davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I received a letter from Convergent dated XX/XX/XXXX on XX/XX/XXXX, for an outstanding debt for a XXXX account that I never opened. I believe I am a victim of identity theft and have been trying to rectify this issue with XXXX directly. I reached out to XXXX asking for proof of substantiation, in which they forwarded me via phone call to a separate debt collector, XXXX group. I mailed a letter sent by certified mail to XXXX XXXX requesting proof of substantiation, in which I received no reply. When calling XXXX group, the representative said they no longer had this debt in their possession. When calling XXXX asking for information about this account to be emailed or mailed to my actual personal mailing address, the XXXX representative said they could only mail or email documentation to the personal information noted on file, which is not my email address ( XXXX ) or my personal mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ). The XXXX representative told me to file a police report with the local authorities if I believe the account was opened via fraudulent terms. When going to the police station XXXX New York XXXX Police Department XXXX XXXX in XXXX, NY ), the police officer stated that I must provide proof of substantiation from XXXX in order to process the police report. As I have absolutely no paper or electronic documentation of this account, I have been unable to submit a police report. The only paper mailing with the account number stated that I have received to my actual mailing address ( where I have lived since XXXX ) has been this notice dated XX/XX/XXXX, which I received in my mailbox on XX/XX/XXXX. In order to file a police report, I need actual notices and letters from XXXX, not Convergent, stating my claim for being a victim of fraud. I have a separate XXXX account ( # XXXX ) which I am enrolled in XXXX and have been paying on time each month since I moved to XXXX, NY in XX/XX/XXXX. I am not sure how the fraudulent account ( # XXXX ) was opened using my name and SSN, and false personal information that is not tied to me in any way ( email, phone number, mailing address ) and would like to request proof of substantiation of the account being opened, proof of information they used to open the account, proof of collection of debt, and any additional information that can be provided so I can file a police report. I am disputing this debt and will not be providing payment for a fraudulent account.
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, we cancelled a trip with XXXX. They immediately sent my refund to card ending in XXXX through XXXX. The issue is that the bank account that was associated with this debit card number had been closed for approximately 2 weeks. 

Ive been told by Bank of America in the 6-8 phone calls Ive made that the refund would not be accepted by Bank of America ; it would immediately be returned to XXXX. Bank of America did state they checked transaction records for that card approximately XX/XX/XXXX and no attempted transactions were recieived. 

Im caught in limbo with each place stating its the others fault. XXXX notified me this morning that a trace was out on these funds and it shows successful. A copy of that notification and transaction number are attached. 

Again the refund was from Airbnb for XXXX and was routed through XXXX to Bank of America on XX/XX/XXXX.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have a open credit card with XXXX XXXX. MY account has always been set up on autopay. 
The creditor, XXXX XXXX is randomly adding late payments to different months and years through each credit bureau. 
In XXXX of XXXX they added a late payment on my transunion account saying it was late for XXXX of XXXX ( two years later ). On my XXXX  they are reporting that XXXX of XXXX is not late but that XXXX of XXXX is late ( this late payment was added on XX/XX/XXXX of XXXX ). They are also reporting a infactual late payment of XXXX of XXXX. None of these late payments actually exist and it seems like they are randomly adding them years later. I have contacted the company who says it is not their problem and there is nothing they can do about it. I have written them letters and disputed this online however they keep deleting and ramdonly adding different months and years of late payments. I need all of these inaccurate reportings removed and I need my account closed with them so they can no longer report inaccurate information. It has been approx 7-8 months since I have been having this issue with them.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

When I opened my account with Discover, I was fairly new to the USA after moving from the XXXX, as such they requested additional information to request information from the IRS, I provided this information and signed a docusign document, to enable them to request this information. 

On XX/XX/XXXXthey emailed saying they were unable to complete the verification, I called them and they said they didnt receive the info back from IRS in time, and they resent the verification documents needed. I completed as requested and heard nothing back. Assumed all was good. 

