davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

Convergent is a debt collector trying to collect money on an account Ive never used and was created fraudulently with my stolen personal information. My personal information was stolen and used to open a fraudulent account with XXXX XXXX in my name for a different address I have an identity theft and fraud case open with Optimum but in the meantime Ive received a bill for over {$800.00} to collect from Convergent Outsourcing that I am not responsible for. Their phone number on their website and bill does not have a voicemail and was not taking phone calls. I demand that this bill be removed from collections and my credit be restored.
Consumer complaint received 2021-11-18
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. (CA)

The electronic file provided by XXXX XXXX XXXX as validation of debt for account # XXXX has a balance at the time of sale of {$2.00}, XXXX is erroneous because it includes a {$38.00} late fee overcharged. Because the balance at the time of sale is incorrect it automatically INVALIDATES the electronic file mention above. With this been said XXXX XXXX XXXX is in violation of section 809 ( b ) of the FDCPA because they had failed to provide proper validation of debt. TransUnion must remove this invalidated account immediately to avoid litigation. Attach to this dispute I am providing you with 1 ) copy of ID 2 ) copy of Social Security Card 3 ) The electronic file provided by XXXX  as proof of validation which is erroneous read above 4 ) Copy of Last Statement which shows the right amount of {$2600.00}
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Amount of debt owed : XXXX The collectors contact number is listed ( as shown ) ( XXXX ) - XXXX XXXX on experian 's website! 

I wanted to payoff/settle the debt but incorrect documentation was listed on the contact information on experians website. 

I don't think that it is fair for the consumer ( myself ), that I should have to take the full blame for the mistake. When the problem at hand could've been resolved in a timely manner instead of showing several months of past due on my credit report.
Consumer complaint received 2022-07-01
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. (WI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 


XXXX XXXX RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (CA)

My account was hacked and the account was closed. I had this account for years. I had a lot of transactions I needed records of of me sending my son mother payments. Cash app let me get hacked for thousands of dollars when I tried to call customer service all I could speak to was a cash bot was not able to get a hold of no one from customer service on the phone. This account was closed during covid time I would like to say 2020.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (WI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 


EQUIFAX PUBLIC RECORDS : XXXX XXXX Bankruptcy XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-28
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. (LA)

In accordance with 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 Secton 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

{$78.00} payment to progressive that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you
Consumer complaint received 2022-06-28
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  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 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am submitting due to non-compliance with Transunion, XXXX, XXXX. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have multiple credit cards with comenity bank and they have been " updating their system '' for over a week now. I am unable to do anything on my account including making any payments. I can't even log into my account without receiving an error message. My payments are coming due and I do not have a way to make them. The phone systems for comenity bank are not working and I do not have a way to mail in payments as I have e-statements.
Consumer complaint received 2020-07-08
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$760.00} USDOEXXXX   XXXX {$7000.00} XXXX XXXX {$37000.00}
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XX/XX/year>, I applied for a CapitalOne credit card through XXXX account, which advertised no hard inquiry unless approved. Application # XXXX. On XX/XX/year> I spoke with a CapitalOne fraud XXXX to verify my identity. I never heard or received any information or notification from CapitalOne since that time. On XX/XX/year>, I called to find out the status of my application. The first representative I spoke with found and verified my application, reviewed the steps of the application : " XX/XX/XXXX - submitted ; XX/XX/XXXX - additional information needed ; XX/XX/XXXX - verification call ; XX/XX/XXXX - denied by underwriters. '' He further indicated that this application needed to be handled by a fraud specialist and transfered me to XXXX. XXXX looked into the application and verified the same information but could not explain why I never received any notification of the application status or decision. XXXX transferred me to a supervisor who told me the first two representatives were lying and the application was denied on XX/XX/XXXX, which was before the identity verification phone call and underwriter decision. Regardless, I never received any notification of the adverse action : application denial as required by FCRA Adverse Action Disclosures Section 615 ( a ) and ( b ) ; 15 U.S.C. 1681m ( a ) and ( b ). Section 615 ( a ) - ( b ) requires users of consumer reports, such as creditors, to make certain disclosures when they : 2. deny credit for personal, family, or household purposes or increase the charge for such credit based in whole or in part on information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

