davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

I made a complaint against XXXX today already on this. Months ago, I was occasionally receiving mail from a company known as Convergent ( I think it is a debt collection ) showing I owed XXXX over {$5500.00}. I honestly already threw them out because I thought this was all over. I went to my local XXXX store at XXXX XXXX XXXX, XXXX XXXX, VA XXXX and had numerous phone calls with XXXX. 

I was told that the letter looked like a fraud scam to them and the account numbers shown in the letter showed nothing in theirs for an account for me. 

After I called XXXX today, they were incredibly rude and after I kept asking for documentation on a dispute that she claimed she was filing for me ( but kept telling me to come here .... ). I recorded the entire conversation on video. 

XXXX decreased my credit by XXXX  points recently because of some XXXX account. I have no XXXX account that I don't already spend monthly expenses on.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate. Accounts for deletion : N/A XXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I HAVE SUBMITTED SEVERAL DISPUTES TO THE CREDIT BUREAUS AND THEY ARE NOT RESPONDING AT ALL. THIS IS NOT RIGHT. 

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT. 


SEE ATTACHED CREDIT DISPUTES AND INQUIRES
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I need your assistance regarding this misleading account on my credit report. This issue has negatively affected my reputation, and I require your support. Your mishandling of my credit report has left me feeling XXXX, as this misleading information has damaged my standing. It is essential that you eliminate this incorrect information from my credit report.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

XX/XX/XXXX Credit Corp Solutions Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX. Internal reference number DT XXXX. 

Contacted me via letter to inform me of a XXXX XXXX XXXX debt. 
Account:XXXX previously known as XXXX Opened on or around XX/XX/XXXX. 
Last Payment XX/XX/XXXX. 
Charged off XX/XX/XXXX, and been transferred to them from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 

I contacted them via telephone to inquire about a collection account on my credit report for this XXXXXXXX XXXX XXXX I had never requested or applied for. Upon speaking with the representative I learned the address used to apply for this credit card was one I had occupied in XXXX. I have lived in XXXX since XX/XX/XXXX. 

The only help offered by them was to send me a XXXX XXXX  Fraud Investigation Form. I filled it out and submitted it back to them. I also filed a police report for ID theft with my local police department and submitted the name of the detective and gave my permission for them to communicate with the detective about my credit. 

Their " investigation '' consisted of a form letter with the same information I received in their initial correspondence informing me of the debt owed. 

I then disputed the debt owed and requested copies of proof I owed the debt, a copy of the original contract I signed with XXXX XXXX. I also requested that they remove this invalidated debt from my credit report. 

They never responded to any of my letters but they did remove the item from my credit report. 

The complaint is now they have knowingly transferred ( sold ) or hired another credit collection company that has been disputed and removed from my credit report. 
The company is XXXX XXXX PA, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I will submit copies of the letters sent to Credit Corp Inc as well as the tracking numbers for all correspondence I had with them in XXXX.
Consumer complaint received 2024-10-15
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. (NJ)

I looked at my XXXX credit report on XX/XX/scrub>XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-06-12
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. (MD)

Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX  account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : 1. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( 98percent usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section.

2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX  to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Carma Enterprises Inc (MO)

On XX/XX/2023 a charge for {$43.00} for XXXX XXXX XXXX was deducted from my account. 
XXXX noted as : other. In XXXX XXXX Nevada. I'm not sure how this happened, as I do not watch XXXX.
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

this is not the 6th complaint as shellpoint continues to keep playing XXXX. 


XXXX was paid to shellpoint 3 times in XXXX of XXXX. 
When Shellpoint received funds from HAF a year later from the state of maryland. 
They applied montly mortgage payments to the 3 months that already were paid XXXX times 3. 
So double payments XXXX. Shellpoint needs to credit the XXXX times 3 as payments the account fo rany current monthly payment due this year. 

XXXX. Stae of Maryland has rules that the mortgage balance is brought fully current with Shellpoint when the last payment was received and processed by Shellpoint. 
As this was 4th week of XX/XX/XXXX, Shellpoint was required to state that the mortgae is now reinstated AND CURRENT. 

But shellpoint attempted to claim both XXXX and XX/XX/XXXX payments are outstanding. 
We are contacting the State of Maryland 's Attorney General and other mortgage financial regulation divisions plus the Manager of the HAF program as Shellpoint has refused to abide by their agreement. 
Shellpoint has also failed to send out a mortgage reinstatment letter after numerous requests. 

XXXX. Shellpoint also has failed to list MONTHLY payments made when they used the HAF funds from the Govt for my mortgage. 
By law they need to list EACH month, not just several months at a time. 

XXXX. Shellpoint sent me a demand for nearly 8 thousand dollars in XXXX which is completely wrong number by thousands of dollars. 


These items all need to be addressed PLUS the raise in monthly mortgage payments when they promised state of maryland to lower them
Consumer complaint received 2023-06-08
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. (FL)

I had a hard inquiry on my accounts that I did not make on XX/XX/XXXX. Company phone # XXXX and it's no longer in service. I've had problems in the past before identity theft. I'm going to get XXXX XXXX tomorrow. I think they tried to get a card or a loan. That was denied. Company address is XXXX ( travel-entertainment ) XXXX XXXX XXXX XXXX Ohio XXXX XXXX
Consumer complaint received 2023-06-08
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. (CA)

I have been a victim of identity theft ; Im writing to you to inform you that someone stole my information and opened a credit card under my name. Im requesting you to remove the account from my credit report ASAP. This is a fraudulent account in my credit report. Here are the details. 

XXXX XXXX, XXXX - XX/XX/2022 2022
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-08-27
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. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX at XXXX I was notified the funds in my account were low. I logged on to online banking to see my money was on hold. I called customer service who told me that they are issuing me a check out for funds. I asked why was my account closed? They stated they could not verify my identity when I went to branch to open account and verified my identity. I am relocating to another state and this has caused me a big inconvenience. I had to get check mailed to a Wisconsin address and there is a 50/50 chance I may not be relocating. I should have been able to walk in the bank to get my funds. This bank sucks. I will make sure I file this complaint as well as one through the XXXX XXXX XXXX. I was handled terribly as a new account holder. I also had direct deposit switched over and now have to switch everything over to another account. I also have to wait ten days for my funds.
Consumer complaint received 2024-08-25
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. (GA)

Account name ; XXXX ACCT # XXXX Account name ; XXXX XXXX Account # XXXX Account name ; XXXX XXXX ACCOUNT # XXXX Account name ; XXXX Account # XXXX XXXX Account name ; PROSPER MARKETPLACE IN ACCOUNT # XXXX XXXX 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. 16815-2 ( 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to contact Transunion and access my account so I could check my account information and place a freeze on my credit report. When I try to access my account it gives me an error that the site can not verify my identity and I must call, text, or chat with a live agent to verify my identity. No representative provides their employment ID or any details but requests that you click a weird link they text you from a random number, or when you call and speak to a live agent, you get someone in XXXX who wants your full name, phone number, address, and full social security number over an unsecured line just speaking it out loud. Then if you are dumb enough to do that, then they ask a lot of detailed personal questions to " verify '' your identity. This SCREAMS fraud and identity theft and the highest level just spilling all those details over unsecured lines and clicking random phishing links where you enter that information. This is so risky for anyone trying to access their information and the company should be ashamed of themselves. They are doing everything places warn you about not doing to protect yourself and they expect people to just do it and lose everything?
Consumer complaint received 2023-06-09
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: Mortgage Research Center, LLC (TX)

All companies listed below have unauthorized inquiries on my credit report, names and dates are included. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Date XXXX XXXXXX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : 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