davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

I had 19 weeks of unemployment deposited on to a way2go card which I believe is from conduent, it's the default payment method for recipients who don't have direct deposit, I recieved notification that payments were made and I'd recieved my card in 5-7 days, waited 7 days and never recieved it so I called the company and they charged me 15 bucks to cancel the original one and to sent me another through Ups with a tracking number, finally recieved it and had a XXXX dollar balance, tried to use card and it worked for several transactions then started denying all my transactions, I called they said it would be fixed in 24 hours, waited 24 hours then went to store to try again this time it worked for a little while then started denying all my transactions again, so I called them again and this time they said it would be fixed in 48 hours and wouldn't have any more trouble, Well 48 hours later I decided to call before I went to town and they told me this time that I'd ha e to send in proof of my identity, Id or social security card and birth certificate, well I don't have an ID at the time just some copies of my old one I'd used for other places, I sent them everything I had, they emailed me back and said it was accepted and sorry for any inconvenince it caused for me to call a XXXX number, I called and they said that the email was wrong and my Id hadn't been accepted, I started trying to borrow the money to go renew my I'd, well two weeks later I finally get my ID and send it to them and now they say they need my SS card and birth certificate front and back, I don't feel right sending them every bit of my identity when their website says they will never ask for my SS number via email which is exactly what the emails tell me to include, now there {$7300.00} on my card from the unemployment office that the payments company will not give to me, they always find something else or they say they didn't say one thing or another, I have the emails from them and have done everything they asked me to! They are the frauds I really do believe there's something wrong with the company! My power has been shut off and rents past due about to be kicked out and have no where to stay! I've already switched weekly payments to direct deposit and if I'd had done that before the payment for my backpack were made I wouldn't be suffering like I am now! Crazy how this company just keeps adding to the stress and pain in my life especially at a time like this!
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

The original company that owned this debt was XXXX XXXX. 
I had a balance on the card and ran into financially issues and had to put the payments aside for a few months but the delinquency never populated onto my credit report. I thought that was odd. I had to call XXXX XXXX one day to see if I could work out a payment plan with them, They asked my information they said the information they had did not match what I was giving them. I told them the original card was placed in my name and my name only, XXXX XXXX said their was another name and address attached to this card. I told them if they can not tell me whom the other person was I would not take responsibility for the card. They told me they saw my name but another person was showing as the primary. I was not married and did not have children old enough. So I had no idea who the primary authorized user was that was placed on my card, and what they had charged on my card. After speaking with several people the management returned my call and informed me that they found me to be the original card holder and they were not sure how the other authorized user could have been added to my account without my permission. They said they would delete the other user. I specifically told them NOT TO DELETE the other user. I asked them to make notes on my account stating what had occurred they agreed to do so but would not discredit the balance. I told them that I refuse to pay for this debt years that Is not all of mine. My account was altered without my permission allowing another user to have access to my account and use my card. I discontinued payments on the card and fought the company several times telling them I refuse to be responsible for the entire debt they were telling me I now owed. After not seeing the credit card on my credit report for years the delinquency began to population there. Years passed and the SOL was in effect so I could no longer be sued, I thought all was done, until A company called me out of the blue stating they bought the debt. I explained the story to them and they agreed that they did not want to deal with it. It went back to XXXX XXXX, and Portfolio Recovery bought the debt from XXXX XXXX .They call me all day long, send me letters. I have responded through credit reporting companies stating the debt is not mine. They respond back by sending my the credit card statements. They have not sent me any of the XXXX XXXX notes that I asked by documented nor the recordings of the multiple phone calls that took place this is not expectable. They have told me I could not be sued but have issued a derogatory mark on my credit report. It is seriously effecting my credit and I would like to refinance my house. Other than hiring a lawyer I am not sure how else to handle this company and make them remove the derogatory mark.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