*****CapitalOne is therefore in violation of FCRA by not providing this written disclosure of the adverse action. 

****No attachments because CapitalOne never provided them. 

****Second issue was the guarantee by XXXX XXXX CapitalOne XXXX MyExperian.com partnership to only perform a soft inquiry on my credit report unless I was approved. CapitalOne violated this agreement with XXXX and placed a hard inquiry on my credit report on the date of the application. This inquiry should never have been placed on my credit report as per the advertisement on MyExperian.com.
Consumer complaint received 2023-05-27
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. (AR)

I am submitting my complain and this was my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are fraudulent that needs to be removed : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  Bankruptcy Date Filed/ReportedXXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-12
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATIONXXXX since XX/XX/XXXX ... there is an error on my XXXX and equifax credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATIONXXXX under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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.

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 2020-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (MD)

I found out in XX/XX/XXXX while applying to refinance our home that my credit rating was much lower than expected. On XXXX XXXX I called XXXX and discovered a problem with a XXXX credit card issued through XXXX XXXX  for the purchase of about {$80.00} I made in the summer of XXXX in XXXX. I use the card very infrequently. 

I acknowledge the purchase but I never received any monthly statements for payments at either our XXXX  cottage or our main home in XXXX. Not one! We have been to our cottage twice in the fall and winter of XXXX. While mail has been delivered there was absolutely nothing from XXXX XXXX XXXX. 

To resolve the issue I called XXXX XXXX  on XXXX XX/XX/XXXX. After a series of calls and delayed/overlapping correspondence from them they finally told me they had no information on my credit card and could not help me since the account had been sold to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$340.00} and an associated collection agency Stoneleigh Recovery Assoc. LLC. 

XXXX XXXX  lied to me. After the first call I did not hear anything from XXXX. I called twice more. On the second call they told me the cost of the original balance was {$80.00} and I would be sent a letter verifying that was the amount I owed. On the third call they listened to a recording of the previous call to verify what I was told. In written correspondence they said they would research my claim and would take days to resolve it. They never did this. 

It is clear that XXXX and Stoneleigh did not have our address in XXXX  on record. It was not until I opened the dialogue with XXXX that Soneleigh sent me a letter demanding a deal of a one time payment of {$300.00} for settlement in full against the {$340.00}. Yet they had our XXXX   cottage address. 

In discussions with XXXX  they have failed to provide the alleged missing account statements nor have they provided any information on when and where the account statements were mailed. They have washed their hands of the issue. My credit rating has been levelly damaged. There is no reason I would not have paid this bill on receipt of the statement. 

Stoneleigh claims that mail delivery problems are no excuse. I maintain they never sent any statements. Stoneleigh also said that I should have been aware of the outstanding bill much like a mortgage payment. I maintain that I receive monthly statements from all my accounts and that any normal consumer would reasonably expect such service from XXXX XXXX and XXXX XXXX. 

I paid the {$300.00} because I feel trapped. 

XXXX XXXX is at XXXX XXXX XXXX XXXX, Ohio XXXX. 
Stoneleigh Recovery Associates os at XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-06-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (GA)

My loan officer XXXX from guaranteed Rates approved me to purchase a XXXX XXXX failed To Due her diligence duty to her client to get the loan approved. The underwriter stated it was a miscalculated causing me to loss my new home And my earnest money. Now me and my kids or staying with relatives but my home I was staying in is no longer available. I feel like it was discrimination because it was always something just taking me threw different loops. This loan officer and company should not be allowed to treat clients and families like this, especially when you trust them with your life savings to get a home to end up with nothing
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Chapter XXXX Bankruptcy XXXX XX/XX/2019 Chapter XXXX Bankruptcy XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
XXXX, Experian, XXXX and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report immediately