davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Convergent Resources, Inc. (CA)

I feel the company violated my consumer rights, which i have proof of! 

They owe me remedy per violation they committed. I will begin to further explain. 

I spoke with XXXX XXXX & XXXX XXXX The company " XXXX XXXX XXXX '' as shown in screenshot of phone call received or " Convergent Outsourcing '' as stated on the phone by XXXX XXXX who addressed himself as the manager. I began to let him know that I do not owe said alleged debt, and i am aware of my rights in which they are in violation of. At that point XXXX Who represents said company as manager began to state verbatim " most people talk out of their XXXX and are really XXXX and do not know the laws '' at that moment i alerted him i will be filing a report with the CFPB to exercise said rights. I spoke with this same company the day prior and told them DO NOT call my telephone anymore, at which point they obviously ignored, and were Willfully Noncompliant as per 15 U.S. Code 1681n - Civil liability for willful noncompliance Pursuant to federal Law, I am The Original Creditor, Natural Person, & Consumer Per 15 USC 1692A.
Consumer complaint received 2021-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 45 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the XXXX data Breach or some type of Identity theft. Please delete.
Consumer complaint received 2021-06-22
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: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-08-15
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME : XXXX XXXXXXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I just paid off over {$37000.00} worth of debt on my credit report, my score went up 6 points. 
I believe there is an unfair practice with the scoring process. 
I want a rapid rescore on my report and I want it to reflect what is owed in relation to my payment history justly I believe there is a double standard in this industry and it is XXXX motivated I want an investigation into the scoring process for all of the three companies I believe they score according to XXXX and XXXX as my score is drastically different than my XXXX counter parts who have much more debt than I do
Consumer complaint received 2022-05-25
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-18
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MARYLAND XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MARYLAND XXXX XXXX XXXX MARYLAND XXXX XXXX Loan Service 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 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WA)

In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through Navient the services of my loans. At first I was denied even access to the outsourced XXXX service providers information XXXX after finally receiving XXXX information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my total and permanent XXXX was approved through XXXX. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from XXXX 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of Navient increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to Navient and XXXX to see what I needed to do. After hours of phone calls with Navient were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to XXXX for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXX XX/XX/XXXXprompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however XXXX  has refused. I spoke an agent at XXXX and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by XXXX they would not remove any of the student loan accounts holding, they are reporting four of my discharged student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until Navient sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (AL)

I had my credit card with Wells Fargo ever since XX/XX/2023 with a credit limit of {$4500.00}. I destroyed all my credit cards except for this one. I planned a trip recently and to only use this credit card on XX/XX/2023 to XX/XX/2023. This was the only card I had on me. I left out of town and my credit limit was decreased from {$4500.00} to {$2300.00} and my balance on the card was {$2200.00} leaving me with nothing to charge and I couldnt use my card to make reservations with. I called Wells Fargo to figure out what had happened, the first rep said it was strange that it did happen and the second rep said there was nothing they could do and asked me if I could find a family member or friend to loan me money after I expressed to her that I only had Wells Fargo credit card only. This left me in a horrible pickle, as I was XXXX XXXX hours away on my trip to discover this issue. I had to get my credit pulled right then and there to see if l could have for my credit limit back of {$4500.00}, then was told I had to wait 5 to 7 days for a response. Ive been in banking for over 10 years with a great payment history with my creditors and this has never happened to me.
Consumer complaint received 2021-07-15
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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-12-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

In XXXX, I was a tenant at XXXX XXXX XXXX XXXX in XXXX, MI. My lease agreement stated that my monthly rent was {$790.00}, plus a flat utility fee of {$47.00}, for a total of {$840.00} per month. I paid this amount in full and on time every month during my lease, as evidenced by my bank statements. 
Upon lease renewal, the apartment complex attempted to increase my base rent to {$1000.00}, resulting in a new total of {$1100.00}. This amount was mistakenly listed under " prorated rent '' on the lease, which was an error they acknowledged. Despite the mistake, I paid {$1100.00} for the first month, and the overpayment of {$270.00} was credited to my account the following month, confirming that their system recognized the correct rent amount of {$840.00}. 
After I moved out in XXXXXXXX XXXX XXXXXXXX, the apartment complex erroneously reported missed payments for several months to a debt collection agency, ProCollect , Inc . I have since provided the apartment complex and the debt collector with my lease agreement and bank statements, which prove I met all payment obligations. However, the apartment complex has refused to correct its error, and the debt collector continues to pursue this invalid debt.

This inaccurate information was reported to the credit bureaus, negatively impacting my credit score. I formally disputed the reports with all three credit bureaus ( XXXX, XXXX, and XXXX ) and provided the same evidence. Despite this, the credit bureaus upheld the inaccurate reports, claiming the information was valid.

I request that this matter be fully investigated and that the incorrect information be removed from my credit report. Additionally, I ask that XXXX XXXX XXXX and ProCollect, Inc. take responsibility for their reporting error and notify the credit bureaus to correct the records.

