davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OK)

Convergent Outsourcing has a collection reporting to XXXX, XXXX and XXXX that isn't mine!! I have never lived at the address associated with the account in dispute! I had this removed over a year ago, due to identity theft. Now its back on and came back verified. They haven't provided proof that the debt is mine ( binding contract with me or cox ), nor a proper investigation to verifying said debt. 

Under the FCRA, any inaccurate information must be removed from my credit report. 
They are also, in violation of laws under 15 U.S.C. 1681 Section 602 A- which states that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2- states that a consumer reporting agency can not furnish an account without my written permission. 

FDCPA : 22 ( f ) Restrictions on use of certain media.

Paragraph 22 ( f ) ( 2 ).

1. Language or symbol. Section 1006.22 ( f ) ( 2 ) provides, in relevant part, that a debt collector must not use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by mail.

I have disputed with all 3 credit bureaus, XXXX XXXX XXXX and the Oklahoma Attorney General. I need this resolved as quickly as possible. Please make sure this company is in compliance with my rights as a consumer and takes off all false and negative information from all 3 credit bureaus.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2022, XXXXThank you for contacting me regarding information contained in my consumer file. Pursuant to section 609 of the Fair Credit Reporting Act 15 u.s. code 1681 G. I am providing proof that you are in violation of 15 u.s. code 1681 S ( 2 ). I received my XXXX Consumer Report which states on page 67 that I had an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX records page 94 provides the same address as petitioner. The address XXXX XXXX XXXX XXXX XXXX XXXX  is not on my consumer credit reports. XXXX states that they obtain this address from XXXX, TransUnion, and XXXX. I have attached a letter that they sent me stating this. Congressional law of the Fair Credit Reporting Act clearly states in 15 u.s. code 1681 a consumer credit report must be accurate. There are several different name variations ; the address that you are listing of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX is not on my consumer credit reports. I have attached my XXXX, XXXX and Transunion consumer credit reports As proof that this address is not my previous or present address. I request a reinvestigation due to the fact that I already disputed this bankruptcy reporting on my credit reportsXXXX XXXX  HAS removed the bankruptcy due to XXXX inaccurate reporting as federal law requires for consumers by law. DOCUMENTS ATTACHED
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (FL)

Background report. The only charge that is a felony is the possession of cannabis, the other two charges listed should be misdemeanor charges per court documents that also stated the plea was NO CONTEST, not GUILTY. In this report all charges are listed as felonies and GUILTY that is incorrect.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (NJ)

On XX/XX/2019 I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, NJ using my PNC Bank Credit Card. When they came to deliver the furniture it was used furniture, so I declined the delivery and did not take possession of the goods. I called and visited the store to try to work things out with them, but they where not helpful. I contacted my PNC Bank Credit Card and advised them of the problem and they said that they would put a hold on the transaction and investigate the matter. In the mean time, XXXX XXXX XXXX XXXX went out of business. PNC Bank Credit Card declined giving me a credit claiming that their investigation revealed that there was no billing error. I strongly disagreed and sent them another letter with another copy of the sales receipt as proof that I did not purchase used or " Floor Sample '' furniture. PNC Bank Credit Card has not replied to my second letter requesting that they reconsider or advising me of their appeals process or supplying me with the documentation that they used to deny my claim/credit.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from LakeView Loan Servicing LLC. There was no postage date on the outside of the envelope to indicate when it was actually mailed. Also, there was no real identifying information this was a notice of any importance. The envelope contained a letter stating personal information was part of a data breach. The company became aware of a security incident " early XX/XX/XXXX '' and explained an " unauthorized person '' gained access to files on storage servers from XX/XX/XXXX to XX/XX/XXXX. A quote from the letter : " On XX/XX/XXXX, the review process generated a preliminary list of individuals including you, whose name, address, loan number, and Social Security number were included in the files. We then took extensive measures to review that list to ensure accuracy and prepare the list to be used to mail notification letters. For some, the access files may also have included information provided in connection with a loan application, loan modification, or other items regarding loan servicing. '' The company had a duty to protect private individual information and did not exercise due diligence in protecting customers from loss via identity theft and fraud. The boiler plate letter dated 6 months after the data breach began is insulting to the 2.5 millions customers whose sensitive personal information is now out of the dark web, and offers very little support.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wellsfargo promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and XXXX XXXX   says they can not help me at all because my credit history says NEGATIVELY that my account with Wellsfargo is in forbearance.

So effectively Wellsfargo lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in XXXX used her XXXX income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more month. My mortgage is only $ XXXX/month, but  with this WellsFargo short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (MA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-07-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXX Me and my husband bought a used XXXX XXXX  vin # ( XXXX ) from then called XXXX XXXX XXXX now XXXX XXXX XXXX ( XXXX ) XXXX for {$46000.00} which really was a ripoff, accepted the deal due to having bad credit. 8 months later a deer ran into the front bumper side with minor damage, less than {$2000.00}, but the repair shop had to remove the front bumper, they realized that the vehicle had already been in a major accident because of bad repairs was obvious ( welded areas was rusting and wirings was terrible ), my insurance stated that they would only repair my damaged, we tried resolving the problem with the dealership which kept stating they could get us into something else, plus the next day after we got the vehicle I tried calling to get out of the vehicle because I really realized {$940.00} a month was just too much, but we never got a call back. Well once we contacted them after the accident and let them know we realized it was in a accident and that the XXXX that we got from them stated no accident on the vehicle in the year XX/XX/XXXX or XX/XX/XXXX, so they said we could get another vehicle with {$10000.00} down, which was totally impossible for us. Therefore we was stuck with keeping the vehicle, so I`ve been working on this for about 8 months, I narrowed the search to what insurance company paid the claim of almost {$14000.00} ( XXXX XXXX and the owner and the repair shop, spoke with someone at the repair shop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the person I spoke with said they would see what they could do and get back in touch, never called me back, I called back he said he haven`t forgot me, right today, I haven`t heard anything back. In the mean time I was riding in a incomplete unsafe vehicle, therefore me and my husband made a decision to get out of the vehicle, voluntary repossession, now the financial wants the difference of the lost when they sold it, I feel really sad for them selling a unsafe vehicle that one day the whole from end may come off while someone is driving it, I tried explaining the  situation to them, but they`re only concerned about their money! I`ve tried contacting XXXX, but no response. Now the financial company wants us to pay them {$20000.00}. 
Please help us resolve this issue and hold the car dealership reliable! 