On XX/XX/XXXX, I went to use my credit card at XXXX XXXX Airport, and in front of many other people, my card was declined. Embarrassing for sure, I called discover who claimed they made a business decision as they couldnt verify my information with the IRS. They claimed I should have received an email informing me. Which I then received at XXXX on that night. 

When I arrived back from my trip, I received a letter from the IRS setting a request for my information had been declined since discover had filled the form out incorrectly Discover then reported this closure to the credit records and now it looks like I have 150 % credit utilization, making it impossible for me to open an account with a reputable company. 

Im still so new to the USA that my credit history is limited, and now theyve ruined it.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MD)

My mortgage was transfer from XXXX to SN Servicing on or around XXXX XXXX i am currently in a bankrucpty Chapter XXXX and have been payng montly payments every month. In XXXX I have received statements stating I owe of {$14000.00}. I have contacted SN Servings many of times in reference to this matter. See time- line below and what was discuss : XX/XX/XXXX, XXXX Receive a Post-Petition statement showing a balance around XXXX. 
I called spoke to Representative in reference to post petition she said my loan was just transfer over and because of COVID it would take some time to receive a correct statement. Also, someone from the bankruptcy department will return my call. 

XX/XX/XXXX, XXXX I contacted SN, I spoke with informed Rep. I called on XX/XX/XXXX and no one never returned my called. I was transferred to bankruptcy XXXX. XXXX XXXX left a detailed message in reference to this matter. 

XX/XX/XXXX, XXXX Received a call from XXXX XXXX XXXX I informed her I made every payment to XXXXXX/XX/XXXX and I can prove every payment was made. She said it was not necessary to prove my payments at that time that she was going to do a reconciliation of my account and get back to me two weeks. 



XXXX XXXX I called SN spoke with XXXX XXXX informing her I spoke with XX/XX/XXXX in reference to the reconciliation. She did see anything in computer and again XXXX is my representative and she will get back to me. 

On XX/XX/XXXX, I received an Affidavit of Default for the month of XXXX, XXXX, and XX/XX/XXXX. Below are the dates and the amount of payments made to Sn Servicing and was debit from my bank account ; XX/XX/XXXX SN SERVICING DEBIT XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00}
Consumer complaint received 2023-05-14
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. (SC)

In accordance with the fair credit reporting act. XXXX XXXX. account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In late XXXX of 2023, I was applying for a new car at my home bank. When they did a hard pull on my credit, they told me that student loans at XXXX were on there twice, each for {$84000.00}. 
We had consolidated that {$84000.00} with XXXX in XXXX of 2023. The XXXX amount of {$84000.00} is also on there. It appears that I have a student loan debt of {$310.00}, XXXX, when in reality I have a student loan debt of {$140000.00}. XXXX never removed the debt after the consolidation with XXXX in XXXX of 2023. 
In XXXX I called XXXX and when I started to tell the representative XXXX XXXX ) about my issue with my credit report, she interrupted me and said " It is not our fault, it is the fault of the Credit reporting companies. '' She explained that the same thing had happened to her and I need to file a dispute with Experian. She said there was nothing, no accounts, listed on her records at XXXX under my name or of my husband 's. I am the co-signer. 
I then called Experian and talked to XXXX about the situation. He first said that I am about the XXXX person this week to complain about XXXX. He filed the complaint for me. 
I received a result in XXXX XXXX saying the the dispute was completed and information was correct. But it is NOT! 
As I am writing this on XXXX, 2023, XXXX is listed on my credit report with amounts of {$84.00}, XXXX twice! 
I have enough student debt for our sons, without adding another {$160000.00}. This information is ruining my credit score. 
I am asking CFPB to demand that XXXX removes this incorrect information from my credit report as soon as possible. It seems that these companies are above the law. 
Thank you for your understanding and help.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I checked my interest rate for a personal loan with XXXX. Their website said " checking your rate will not effect your score ''. I filled out the necessary information and clicked check my rate. I then received an alert from Experian that XXXX had initiated a hard inquiry. I had to call them and email a copy of the experian report showing the inquiry. They mailed me a letter stating they would correct the error and remove the inquiry. It has not been removed as of today.
Consumer complaint received 2023-03-29
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. (NY)

