davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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: Convergent Resources, Inc. (OH)

Hello on XX/XX/23 i paid Convergent Outsourcing , Inc . {$250.00} for a past due XXXX XXXXThe Convergent agent told me on a recorded phone call that when i paid {$250.00} that they would delete the collection from my credit report in about 45 days.The collection was never deleted.Can you guys some how verify what iam saying because we were on a recorded call.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (TX)

In Accordance with the Fair Credit Reporting Act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 7 years.
Consumer complaint received 2023-07-24
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: Resurgent Capital Services L.P. (NY)

FCRA 611 ( 15 U.S.C. 1681I ) Account has been disputed with Credit Reporting Agencies multiple times- still appearing on my accounts. Attached is a dismissal from XXXX XXXX XXXX verifying this information was incorrect & ordered by the court. 

XXXX XXXX XXXX
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (PA)

In XX/XX/2017, I bought vacation package from XXXX for my family ( XXXX people ). 
XXXX sold me a package - which was a classic bait and switch the description of the property online was not the reality. When I bought this vacation package I used credit card American Express Delta SKYMILES. 
During vacation I had multiple issues, and when I come back from the trip I called American Express and asked their support to protect my interest as a customer and help me return the money for the trip.Americam Express representatives answer was : we are going to investigate this matter. 
After some times, American Express sent me a letter saying that they did their investigationand that they needed more information from me. This went on for 5 months where I would get a letter that they needed more information and every time. Multiple times they told me they can not help with this matter and it needs to be taken up with XXXX. American Express did not protect my interest. I tried to reach management of American Express or legal department many times, however, it was always useless. The last time that I tried and finally got ahold of a manager- she was very rude and nasty to me. She would raise her voice and shout at me, she treated me like I was garbage and she was doing me a favor for even picking up the phone to speak with me. I asked her who gave her the right to talk to me like this, and she responded XXXX is one of our biggest customer and we do not want to ruin our relationship is them just because of you. 
It took me one and a half year to protect myself in the courts against XXXX. I have won the case against XXXX twice- once in thesmall claims Court of XXXX , and after- in their Arbitration Court ( XXXX tried to appeal the original ruling ). I finally got my money back, but I spend a lot of time and energy its was damaging to my character, it was difficult to protect myself when American Express should have stood behind me and protected my rights as a customer. 
I can provide copies of the Court Orders and the copy of the check which I finally got back from XXXX. I wanted to let everyone know how American Express customer service representatives, management and legal departments do not stand behind their customers and protect their rights.
Consumer complaint received 2023-07-24
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. (MN)

My wallet was stolen from my handbag while in my possession on XX/XX/2023. I was effectively pick-pocketed. ( I filed a police report the evening this occurred on XX/XX/2023. ) The thieves quickly attempted many fraudulent multi-thousand dollar transactions at XXXX XXXX in XXXX, MN. Two fraudulent transactions were successfully made the evening of XX/XX/2023. One for {$3200.00} was made using my debit card and I'm working with my bank on resolution of it. 
The other one was for {$4200.00} made with my XXXX XXXX XXXX XXXX card. This is the one I'm filing a complaint about. XXXX XXXX XXXX not only reported this charge to the Credit Bureaus XXXX XXXX, XXXX, and Experian - prior to my account statement cycle closing ; in addition their authorized charge also put my account over the credit limit and has had a significant negative impact on my credit score. One of my bureau scores ( XXXX XXXX XXXX  ) dropped XXXX points following XXXX reporting of this charge to the bureaus. I have made several calls to the XXXX XXXX XXXX Customer Service team to request they work with the bureaus to remove this information from my credit file. On XX/XX/2023, I received an update from XXXX XXXX XXXX ( XXXX ) with an assurance that the bureaus received a request from XXXX to remove the fraudulent information from my credit reports. I was told XXXX " obviously recognizes it's a XXXX error ''. I have no guarantees of how quickly this will be resolved. Their internal credit bureau reporting processes failed and they are at fault for reporting this fraudulent charge to the bureaus and it turn causing my credit score to lower substantially.
Consumer complaint received 2023-07-26
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. (MO)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX Wells Fargo Customer Service Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Urgent Dispute Resolution for Unauthorized Transactions and Funds Restoration Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the unauthorized transactions that have occurred on my account, as well as the delay in the restoration of funds by Wells Fargo XXXX This situation has arisen at an exceedingly challenging time for me, as my grandmother recently passed away, and my family and I urgently need to travel abroad to attend her funeral. I implore you to promptly address this matter and return the funds to my account, as it is critical for our travel expenses and necessary arrangements. 

