davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance Bureau of Collections (GA)

I contacted Advance Collection in XX/XX/XXXX disputing information being reported on my credit report. Advance Collection sent me some registration paperwork but fail to provide me with proper documentation for the amount that they are claiming that I owe. I contacted the credit bureau in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting documentation for the information being reported on my credit that is damaging my credit I never received any documentation of proof that I owe the money being reported.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, 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. (AZ)

I sent a letter to Experian, XXXX, and XXXX explaining to them that there were accounts on my report that I never gave written consent to be placed on my report. These letters were all sent out to these three reporting agencies on XX/XX/XXXX. It has almost been a month since this letter has been sent and many of those accounts remain on my reports. Pursuant to 15 USC 1681 ( o ) it states that my consent was supposed to be provided to any companies reporting to these agencies. I never consented to these being placed on my report.
Consumer complaint received 2022-06-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Americor Funding, LLC (ID)

I started using Americor for my consolidation of my debt in XXXX of XXXX. 

I have been making my payments consistently and on time and have never been late or missed a payment of {$300.00} a month. 

I have been sending all notices and have been in communication with them consistently and promptly as requested. 

At the beginning of XX/XX/XXXX I was served a lawsuit from XXXX Bank being represented by XXXX XXXX XXXX. The plaintiff is listed as XXXX XXXX XXXX XXXX. The Case No. is XXXX. The paperwork is dated XX/XX/XXXX. I was served the paperwork, I believe on XX/XX/XXXX. 

I notified Americor of this issue who informed me that they are not lawyers and do not staff any. However, I should sent the required reply and notify them that Americor is handling my debt and will be handling my case. 

I sent in the letter to the court and on XX/XX/XXXX. I recieved a letter from the court indicating they could not accept my response unless i paid a {$130.00} filing fee. Since i have recieved this response so late, I believe another response or paying the filing fee by this Monday will be too late and the courts will determine I have defaulted for not providing a response within the deadline since they did not accept my initial response. 

Americor has been taking my money and has not been paying my creditors. This has resulted in legal action against me and Americor does not appear to be capable of handling or resolving the issue.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I was denied for a credit card from XXXX XXXX  ( I've also received the same information from the Social Security Administration when trying to set up an online account. According to the SSA they use Experian to verify identity when someone is trying to set up a new account ) and only reason stated on the letter of denial was that Experian had and alert on my credit report file instructing lenders to contact me prior to extending credit. I followed up with Experian which is very difficult to do since they make it as hard as possible to get to live person. Once you reach a live person they are in the wrong department to help and they disconnect you when transferring to the correct department.
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OH)

I do not owe debt as claimed by a XXXX XXXX collection agency. I have spoken to agent who has agreed to remove this debt. However, I have had recurring of debt being removed but re-reported numerous times into my credit files.
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NC)

On XXXX XXXX, XXXX I was notified by my county that our county tax bill was many months past due and a lien was about to be place on our property. I immediately paid the XXXX tax bill plus a late fee out of pocket even though our taxes are escrowed in our mortgage loan. I quickly called Guaranteed Rate and provided them with a receipt of my payment for a refund, but they have failed to provide a refund in the following 6 weeks. A case has been escalated multiple times to their Tax resolution department, but has been closed twice now with the company finding that they do not owe us a refund because the details are being improperly communicated internally. XXXX continues to " escalate '' the case and promise to call back with a resolution, but we have never heard from them and have spent countless hours on the phone trying to resolve the issue. I am unable to speak directly with anyone the case is being escalated to.
Consumer complaint received 2022-05-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

In accordance with the fair credit Reporting act Portfolio Recovery assoc XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-07-06
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

please investigate the following accounts properly, multiple errors and discrepancies from previous reports. 
multiple occasions when the accounts information were incorrect and had to be updated. 


accounts with multiple incorrect payment history In accordance with the fair credit reporting act XXXX accounts of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX, Has violated my rights [ 15 U.S.C. 1681 ] section 602 A Congressional findings and statement regarding respect for the consumer 's right to privacy. [ 15 U.S.C. 1681 ] section 604 A section 2 : Any consumer reporting agency can't furnish a consumer report without the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Equifax violated the law US CODE TITLE 15 U.S. Code 1681i, account had discrepancies and incorrect information for the following accounts : XXXX XXXX : account number ending with XXXX. Account had incorrect following information that were updated with last investigation : scheduled payment, terms duration, activity designator, and account history. Changed the late payment date from XXXX to XXXX
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (DC)

