davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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: Convergent Resources, Inc. (WI)

I am a victim of identity theft I have an FTC report I called the credit bureaus numerous times to get these accounts deleted because they are reporting inaccuracies and fraudulent accounts. I never gave a written consent to any consumer reporting agency to report anything on my consumer report is finalize my rights as a federal protected consumer. 

Convergent outsourcing XXXX XXXX XXXX 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-07-18
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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc. (RI)

This complaint is in reference to complaint # XXXX filed yesterday XX/XX/2023. 
I apologize for a mistake that I made. I understand that you usually do not allow new material to be submitted to complaints ; that is not my intention. I am hoping that I can replace the wrong document with the right intended letter. 


The attachement below " Convergent Dispute XXXX '' was somehow mixed up with a form letter for disputes that I used to use when I was a XXXX XXXX XXXX. When I realized the error, the only thing I could do is to try to correct the mistake by giving you the correct letter that consist of the same gist of the content in the above numbered complaint submitted yesterday. I understand if this letter will not be included. I hope that the correct documents submitted were able to convey clearly what is feel is a gross violation of consumer protection laws.
Consumer complaint received 2023-11-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Modoc Tribe Financial Services Authority (MD)

The company charging $ XXXX for a {$1500.00} loan taken out XX/XX/XXXX. The payoff is XX/XX/XXXX for {$800.00} which I will struggle to pay. All of the payments are going to interest instead to the principal. 
I have extended the loan but want to pay it off.
Consumer complaint received 2023-06-29
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. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NC)

I sent a letter on XX/XX/2013, attempting to close a secured VISA credit card account. The card was secured by a special savings account designated for that purpose and contained {$400.00}. The balance on the credit card was {$390.00} and was current at the time. The bank has since charged interest and late fees causing the balance to rise to {$430.00}. They have placed the account in their collection department and are telephoning me and emailing past due statements. They are also reporting my account to the various credit reporting agencies as past due. I have tried to resolve this matter in writing and by calling their customer service department. The person I talked with on the phone says that the {$400.00} is simply not a deposit but a credit line. She would not accept the fact that it is money that I deposited and refused to help me. I am XXXX and XXXX. I can not go to a local branch because there are lines and I can not stand in line to wait. I have XXXX XXXX XXXX XXXX and recently had XXXX XXXX XXXX,
Consumer complaint received 2023-11-03
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)

I XXXX XXXX XXXX XXXX is a victim of Identity theft. These companies ( Transunion, XXXX, and XXXX ) utilized /furnished my consumer report without my authorized consent, or written instruction. My personal information was shared, presented and furnihed without my consent. Congress has stated that consumers have the right to privacy. These companies listed above, has violated my federal protected right to privacy. Failure to meet the needs of congress has had a negative impact. The companies listed has not exercised their responsibility to confidentially protect my personal information. The Fair credit Reporting Act was generated to enforce that the consumer reporting agencies provided fairness, and respect to the consumers right to privacy! 
Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, Identity, and statement
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-18
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: Navient Solutions, LLC. (MA)

I applied for borrowers defense thru the department of education. It was approved in XX/XX/2023 and refunds were sent out. Along with getting a refund for money paid towards these loans the loans are to be deleted from my credit report. I've contacted Navient directly multiple times by phone and email they refuse to delete the loans on my credit report. They in fact started emailing me demanding payment after I submitted my approval application letter. They call me every other day demanding payment as well. I tried to dispute it thru credit reporting companies and they still refuse to delete it. They've now added comments to my credit report stating the loan is accurate and it's in deferment that's now messed around with my credit.
Consumer complaint received 2023-07-16
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: ProCollect, Inc. (FL)

Kept getting calls from collections about charges ive never made, and its hurting my ability to get established credit. According to 15 U.S.C 1681 damages to my report is a defamation to character.
Consumer complaint received 2023-10-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (FL)

I received a noticed on my various credit reports that I had been reported by collection agency Mercantile Adjustment Bureau on XX/XX/XXXX for a debt of {$1400.00} that was transferred by XXXX XXXX XXXXXXXX XXXX XXXX. 