Last year, I discovered several unauthorized transactions on my account, which I immediately reported to your customer service department. I followed the prescribed protocols and completed all necessary paperwork to initiate the dispute process. While I understand that thorough investigations are required, it has been an extended period since I filed the dispute, and the funds have not been restored to my account. 

The sudden loss of my grandmother, coupled with the financial strain caused by these unauthorized transactions, has left my family and me in a distressing situation. We depend on the funds to cover essential expenses related to travel, accommodation, and funeral arrangements. The continued delay in resolving this matter has added further emotional and financial burden during an already difficult time. 

I kindly request that you expedite the investigation of these unauthorized transactions and promptly restore the funds to my account. The urgency of this request can not be overstated, as my family and I need immediate access to the funds to fulfill our familial obligations and to mourn the passing of our beloved grandmother. 

As a longstanding customer of Wells Fargo, I have always appreciated the exceptional level of service provided. However, the current situation has left me disheartened and concerned about the resolution process. I trust that Wells Fargo will prioritize my dispute and take swift action to rectify this matter. 

I kindly request your utmost understanding, empathy, and cooperation in resolving this dispute at the earliest convenience. Your prompt response and resolution to this matter would significantly alleviate the financial strain and emotional burden experienced by my family during this challenging period. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and the restoration of the funds to my account. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (TX)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.
Consumer complaint received 2023-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

Navient bought my loans from Sallie Mae, sold them to a collection firm in XXXX and now I am being garnished from another collection company in XXXX XXXX called XXXXXXXX XXXX XXXXXXXX, even though part or all of these are supposed to be discharged! ( See below ) Sallie Mae has claimed private loans were sold to Navient, then Navient refuses to deal with me, as they were sold off to XXXXXXXX XXXX XXXXXXXX collections in XXXX  XXXX. As per my understanding, the following has taken place and applies to me : To qualify for discharge under the Navient settlement, a private student loan must have been originated between XXXX and XXXX by Sallie Mae ( SLM Corp. ) and must have been charged off by Navient as of XX/XX/XXXX. Additionally, the loan must meet one of three conditions. 

The borrower at loan origination had a FICO score below XXXX and attended a for-profit school or below XXXX and attended a non-profit or public school The loan was used to attend of the for-profit schools included here under # 6. 
The loan originated under Sallie Maes opportunity or Recourse program. 

I did have a FICO score under the XXXX and attended a non-profit school within the time frame of these loans being offered. XXXXXXXX XXXX XXXXXXXX, through Sallie Mae and Navient, is still collecting on these even though this took effect over a year ago! In other words, XXXXXXXX XXXX XXXX jumped on this in XXXX, knowing this was NOT supposed to take place. 

Dealing with this group is very difficult. They never act forthright, use courts to intimidate and bully, collect on my pay through back door means and likely bought this debt for pennys on the dollar, yet are collecting it all!
Consumer complaint received 2023-07-24
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 credit bureau continues to report the following inquiries which is a result of identity theft and is not mine. I have not applied for them. 
Furthermore they also failed to respond and or provide me with documentation and proof that this is in fact mine. Which is impossible for them to provide but yet they ate still reporting it and it is highly damaging my report. 

The inquiries are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX inquiries are not mine and was somebody that keeps messing with my credit. ( Also XXXX XXXX is a credit card that they did close the card also due to fraud ) but the inquiry is still there.
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IL)