XXXX is trying to collect an old debt not owed. XXXX charged me for an extra month of television service that I did not receive. I had already cancelled the account where I was an excellent customer for two decades with XXXX and its predecessor XXXX XXXX. The amount involved is {$100.00}. XXXX is reporting this amount to XXXX and XXXX  keeps reporting it on my credit report and neither XXXX nor XXXX  will listen to me and remove it. I am over XXXX years old and though this may seem a small amount to some, it is a large amount to a senior on a fixed income. XXXX has been abusive to me in phone calls and has been extremely abusive when I have talked to XXXX 's corporate office located in XXXX. I am also a victim of the XXXX Data Breach so you would think XXXX would be responsive to false reports on my XXXX Credit Report, but they are not. Both firms think because I am a little old lady I don't count and their employees can be abusive and push me around because they work for large firms and are not accountable to anyone. This money is NOT OWED, and THIS DISPUTE IS OVER SEVEN YEARS OLD, but every time XXXX sells this account to yet another collection agency, XXXX reports a much later date for this false debt. Now it is being reported as just having been incurred in XX/XX/2019, when in fact goes back over 7 calendar years ago! XXXX, please remove this false debt from all three credit bureau reports. XX/XX/XXXX and XX/XX/XXXX have already removed it, but XX/XX/XXXX continues to torture me and refuses to remove it. I have talked to lawyers who are ready to sue XX/XX/XXXX and also XXXX in a class action suit over this with many other plaintiffs involved, not just me. I want this XXXX collection account immediately removed from my credit reports from XX/XX/XXXX, the only credit bureau still reporting this false information. Thank you to the Federal Government for your help with this! It seems as if you are the only one who cares about the little people. PS Both XX/XX/XXXX and XX/XX/XXXX have already investigated this and removed it from my credit report, while XX/XX/XXXX where I am a victim of their data breach, refuses to remove it.
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

Back on XX/XX/2019, I sent to CMRE Financial Services a demand for validation letter for the following accounts : 1 ) CMRE FINAN SERV XXXX Balance : {$300.00} ; 2 ) CMRE FINAN SERV XXXX  Balance {$300.00}. As of today they have failed to provide me with the proof I have lawfully requested. 

I am requesting your help so this company stop reporting these invalids items to the credit report agencies. Ive done everything in my hands but Ive been ignored. These accounts being reported to the credit bureaus without sending me a validation for the debt is a violation under the FCRA.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NC)

I received a letter on XX/XX/22 from Receivables Performance Management regarding a XXXX XXXX account for {$3900.00} that does not belong to me or my company. I do not know who opened this account but the RPM rep informed me the account was opened on XX/XX/22 and closed on XX/XX/22. Please remove this collection from my company, XXXX XXXX XXXX business credit report.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

The below credit check happened on my account but I did not ever contact this bank nor did i apply for a care credit. 

I contacted the bank and they couldn't find application under my name and social Date on report : XX/XX/2019 Institution Information Syncb XXXX, FL XXXX
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

For many years Bank of America serviced my home mortgage. XXXX XXXX  XXXX took over. XXXX told me that I have been 1 month late since because I missed a payment at the end of XXXX. I looked at my records and it showed I had made the payment. XXXX sent me a " loan history '' to review. I noticed that on XX/XX/XXXX my payment went to " unapplied payment ''. I paid the payment but it was not applied to the correct account. Ater a year of going back and forth with XXXX they told me to talk to Bank of America because they are the ones that made the mistake. I did just that and a representative called me and could not explain what happened. I ask them to remove the " excessive late payment '' on my credit report because it has destroyed my credit rating. It shows I have been 1 month late since XX/XX/XXXX. Bank of America never mentioned this to me. My loan history shows I have made every payment since XX/XX/XXXX. I hired an attorney to rectify this. BoA has not responded to any emails he has written. I've made every payment with a 99 % on time rating since XXXX. I need your help to resolve this.Thank You
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

My name is XXXX XXXX XXXX and aim a XXXX. I moved from XXXX XXXX  to XXXX  in the early XX/XX/XXXX. Later that year, i meet a guy by the name of XXXX XXXX. XXXX was a inspiring XXXX that wanted to get into the music industry. He's been rapping at an early age. When i meet him he was about XXXX. He mentioned that he knows the music industry very well and have major connect with big names in XXXX. He mentioned, he has two music promotion companies, beside just rapping. His promotion company promote artist work, which the artist pay for. He mentioned that, i should invested money in his talent and that we can take it to XXXX to get a major record deal. The music industry was something that i was passionate about, since i was young. The idea felt interesting. We later flew to XXXX  and he introduced me to one of his major connect in XXXX name XXXX XXXX. XXXX mentioned that he's a major player in the music industry. XXXX showed me pictures and videos of him and every artist that you can think of. I seen him with pictures with XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX . I believed him. He mentioned that he can develop XXXX to a major artist and get him sign to XXXX XXXX XXXX for {>= $1,000,000}. He mentioned he can develop XXXX and another artist name XXXX XXXX to major artist caliber and get them sign for {>= $1,000,000}. A few months on another trip to XXXX, XXXX brought us to meet XXXX XXXX at XXXX XXXX XXXX office. XXXX was the XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, confirm to what XXXX was telling me. XXXX and XXXX mentioned i had to invest {$150000.00} to develop these two artist. They mentioned each XXXX will cost {$75000.00} each to develop. A few months, i agree to make the deal. I gave XXXX and XXXX access to my business account. The access was for up to {$150000.00}. These guys went swimming in my hard earn money. They went to exclusive star studded parties, driving around foreign cars, eating at the finest restaurant, wearing clothes and jewelry brand, i can't even pronounce. They scam me out of over {>= $1,000,000} from XXXX. The worst part is clowning me and torturing my family and i. I'm left with nothing. I lost my business, house and wife.
Consumer complaint received 2017-04-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