I called Mercantile Adjustment Bureau on XX/XX/XXXX and reported that as fraud as I never had an account that I opened at any point with XXXX XXXX XXXX 

I then called XXXX XXXX XXXX and they indicated that there was an account in fact with my social security # opened in XXXX of XXXX and Closed in XXXX of XXXX. They were unable to collect payment and then turned the report over for collection. At this point I am trying to get a report from the FTC to provide to XXXX  as I dispute with XXXX XXXX XXXX and Mercantile Adjustment Bureau that I am the victim of fraud. I have also made claims to my various credit score agencies.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

There was hard inquiries that was fraudulent and also accounts open in my name without my permission. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ( 2 ). It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

There was hard inquiries that was fraudulent and also accounts open in my name without my permission. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ( 2 ). It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (MA)

I went to XXXX to place two order worth {$76.00} and {$85.00}. I tried to pay for those transactions with my Discover Card using XXXX XXXX. I wanted to use XXXX XXXX  because Discover Bank sent me two emails and publicised heavily about their XXXX XXXX cashback promotion during this quarter : XXXX. Thus, I wanted to take advantage of the offer and hence went to XXXX to place my two orders using XXXX XXXX. 

However both the transactions were declined by Discover and I was so embarrassed when the cashier said that the card was declined. I was looked down upon like a beggar having no funds to pay for my meal/order by the cashier and I can understand the cashiers perspective. I thank XXXX that I had other credit card to fulfill the transaction. However, I will never forget the public embarrassment I had to go through just because I wanted to use my Discover card. 

Note : I had enough credit limit available in my account to make the charges but still was declined to pay the charges. 

I have never been treated so badly in public for not having money. I make over $ XXXX and still had to go through this turmoil. I am scarred and highly disturbed by this incident and its impact over my mental health When I call customer service at Discover, they say that they are having a system/technical error and just dont acknowledge the gravity of the situation. They say they just cant do anything. The most annoying part is that they dont even give a complaint/case number and are unsure of whether there will be a follow up of the complaint. This is very pathetic. 

Lastly, I also lost {$16.00} in cashback because of the declined transactions. It was a worst day and highly regret using Discover. 

I need compensation for all the inconvenience caused and for the discrimination I had to face today. I need a call-back and REGULAR follow-up regarding my complaint. 

There has been a pattern with Discover. The customer service executive say they raised a complaint but not give a complaint number and neither any acknowledgement of receipt of the complaint. And then they say it will be handed by Corporate office and thats it, they just never get back regarding the complaint. Thats non-accountability of the highest level
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-04
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. (AL)

In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX. They have 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. 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 2023-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (WI)

Between XX/XX/XXXX and XX/XX/XXXX, a new collection was added to my credit report making my score credit score fall drastically. The collection agency Is Tek Collect Inc and the original creditor was XXXX XXXX XXXX XXXX. I contacted a Debt Collector remover ( Credit Sage ) as I wasnt able to get in reach with Tek Collect and they stated this charge is false and doesnt have any correlation with me
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX  the following accounts XXXX XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00}, 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 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out that Credit Bureaus are not hindering records despite multiple written request. 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 you decide to not obstruct the accompanying things recorded beneath which are answering erroneously. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been sending letters for months now and have not receive any response from the bureaus. Not one letter in the mail.This is so unfair the way I'm being treated. They operate any way they want to.
Consumer complaint received 2023-11-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (FL)

On XX/XX/2023 I received an alert on my XXXX account so I went to take a look at what it was, then I seen that a collection appeared for XXXX for the amount of {$1500.00} dollars I called XXXX immediately and reported that the account did not belong to me or that someone is fraudulently using my credentials because Ive never had XXXX as my phone carrier they then responded that I should make a police report and file a complaint with the cfbp as I am doing now. Then XXXX placed a fraud alert on my file but then I also went to my XXXX to investigate there and I see the same collection that shouldnt be there also