Around XX/XX/XXXX I got a call from convergent collection agency stating that I owed an {$800.00} debt to XXXX, and they were pressuring me into paying over the phone at that time, so I told them I would call back, and I reached out to XXXX, seeing as how I am a current customer with them and have never missed a payment. The representative that I spoke to checked my current account that I had joined with my husband, and didnt find any descrepancies. From there he attempted to check the account we had closed out in store, when me and my husband merged phone plans. He stated he was locked out of the account since it was closed and I never set up a pin for it, but that it did not come up as flagged as delinquent nor did it flag as being sent to a collection agency. On XX/XX/XXXX I checked my credit report which I do quite often, and it showed a delinquent mark/ debt collection from XXXX. I called XXXX and after allot of being sent back and forth they were finally able to retrieve my closed account, and then confirmed that I had an {$830.00} bill that they had sent to collections. My complaint and what I would like to fight is that I closed my account and added a new one, The same day in store. And would have payed any balance I had if I were told. But not only did the in store manager not inform us of that there was anything unresolved with the account, we never got any bill, or any communication from XXXX saying that I had owed them anything. I closed that account out in XX/XX/XXXX, but was still a customer with them, in good standing, and it took 2 years for a debt collector to reach out to me about the balance, that XXXX representives could not verify until a few days ago. Now my credit report is damaged, and I would like to fight this. I would pay what money I am found to owe, but I would like this expunged from my credit
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Consumer Financial Protection Bureau, I am writing to file a formal complaint concerning unresolved unauthorized hard inquiries on my credit report with TransUnion and XXXX. Despite my sincere efforts to rectify this issue, the credit bureaus have mistakenly assumed that the requests were made by a third party, leading to a lack of correction. 

On XX/XX/2023, I sent certified letters to both TransUnion and XXXX, explicitly requesting the removal of unauthorized hard inquiries from my credit report. The envelopes were hand-written, bearing my return address, also handwritten by me, and mailed from my local USPS office , along with a copy of my DL, clearly indicating that the requests originated from me as the account holder. 

However, to my dismay, the correspondence I received in response stated that no errors were corrected because it appeared as if the request came from a third party. This is deeply concerning, as I took every precaution to ensure the legitimacy of the requests, and I have legitimate concerns about my credit report accuracy. 

I kindly request your immediate intervention in this matter. I believe that there might have been a misunderstanding or mishandling of my letters by TransUnion and XXXX, resulting in an incorrect assessment of the situation. 

Enclosed with this complaint are copies of the original letters sent to both credit bureaus, along with the certified mail receipts, which serve as irrefutable evidence of my genuine attempt to resolve the unauthorized hard inquiries. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate the prompt removal of the unauthorized hard inquiries from my credit report. It is crucial to ensure that the credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) and accurately represent the information provided by consumers. 

Thank you for your attention to this pressing issue. I am eager to see a swift resolution to this matter and regain the accurate credit report representation I am entitled to as a responsible borrower.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2019 I was attempting to login to my accounts and discovered both my business and personal accounts were locked out. I contacted the customer service number and was transferred to the account closure team who informed me that Bank Of America decided today that they would be ending the business relationship with me for no reason. 

I asked about the funds in my personal account and was told that they would not be releasing my funds to me. I want to make sure that my funds from my personal checking account are released immediately and I am paid interest for the days that I don't have my funds. 

Further legal action will take place if needed.
Consumer complaint received 2023-07-26
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. (MN)

I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed 15 USC 1681 section 602 Alpha 15 USC 1681 604 Alpha Section 2, 15 USC 1666 Bravo, 15 USC 1681 B. All which states these inquiries must be removed.
Consumer complaint received 2019-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AZ)

XX/XX/2019 received Debt statement from US DEPT OF EDUCATION. Stated that they hold the defaulted student loan and balance was now due. Letter shows original amount of {$1900.00} & {$3500.00}. Never knew these loans existed. Never had a Loan Servicer assigned to me. Never received correspondence regarding this loan was active. Now, received letter from collection agency XXXX XXXX XXXX XXXX stating balance owed is now {$6900.00}. What would be my next action step since none of these firms advised me of what was due. Never received billing statement, never knew these even existed. 
Rules were not followed to support these Federal Loans. What are my options?
Consumer complaint received 2019-05-20
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: AMERICAN EXPRESS COMPANY (NY)

After several attempts, I like to resolve this with American express themselves I was unsuccessful. Every time I called I was given false promises and it is very well-documented. 


It all began when I realized 4 fraudulent transactions on my American Express credit card, and in accordance with the fear credit billing act and terms and conditions from America express that I am not liable for FRAUD. 

Turns out, after my first call to notify American Express they did indeed give me a temporary credit until they finish investigating. However they reversed it with no explanation. 

I then got numerous letter from American Express that due to the nature of the fraud claim they are unable to help me ( thereby liable to pay it ).