My card number was stolen and used for several transactions, I reported the transactions to my bank but they have not refunded me for the fraudulent transactions. 
- XXXX XXXX XXXX - {$20.00} XXXX XXXX GA - {$330.00} -XXXX *XXXX XXXX XXXX {$660.00XXXX XXXX XXXX XXXX XXXX DE - {$11.00} XXXX XXXX XXXX DE - {$160.00} -XXXX XXXX XXXX XXXX DE - {$71.00} -RXXXX XXXX XXXX XXXX DE - {$30.00} -XXXX XXXX XXXX XXXX {$50.00}
Consumer complaint received 2020-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2020 I looked on to my USAA account and discovered two a XXXX  a savings and checking account hold jointly had been drained of all funds.Upon review of the transactions here is the list of the fraudulent ones : Savings Account XX/XX/XXXX XXXX withdraw - {$65.00} XX/XX/XXXX XXXX withdraw - {$430.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX XXXX deposit {$1000.00} XX/XX/XXXX USAA funds transfer from account - {$200.00} XX/XX/XXXX XXXX withdraw - {$400.00} XX/XX/XXXX XXXX withdraw - {$570.00} XX/XX/XXXX XXXX withdraw - {$600.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX USAA Funds Transfer - {$40.00} XX/XX/XXXX XXXX Deposit {$400.00} XX/XX/XXXX Deposit Check via mobile ( check is made out to a person not known to either account owner and made out for {$170.00}, tried to deposit the check for {$1000.00} ) XX/XX/XXXX XXXX withdraw - {$400.00} XX/XX/XXXX XXXX withdraw - {$400.00} Checking account XX/XX/XXXX USAA funds transfer to account - {$200.00} XX/XX/XXXX XXXX withdraw - {$430.00} XX/XX/XXXX USAA funds transfer {$40.00} XX/XX/XXXX XXXX withdraw - {$100.00} USAA was called on XX/XX/XXXX and notified of the suspicious activity on the account. No response from USAA, called on XX/XX/XXXX and wanted to speak to the joint owner of the account. XX/XX/XXXX called to get case number and update, and was told to wait 10 days. Called XX/XX/XXXX and went into all the transactions. Upon discussion USAA it was discovered that USAA contacted us on XX/XX/XXXX to notify him of a new device added to his account. When looking through his gmail account none of the notifications were in his email, nor trash. USAA notification for deposits and adding access to XXXX was all gone. USAA recommended changing passwords and running a credit check. The criminal might have used access to our email account to then authenticate themselves for the USAA transactions. 
Looking through the gmail account odd emails had been found. It turns out all emails being sent to a XXXX XXXX were in our account. An email was sent to XXXX XXXX and he responded to say that his email had been hacked and that he also had a {$1000.00} bank fraud. 

USAA has not been forth coming with the fraud investigation, no case number has ever been given.
Consumer complaint received 2020-08-13
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. (NC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-03-28
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-28
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (CA)

Left messages for them to call me back since I cant not make full payments. To try to resolve this matter. Called not only my family after I said not to but all threat them if I dont pay in full right away they will also go to jail
Consumer complaint received 2020-08-13
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX   XXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, 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. (GA)

Reinvestigation of every Inquiry listed below because I did not authorize that my credit be run like it was. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights in accordance with the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! 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 XXXXXXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. 15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. 15 USC 1681c-2 ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. 15 USC 1681s2 ( 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (GA)

Referencing back to Complaint:XXXX XXXX is still failing to reinvestigate for the following accounts XXXX Bank and XXXXXXXX XXXX of the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. EXPERIAN has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX2022 in one of the attachments below due to not having my written consent so I demand XXXX to reinvestigate and remove and block both accounts XXXX BANK AND XXXXXXXX XXXX  XXXX I demand for EXPERIAN to comply block and delete XXXXXXXX XXXX because that account came from XXXX BANK that they removed from my consumer report. On XX/XX/XXXXI sent XXXXXXXX XXXX an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX XXXX XXXX received a cease and desist letter on XX/XX/XXXX and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.
Consumer complaint received 2020-07-06
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AZ)

A letter sent to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Amount Owed : {$630.00}, Dated XX/XX/2020, Creditor : XXXX, Client Account # XXXX, Letter Sent by : Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX, Phone : XXXX www.payconvergent.com. I called Convergent on XX/XX/2020 at XXXX XXXX. ( MST ) to speak with them regarding this bill. 

I called Convergent and spoke with XXXX XXXX, debt collector and XXXX XXXX, XXXX. XXXX said they are calling from XXXX ( didn't get the street name ), XXXX, MI, XXXX XXXX XXXX XXXX. I told her I don't have a XXXX Account and didn't know why I received a bill from Convergent. They wanted my full name so I told them.They also wanted the last 4 digits of my Social Security # and I got scared and upset so I hung up the phone. She also asked me if I wanted to do any future business with XXXX. I was then totally confused because I'm not sure why she would ask me this question? I repeatedly told her I never had a XXXX account! SCAMMER! They are trying to get money for a service I never used.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

this week while checking my email I received an update on my credit report upon viewing I notice a hand full of inquiries that were not made by me. I tried disputing and received no response this is a violation of my rights as a consumer. I'm currently stationed at XXXX XXXX with the US XXXX I've been here since XX/XX/2022 there no way these inquiries were made be me. 


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