Sincerely,
Consumer complaint received 2020-09-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (WA)

I have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of 4 has been rough. Please help me resolve this
Consumer complaint received 2019-06-20
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. (FL)

On XX/XX/XXXX or XXXX th I received an email from XXXX XXXX that there was a hard inquiry on my report. It was XXXX. Since I did not contact the company to order their service I put off disputing the inquiry with Equifax till the weekend. The next night I receive a large box addressed to my maiden name I havent used in 18 years. It contained XXXX equipment. I immediately contacted XXXX and for the next two days was bounced between customer service reps, their supervisors and fraud. No one helped me at all or directed me how to fix the problem. By that Saturday morning I realized not only did I have equipment I didnt want but I also had a account with {$120.00} of charges this person signed me up for for two years. With absolutely no assistance from XXXX I notified XXXX so at least there could be a paper trail of  this. I filed a report last night online with identity theft.org ref # XXXX. I also put a freeze on Equifax running my credit. I will have to dispute the hard inquiry on Equifax as well. I am working 2 jobs so finding time to do all of this is hard yet important.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XX/XX/XXXX I closed all my HSBC accounts ( i.e., Savings, Checking and Credit Card ). In order for me to close the accounts, the bank requires that all balances are 0, otherwise they wont close your account. I therefore paid my credit card balance with money from my savings account ; set the balances to 0 of all the accounts and closed each account thereafter. HSBC mailed me letterhead notifications communicating that my accounts have been closed. 

On XX/XX/XXXX, HSBC Collection team called me to say that my credit card had an overdue balance equivalent to the last statement balance that I had already paid. I requested them to mail me all my account statements ( for checking, savings and credit card ) for the past 3 months so I could verify the movements between my accounts. Given that my accounts were closed, I could not retrieve those online. 

On XX/XX/XXXX, I only received the Credit Card balance statement, so I was still unable to verify my account activity. I called again and requested for the statements for my Savings and checking as well. 

On XX/XX/XXXX I received again the credit card statements. I tried calling the bank, and the line goes silent. 

I explained several times to the Collection team that I want to check my accounts statements to verify the activity before my accounts were closed ; so I can verify that my XXXX payment did not go through. As of today, the bank failed to respond to that request, which already generated a monetary impact due to the late payment fees they continue to collect, but also to my credit score.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Paypal has a negative balance of XXXX. This is not my balance. My paypal was not used by me to lead to this balance. It was used by someone else, and paypal has not done anything about it. I know who it was used by, and they have asked to have the debit moved to their paypal account, and nobody will listen to me, as I've contacted paypal numerous times about this issue. So since this has happened, my paypal credit account has been dropped from XXXX to a total of XXXX, which was what I owed on the paypal credit account from the beginning. Also two of my Synchrony accounts have been closed, which had a XXXX  balance on them for months, and all of sudden my accounts were reviewed after submitting a compliant to XXXX, with no response from the company. This is the worst business practice. This has made my credit score drop 70 points in a month. I've been working hard on getting my credit score up, and now its dropped again due to someone else 's debt. I feel that all of this has happened because of my complaint to the XXXX, and clearly it has. My accounts have never been closed before, for no apparent reason, like they are being closed now. The negative paypal balance is not mine, and I want to close my paypal account after I pay off my paypal credit. They will not let me close it because of the negative balance, that is not mine. This will be following me forever, and it's not even mine. I have text messages from the person who made the debt, asking me to move it to their account, they claim it.
Consumer complaint received 2020-09-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20
Consumer complaint received 2020-09-03
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: M&T BANK CORPORATION (DE)

Please help me. 

Someone stole my identity and has been opening accounts in my name for the past several months. I have NEVER lived outside of Delaware. There is a XXXX OH address on my credit reports- it's not accurate. They have used that address to send credit cards to. 
I do not bank with Bank XXXX XXXX, XXXX XXXX, XXXX or M & T.
Consumer complaint received 2022-04-08
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: BANCO POPULAR DE PUERTO RICO (AL)

XXXX BANCO POPULAR , PU this is identity theft and I reported it as such. 
someone used my information to obtain a loan and the loan company has not removed this from my credit report. I filed a police report and reported info to the ftc. 
Highest balance {$7000.00} Monthly payment {$160.00} Opened XX/XX/2021 ( 8 mos )
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-19
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE. 

ACCOUNTS TO BE AMENDED : XXXX XXXX XXXX XXXX XXXX, # XXXX / XXXX XXXX XXXX XXXX, # XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MD)

On or around XX/XX/XXXX, I received and XXXX report and notice they are inaccurately reporting Citibank an current open line a credit with excellent payment history as account in dispute. I have never contacted XXXX or XXXX and disputed my Citibank line of credit. In addition, XXXXCitibank refused to report any information for the period XX/XX/XXXX, left this information blank effecting my debt to credit ration, current balance and payments effectively impacting the credit scores. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold CitibankXXXX accountable . I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.