquency on my account that is with you, can you provide that to me? Original business was Vivint security. 

Thank you XXXX XXXX XXXX XXXX __________________________________ 1ST EMAIL RESPONSE FROM AGENCY ANSWERING ABOVE EMAIL : Install date : XX/XX/XXXX Cancel date : XX/XX/XXXX XXXX has recalled this account. 


Thanks, Mountain Run Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX _____________________________________________ OUR REPLY TO THIS EMAIL ABOVE : URGENT URGENT URGENT URGENT URGENT What does this mean? 

XXXX, XXXX XXXX ) ( XXXX ) Are you deleting this account with credit bureaus? Or making a XXXX balance? PLEASE ADVISE ASAP! 

XXXX XXXX XXXX XXXX XXXX URGENT URGENT URGENT URGENT XXXX, Are you deleting this account with credit bureaus? Or making a ZERO balance? Please let me know so I can decide what direction to take with our complaint. 

For recollection, you stated XXXX recalled our account with your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX EMAIL DATES AND TIMES I HAVE SENT ASKING FOR AN ANSWER XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I was doubled charged on my debit card for a purchase I made 15 days prior which I paid in full, I've already had overdraft fees and charges refused on my account from auto-pay accounts that I have. This is a problem that the company has been aware of and has taken no steps to protect their customers.
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (SC)

Ive also contacted XXXX, XXXX XXXX and Experian regarding unauthorized inquiries due to identity theft. I have reporting documents, stating these facts all financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX, XXXX and etc. are all on authorized inquiries ive also called and sending information regarding updating my personal information and no respond back.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (NM)

An account was opened with my information through Navy Federal Credit Union on XX/XX/XXXX ( over 7 years ago ) and the account was closed on XX/XX/XXXX. I have received a phone call regarding this account. 

I have verified through my states Attorney General that the Statute of Limitations of 4 years for enforcing open-ended loans ( including credit card accounts ) through the courts in the state of New Mexico has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. 

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law.
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

I provided a digital service to another person in exchange for {$80.00}. I had been doing so for a number of months. ( years? ) the individual was unhappy that would not be providing the service. Therefore the individual filed a complaint with Paypal, even though they had no issue with the service already received and paid for. The individual made no claim that there was any issue with the service. 

Paypal refunded the individual simply because they asked. Paypal did not perform due diligence or act in good faith by refunding the individual.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (TX)

In XXXX of 2021 my account trading was disabled in Binance.US. They said I had to pay back a charge. I did pay it back. Many tickets and emails have been exchanged and promises to reactivate my account so I can withdraw my finances from my Binance.US account. Still account has not been activated and my finances are still inside my account. Binance.US. Has not activated my account so I can withdraw my finances.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX XXXX I sent a copy of my drivers license, social security and utility bille requesting old names and addresses be removed. sent certified mail. 
DID NOT HAPPEN. 

On XX/XX/2022 sent another letter certified mail. Notarized copy of license again, social security and utility bill. Letter received today XXXX XXXX. 
Will not remove old names and addresses from my credit report.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Harbor Legal Group, LLC (MD)

My debts totaled a bit over {$110000.00} when I entered the program XX/XX/XXXX. The lure of the company ( Harbor Legal Group, or HLG ) was that their program could save me 50 % or more of my debt load. My responsibility was to make regular monthly payments of an amount they calculated, which would pay off my debts at the end of 52 months ( the programs duration ). The 52 monthly paymentspaid without fail month after monthtotaled {$73000.00}. BUT, this {$73000.00} only paid 19 debts that totaled about{$84000.00}, which is about 87 % ( not 50 % ) of those 19 debts and has left me with 8 unpaid debts that total  {$33000.00}! The regaining of a decent credit status I was assured the program would bring me at its completion is unrealized and my credit score is as bad as or worse than at its inception.

I had a total of 27* creditors when I entered the program. The {$73000.00} I paid has settled 19 debts. Eight debts ( almost a third of the total ) have not been settled ; these eight creditors comprise my remaining indebtedness of {$33000.00}. *Another creditor ( a 28th ) seized money from my bank account to settle my debt with them in full before agreeing to a settlement via HLG. 

My monthly payments were taken automatically from a personal bank account beginning XX/XX/XXXX. Of the {$73000.00} I paid into the program over 52 months, {$49000.00} went to my creditors. This means that the company itself ( HLG ) netted about {$24000.00} while leaving me with {$33000.00} in unpaid debts. 

In a phone conversation XX/XX/XXXX with an HLG representative, I was assured that negotiations would be continuing with the remaining eight creditors and the money I had paid into the program ( {$73000.00} ) would cover those 8 remaining debts. HLG had informed me that they have recordings of all calls on file, so this can be readily verified ( assuming the recording is not edited or erased ). However, in subsequent conversations with HLG representatives this past XXXX, XXXX, I was told that these 8 debts that total {$33000.00} were not covered by what I paid into the program and was therefore my remaining burden. The HLG rep. of XX/XX/XXXX had given me misinformation.
Consumer complaint received 2022-05-01
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: Bread Financial Holdings, Inc. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXXccount # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the 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 and purpose.
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

Jefferson Capital has violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2022-05-01
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. (NY)

Experian reporting invalid account information on my Credit report. Multiple attempts was made to validate the account but has failed to produce the documentation. When disputed the incorrect reporting via credit bureau, I get credit report from the company and no investigation being conducted. The XXXX Bank XXXX is being reported as Derogatory and late payment. 