I provided proof below of payment per the lease in the form of bank statements and the lease agreement. I also provided the credit reports to show that my credit was fraudulently damaged by ProCollect and XXXX XXXX XXXX.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (VA)

I have a pay pal account for years. In the month of XXXX and XX/XX/2021 thye did nit send me a bill. This wads their mistake I always get mailed bill for years. They kept sending me e mail bills were late. I went on line and found late charges and no mailed bill. I copied both and mailed a check and ask they remove late charges. The lady was not polite but did remove late charges. Never been late on any bill ever. What they failed too do is remove this from my credit report. My score for many years is XXXX plus almost prefect that I take pride in. Now thanks to them Pay Pal it is XXXX! I feel they should correct the data and get my score back. I told them one more error and we are done with them. This is unfair trade practices. They made the mistake yet they want to blame me. I am still waiting for a bill for this month? I wrote them a letter all they did was send me copies of bills that I printed on the internet and paid. Can you please ask them to just mail my bill and I will pay it. I am not paying late charges or interest for their mistakes. Please run a credit report on us and you will see I am being truthful. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .I just want my credit score back!
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian received a call ( SEVERAL ) When they answered the call in regard to the access to online reports that are free that has trouble signing in they responded with an email that was time sensitive ( must have been 15 seconds, I was on the phone with them in the process as he commented and disconnected the conversation ) XXXX is the number after all the verification involved. I had reset my password for this free account the week prior do to having trouble with there web site it worked fine. Today they gave me a song and dance on a reset as you can see from there reference number above and told me on the phone that is all they were going to do for now then hung up on me after trying the reset with in seconds it denied me again and every time I called after our first conversation and I give the info IE the social security number the system hangs up on me. So I have hired an attorney to look into the suspicious activity as a preventive action to fraud However, there actions indicate that they are attempting to force consumers into there paid program which defaults the free report from Experian through there credit card services they offer and into a paid or none access.
Consumer complaint received 2024-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CT)

In XX/XX/2024, I sent a written request to AmSher Collection Services , Inc., asking for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). The debt reported on my credit profile listed an original balance of {$1500.00} and a current status of " In Collections/Charge-off. '' I specifically requested : Proof of their legal right to collect the debt, including documentation of transfer or authorization from the original creditor.

A comprehensive account history detailing how the balance was calculated.

A signed agreement verifying my obligation to repay this debt.

As of now, I have not received a response from AmSher Collection Services. Without this information, the debt remains unvalidated, and I do not acknowledge responsibility for it. The continued reporting of this unvalidated debt on my credit profile negatively impacts me financially.
Consumer complaint received 2022-06-27
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/2022 I sent out a letter asking for them to send me my form 1099-c that they should have sent to me when when they filled the account as a canceled debt/ Charge off to My address. i have not heard back from them at all.
Consumer complaint received 2021-01-26
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 have discovered that some accounts are not mine and I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Clear Recovery, Inc. (NE)

On XX/XX/2021 on or around XXXX XXXX  CST I was called by woman who when asked who was calling gave her ( alleged ) first name only even though the Caller ID shows " Merchants Crdt ''. I told them to stop calling this phone number. On XX/XX/2021 on or around XXXX XXXX  CST I was again called by " Merchants Crdt '' I repeatedly told them they were violating the law or laws by contacting me again after being instructed not to call me. The man continued to talk over me and say they were allowed to call all they want ( which is not true ) and that they would continue to call me. I repeatedly told them to stop calling me only to be ignored a second time. The person on the other end of the phone kept trying to get personally identifying information out of me even though I repeatedly told them I had already told them to stop calling and they need to stop calling he kept talking over me and I repeatedly told them to stop calling AGAIN. Debt collectors are supposed to stop calling when a person tells them to stop calling, not keep calling!!!
Consumer complaint received 2021-07-05
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. (NC)

I recently received a copy of my experian credit report and noticed that there were multiple names, addresses and phone numbers on my credit report that did not belong to me, this appears to be either identity theft or someone else 's name, address and phone merged with my credit file. 

I wrote a letter in XX/XX/2021 and nobody has contacted me back, i called on XX/XX/2021 and spoke with a customer service person and was told i could not have someone elses names and address removed, because its experian policy.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AL)

I spoke with bank in regards to my account and was assured that my account wouldn't be reported as late to the credit bureau due to me having ongoing financial struggles because my industry has slowed down due to the economy. This is the second time that my account has been inaccurately reported.
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

I have credit card account with chase bank and the bank requested information regarding my social security, they supposedly mailed the request to me but I never received it. after a period of time without responding ( because I never received the initial request ) my credit card account was closed. I found out when I received a notice of closure and immediately followed up with the bank. every time I call customer service, I am transferred an unreasonably large amount of times, last time i spoke to 18 people over about an hour and a half and had to provide my information each time. when I spoke to the bank they mailed me a copy of the form I needed to file which I did 4 times already and provided it to them 4 times in an attempt top get my account reopened like they said will happen. at the time of this writing the issue has been going on for almost 2 months with no resolution and a large impact on my credit score because I have a balance but no active account.