davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
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. (PA)

Convergent Outsourcing Inc. continues to attempt to collect a debt that is not owed for roughly 2 years. They are the collection arm for XXXX XXXX. I have disputed the validity of the alleged debt as not being mine. I have asked for validation of the debt. and they send a copy of a statement with my name on it. I have on numerous occasions asked for anything with my signature or a recording that evidences my approval for the charging of the {$170.00} they continue to attempt to unlawfully collect. I believe they are violating the FCRA, FDCPA, Pennsylvania FDCPA and Pennsylvania UDAP and these violations as well as the acts individually constitute a violation of UDAAP. 

Further when I point the above violations of law out to the CSRs, for Convergent, they tell me I have to file a fraud claim with XXXX XXXX. I expressed my incredulity that they were not satisfying their affirmative obligation to only collect on a debt that was valid and again demanded that they validate the debt or remove the inaccurate information of the debt as allegedly owing to Convergent and XXXX but they refused multiple times. 

It is clear that Convergent Outsourcing lacks appropriate training, corporate leadership, compliance and legal knowledge as well as any kind of QA or monitoring or testing program to be permitted to continue collecting debts for themselves or third parties. 

I urge the Bureau to investigate the foregoing matter
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts/Inquiries that are being challenged 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 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX my account down due to a 3rd party check. They refuse to send the remainder of the money left in my account. This is causing me a lot of stress & financially impacting my ability to take care of my family & pay rent.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (FL)

my mortgage payment is n't due till XXXX XXXX 2017 due to plan already set up with resolution team, my - escrow was already sent in and computer at quicken loans has all my records wrong and not up to date.have called and sent a letter to quicken loans resolution team, i also received a mortgage payment letter in mail stating not due till XXXX XXXX 2017
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank solicited me to apply for a credit card with zero percent interest in balance transfers for a specified time. 
I applied and indicated the dollar amount as to how much of a balance transfer I wanted and indicated the credit card company and account number as to where the balance would be transferred. 

Eventually Citizens Bank contacted me and transferred money to my existing credit card for the balance transfer. The problem is that they didnt give me a large credit line which is their prerogative but without my permission they transferred most of the dollar amount of the credit line to my existing credit card company. This means they maxed out my credit card. A maxed out credit card reduces ones XXXX score a lot. 

I called Citizens Bank and asked them to increase my credit line enough to increase my XXXX score which they wouldnt do. I then asked them to reverse some of the money they transferred to my existing credit card which they refused to do also. 

The upshot is my XXXX score is reduced through no fault of my own. Citizens Bank should have never maxed out the credit card they issued to me without my permission.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

Good Afternoon ; This is the 2nd complaint I've sent for my prior mortgage with Nationstar/ Mr. Cooper because of the complete inaccuracy. My home loan payoff with Mr. Cooper ( attached ) payoff date through XX/XX/2023 ; The home loan Closed & Funded XX/XX/2023, wire waas sent to Mr. Cooper ; I called & they acknowledged all was good and payoff had been received. 

Several days later ( after payoff had been received the prior week ) the title company we closed with received a call that there was an approximaely {$1000.00} balance, for an escrow disbursement Nationstart/ Mr. Cooper made, which I paid the same business day. 

Please see attached payoff statement from Mr. Cooper/ Nationstar, Closing Disclosure, confirming home loan closed & funded XX/XX/2023. 

Nationstar/ Mr. Cooper making a disbursement several days after the home loan closed & funded does not make me 30 days late, on a home loan which closed and funded XX/XX/2023, using a Nationstar/ Mr. Cooper payoff quote, dated through XX/XX/2023. 

Finally, as of today, XX/XX/2023 my Credit Report still shows an updaid balance of {$470000.00} & a 30 day delinquincy, almost 45 days after receiving payoff. Completely unacceptable.
Consumer complaint received 2022-01-19
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. (VA)

On XXXX XXXX, 2021 I sent the credit bureau a letter concerning inaccurate collection accounts on my credit report that are all reporting inaccurately. They have not conducted a proper investigation into my dispute and they have not corrected or deleted these accounts as the FCRA states. I have also reached out to the collector who furnished this inaccurate information and they too have failed to delete this inaccurate information from my credit report. This is causing me great stress and I want to exercise my right as a consumer and file this complaint because they violated the FCRA.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XX/XX/2016 Someone wrote me a check and out bounced and XXXX  XXXX XXXX closed my account and reported it as fraud. I had all my documentation yet they wouldnt let me dispute it nor did they do a thorough investigation.
Consumer complaint received 2015-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (FL)

I became a victim of ID theft in 2012 when my Identity was compromised. I believe that XXXX ore more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX XXXX.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of York, Inc. (PA)