XXXX XXXX
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The XXXX accounts on my credit report are wrong and I was not able to pay these accounts. I have attached proof on complaints I have filed with other agencies trying to get help on being able to pay accounts online. When I call in, it takes almost 45 minutes just to make an payment by credit card. I still don't get any billing from XXXX. 


They repossessed an ATV without providing any communication or billing sent to me. They also contacted my father and made treats to him about my accounts and told him my account information. 

I have also attached emails from the person who contacted me that is not with bank. He also contacted my father and provided information about my account which is against the law. I received obsessive amount of phone calls from this guy while at work. 

Below is accounts on credit report. 

XXXX XXXX Last reported XX/XX/2019 {$1600.00} Reported balance Highest balance {$1600.00} XXXX XXXX Last reported XX/XX/2019 {$3200.00} Reported balance Highest balance {$10000.00}
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX last year there were some hurricanes that affected several states including ours. We were contact by XXXX offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to XXXX. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/2018 ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period XXXX wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.
Consumer complaint received 2022-05-01
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. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC (MI)

On XX/XX/XXXX a letter was sent to XXXX XXXX asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons the last week on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. 

In the Summons, COUNT I, 10. Statement : " That Defendant 's payments and/or failure to successfully question the state of the account within a reasonable amount of time constitutes an admission of correctness '' is a Violation of Fair Debt Collection Practices ACT. The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.

Exhibits : **Not Identified Specifically as Exhibits** ( 1 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX, does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 2 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing.

( 3 ) The Affidavit attached appears to be signed by the Custodian of Records, for XXXX XXXX XXXX XXXX and notarized by another employee of the company on XX/XX/XXXX, is misleading. The notarial act [ " Subscribed and sworn to before me on XX/XX/XXXX of XXXX '' ] is missing several items of TRADITIONAL information, which is " required by law '' per the Handbook for Virginia Notaries Public. With this missing information the signature of the Custodian of Records and date on The Affidavit attached, is not verifiable evidence.

By filing this Summons, Weber & Olcese, P.L.C. has violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff XXXX XXXX has.
Consumer complaint received 2018-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: United PanAm Financial Corp. (AZ)

Truck was picked up for voluntarily on XX/XX/2017. This still has not reflected on my credit and is still accruing fee 's, etc. This needs to be updated as a closed account effective XX/XX/2017.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

In the summer of XXXX, I called PennyMac because I was interested in accelerating my mortgage loan and I was looking to refi my mortgage as the rates had dropped. Because it is a condo, PennyMac opted not to help me. Fine, then I decided to make extra payments greater than my monthly payment owed. Which was at the time was approx {$1300.00} per month. Now with the increase of taxes, that amount changed to {$1400.00} per month. So I started the bi-monthly payment and told the Pennymac rep that. In XX/XX/XXXX/XX/XX/XXXX, I became ill with a XXXX XXXX. The consequences of that illness was the 100 % loss of my hearing. By XX/XX/XXXX, my hearing loss was complete and irreversible. I was under the care of XXXX XXXX, the recommendation was to get cochlear implantation. I had XXXX the week of XXXX. I was home recuperating when I realized that my mortgage payment needed to go out. I made the payment late for XXXX. 
PennyMac began the process of foreclosure. I wrote to PennyMac on XX/XX/XXXX. No response from them at all. I wrote again on XX/XX/XXXX, no response from PennyMac. Nothing. I received certified mail that PennyMac intends to foreclose. Why? PennyMac has received the funds owed them. 
PennyMac has no trouble sending mail out for foreclosure but their reps can't read messages left on their website? Why is that? They can't work with their clientele? Why is that? I can't get a refi, I can't get a hold of them, I can't communicate with them over the phone anymore. I could mail a letter, but USPS has been atrocious. The quickest way is to send a message via online. Yet, no response. 
PennyMac Loans has discriminated against me. They have ignored me, they have bullied me, and harassed me with their foreclosure processes. This is totally unnecessary and nasty. 
I want PennyMac to send in corrections to all the credit report agencies, I want PennyMac to remove all foreclosure processes from my record, and I want PennyMac to issue an written apology to me for poor leadership. 
I am asking you to represent me to PennyMac Loans since I can no longer hear. It would be nice for someone to stand up to rude large organizations. Thank you.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NC)

GM FINANCIAL is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. GM FINANCIAL is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! 

I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from GM FINANCIAL or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

XXXXXX/XX/XXXXAccount numberXXXX  {$1000.00} XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...
Consumer complaint received 2022-04-30
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Account name XXXX  XXXX  XXXX Account number XXXX Original creditor XXXX XXXX