This account I already have a CFPB dispute opened which is XXXX XXXXXXXX XXXX XXXX Account Number XXXX  XXXX XXXX  {$32000.00} continues wrongfully report inaccurate information. Not only they are reporting to credit bureaus wrong but they adding another company XXXX XXXX Its showing that this account opened and I missed a payments but how this is possible if its charges off. Plus the dispute is still being investigated. So again I do not recognize the account the way its reporting to all three major credit agencies XXXX, XXXX, & TransUnion it does not meet the fair credit reporting act regulations. The payment status, the payment history, the past due balance, current balance, date opened, date last active,, the date of first delinquency are not correct and in some instances they are completely missing. How is this accurate reporting? I am demanding for this to be removed and reflect it in the proper picture on my credit report worthiness. All three major credit bureaus are supposed to protect my information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information currently I made multiple disputes with all three credit agencies regarding this account. My rights as a consumer are being violated under multiple laws 15 U.S. Code 1666b Timing of payments 15 U.S. Code 1681i ( 5 ) removal of inaccurate/ invalidated credit information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681e - Compliance procedures removed this account immediately off my report. PS this is more proof that my information is getting share without my permission and its inaccurate information. Now I feel like I am being targeted by this company because of my race and that I disputed something that is not right on credit profile they continue to break my rights please can this be removed permanently off all reporting agencies including TransUnion, XXXX, XXXX, & XXXX XXXX. Someone needs to be handled responsible for this careless, irresponsible, & racism act.
Consumer complaint received 2024-11-08
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. (FL)

am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XX/XX/year> - {$950.00} INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-12-07
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: AMERICAN EXPRESS COMPANY (OR)

I was using the online bankiing today and saved my online statements and the american express system blocked my card and they are asking to call a phone number again I signed up for a online banking account, not a mobile or phone banking account I'm travelling for business and I do not use the phone, instead a I use the internet banking I can confirm my identity by sending a copy of my document id, a passport they block accounts randomly without a reason
Consumer complaint received 2022-07-24
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Original XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

Approximately 9 months ago I was added to my significant others checking account, the person assisting asked if I wanted to open a savings account as well, I said yes. 2 weeks before XXXX, after the accounts were all used for 9 months a transaction from navy federal out of my savings account totaling {$500.00} wiped the savings account completely out. After attempting to get answers for 3 days via phone, and in person it was concluded that they didnt know and that it was from a charge off account but it was so long ago they could not obtain information. I initiated a dispute to the bank for the prior account ( the only account I had ever had there prior was a joint account which they were very adamant this account was not ). I disputed ever having my own account in 2013, since I was not authorized to have my own account there with this company considering I was no longer affiliated with the XXXX. The only information provided to me, despite numerous requests to provide proof/documentation that they were authorized to blindly wipe out my account, was that there was a balance of {$650.00} from a charged off/closed account in 2013. ( 10 years ago ) I initiated disputing ever owning my own account, and the knowledge of any of this, as well as inquired as to why Id be allowed to join this bank on a joint account, open a savings account, use the accounts for 9 months, before having my account wiped out without any knowledge, and without being provided proof. When I asked for proof, I was told we sent it to you. I have received nothing thus far from this bank regarding money owed, or proof that I owned a private account. I had to quickly release myself from our joint account so no more money would be taken from us ( as it was made clear an additional {$160.00} would be taken immediately once deposited ) causing turmoil 2 weeks before XXXX and funds that were supposed to be deposited. It caused NUMEROUS overdraft fees resulting in {$250.00} in fees on top of the charges that didnt go through. Financially for us XXXX and the XXXX  were ruined due to this banks inability to be professional.
Consumer complaint received 2020-12-05
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. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing stated they paid my taxes on XXXX/XXXX/2020. However, the taxes were not paid and escrow withheld {$44000.00} at sale of property on XXXX/XXXX/2020.