I was alerted to a collections on my credit report during a credit report review on XX/XX/2018. I contacted XXXX XXXX in XXXX PA to resolve on XX/XX/2018. I have never received from them a notice via mail or phone call. I contacted the original company XXXX XXXX  XXXX XXXX XXXX in XXXX PA and noticed that i also had not received a letter from them for payment. As indicated by XXXX I have always paid my bills in full without any issue and they were unsure as well of what broke down in communications. I want to pay this bill and have never missed a bill before. XXXX  stems informaed me that regardless of payment they will not remove the inaccuracy from my credit report. XXXX XXXX XXXX XXXX XXXX said they will enforce a good will removal based on payment. XXXX XXXX will not agree to such action. I contacted XXXX XXXX twice today ( XX/XX/2018 ) and informed them i would like a through review of the item in collections and they refused to comply by saying the sent notices in the mail which i did not receive. Everyone seems to be on board with paying the bill in full and removing it from the credit report with the exception of XXXX XXXX in XXXX Pa. Addiitonally they are not willing to discuss any other information besides me paying them. Once again i have never received any letters or other coorispndace from them pertaining to this issue.
Consumer complaint received 2023-07-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PRONTO FINANCE INC. (IL)

Ive filed several disputes with the company by the name of pronto finance to remove this vehicle from my credit report that isnt mine. It does not belong to me and i have {$11000.00} worth of debt sitting on my credit because of this.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT RESOLVE GROUP LLC (TX)

XXXX XXXX - repeated calls after informed not to call. Additionally informed the claim is no valid and has been disputed. XXXX threatened to continue calling even though he was asked not to call again. He said he did n't care and would call until he got paid. To date there have been at least XXXX calls from him in the last week.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION (CA)

XXXX XXXX reached out and offer for {$200.00} after meeting with a financial advisor and opening their bank account through UMB Bank. In XX/XX/2021 I had two phone calls with advisor XXXX XXXX and met that requirement. I then opened the bank account at UMB Bank through XXXX XXXX. Since then I have received {$100.00} but not the advertised {$200.00}. I have contacted support numerous times - I'll attach my correspondence dates. They have said they are " working '' on it. The offered a gift card instead but I would like the {$200.00} promised. It shouldn't take months for them to make good on their offer.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted TransUnion on XXXX XX/XX/XXXX at XXXX and spoke with XXXX XXXX about four unauthorized inquiries. 1 ). XXXX XXXX XXXX inquired XXXX XX/XX/XXXX. 2 ). XXXX inquired XXXX XXXX XX/XX/XXXX. 3 ). XXXX inquired on XXXX XX/XX/XXXX0. 4 ). XXXX XXXX inquired on XXXX XX/XX/XXXX. She refused to submit an investigation and/or look into the matter. She also stated that only the Universal is the hard inquiry the others do not matter. I stated that they matter to me because I did not authorize not do a credit application for any of these in my name. In the future, when I have to verify my information, I won't be able to recall false information reported. She refused to do anything.
Consumer complaint received 2019-03-08
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. (MO)

I have a settlement with XXXX that I am repaying. I started this repayment in XXXX of 2018. XXXX has cashed 2 of the 4 checks I have sent them. The account is still accruing interest, even though it is not supposed to because it is a settlement. They are now reporting delinquency to the credit bureaus, even though they have 2 checks I have sent them but they have not cashed them. I have attempted to contact them and no one knows how to put me in touch with the post default payment department. They have told me they will have someone get into touch with me and that has not happened.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, Equifax and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please Block the items listed below that are unknown to me : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX  XXXX XXXX Balance {$710.00} XXXX XXXX XXXX  XXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance {$5800.00} XXXX XXXX XXXX XXXX Balance {$95.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$310.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX Balance {$130.00} XXXX BANK XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX
Consumer complaint received 2016-07-31
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (GA)

I have submitted several request to Barclays bank as to whether they are FDIC insured or not and up to what amount. They continue to give me the run around and to send me an invalid link to check to see if they are FDIC insured. I do not understand if they are a full regulated bank whey they do not know themselves if they are insured or not?
Consumer complaint received 2022-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Betterment LLC (MA)

On XX/XX/XXXX I made my first transfer to betterment for {$20000.00}. On XX/XX/XXXX, I made a second transfer for {$1100.00} but betterment pulled it from the wrong account so it was returned. I re-initiated the transfer from the correct account on XX/XX/XXXX. On XX/XX/XXXX I received an email stating " Weve temporarily suspended your account for your protection. '' I immediately sent them an email asking why my account had been suspended. I contacted the " accountsecurity '' email address provided. When I call their account security team and attempt to get a hold of a representative regarding account access it simply says to email them. On XX/XX/XXXX XXXX email accountsecurity again and let them know no one has responded to me yet, and they inform me to call their support line and speak to someone on the investing team. I called and spoke to a support representative on XX/XX/XXXX and I answered some questions regarding my account activity and was under the impression that my access would be restored and that I would hear back by the end of the day. On XX/XX/XXXX after not hearing back I called again, and went through the same process, assured I would hear back by the end of the day. Today, XX/XX/XXXX I called a third time and was told that unfortunately my account has been permanently suspended. There is no manager for me to talk to, no one that I can discuss this issue with.
Consumer complaint received 2015-10-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TN)

I submitted a payment to Synchrony Bank on XXXX/XXXX/15 regarding an credit account with Ethan Allen furniture. In the 3 days, from XXXX I received XXXX calls from Synchrony Bank XXXX including calls on Saturday and Sunday. This level of harassment is unacceptable.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

Hi I have transactXXXX prepaid card there a lot fraud activity on my card try to dispute it with transact they said I lost the case and will not refund or credit my catd
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (AZ)

This is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with XXXX XXXX First complaint ID with Experian XXXX First complaint ID with XXXX XXXX