On XX/XX/2017 I submitted a complaint to your office pertaining to a problem we had with Ocwen our loan servicer. Ocwen responded that they were not at fault. and I could either bring the loan current or apply for a loan modification. I submitted a complaint to the Attorney Generals office on XX/XX/2017 about this same problem. I received the same response. I applied for the loan modification on by XX/XX/2017. I 'm still waiting to here back from Ocwen. While awaiting a response from Ocwen I recently received a notice of default letter from the XXXX company. I 'm confused can two companies on my loan I 'm concerned that Ocwen may have sold our loan to this new loan companywhile we were waiting for a response back from XXXX the complaint process. Is this process legal? Can Ocwen proceed and we are requesting that Ocwen provide the original loan documents to your office under the public disclosure act. I urge your office do review the loan amounts and fees that have increased. I 'm requesting urgent response to this matter as do to the notice of default letter I have a short period of time before a sale of our property may occur. As a Veteran who has served this country I find this type of lending practices to be deplorable!
Consumer complaint received 2022-04-27
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. (NY)

I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX CARD SERVICES. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted.
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I disputed the false items from my credit report, and they did not send me physical proof which is break the law per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. I requested for this to be removed from my report and block it per section 605B of the Fair Credit Reporting Act. I provided documents to prove they received it.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have called Experian on several occasions with the attempt to to correct incorrect information being reported on Credit Report. I have been hung up on several times when an explanation can not be provided when asking about the dispute process. I have been told that there are no supervisors available when asking if someone else could take the call to assist me. I have experienced abnormal hold times when calling this business as if there is something in my account stating to be brief and short with this consumer, if not hang up on her. I do not feel as if I have been supported by the members of this credit reporting agency and have yet to been able to find someone in charge to address these concerns.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2023, I am being a late fee even though I made a payment on Capital One 's phone payment system even speaking with someone. I was told that the payment would not post until XX/XX/2023 making it late even though I paid it on XX/XX/2023 when it was not late. I was told payments made after XXXX do not process until the next day.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged for a product I returned - XXXX I was charged extra hours for a mechanical job- XXXX, XXXX XXXX. 
My car was towed illegally even though my registration was paid. - XXXX XXXX XXXX XXXX, XXXX XXXX Bank Of America- Random atm charge and extra items reported to fraud. 
XXXX Never received item yet was charged for it.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (KY)

Received a letter from XXXX XXXX XXXX, trying to collect an alleged debt. I have never heard of XXXX XXXX XXXX XXXX . I don't owe any alleged debt that they are trying to collect. In addition, their communication tactics are in flagrant violation of the Fair Debt Collection Practices Act, deceitful, hostile, and harassing.
Consumer complaint received 2023-02-23
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. (CA)

This is my Follow up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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. (NY)

I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX CARD SERVICES. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted.
Consumer complaint received 2020-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (OH)

This debt was disputed with the original collector and was sold off. I have proper documentation needed for proof of identity theft and they refused to remove. I have taken action with Attorney General claims within my state to fight the disputed account that was already removed once before.
Consumer complaint received 2022-11-16
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. (IN)

The collection XXXX XXXX  XXXX XX/XX/XXXX. XXXX {$850.00} Im not responsible for this account and I gave no permission for this account to appear on my report as the law states that I have a right to privacy.

This is the 2nd time this account has been place on my Experian credit report and I ask it be removed
Consumer complaint received 2023-01-30
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. (FL)

I am interested in disputing all inaccurate information on my credit report with transunion that is hindering my file. all information has been submitted that is invalid please update all information asap.
Consumer complaint received 2019-08-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

my husband passed XX/XX/2018 and I am trying to acquire mortgage assistance for my home. Select Port Folio my mortgage company is hard to work with and because of my husband death I need to make the mortgage affordable for me to pay the note based on my income. I don't want to lose my home