davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (CA)

This company is trying to collect on a previously discharged Bankruptcy debt that was discharged back in 2018 by a Federal Bankruptcy Judge in California. Also, this debt was established by a Business entity and established with the Business ' Employer Identification Number issued by the IRS to an Established and registered Corporation that was legally formed and recognized by the California Secretary of State. This collection company is falsely trying to come after me for this XXXX  debt when I never used my own personal social security number to establish this XXXX account nor did I agree to being liable for this XXXX account at any point during the life of this business account with XXXX, but yet the Collection Company, Convergent Outsourcing, is still trying to illegally collect on a Corporate Business Debt that was established solely by the Business Entity and not by any of it's corporate officer 's or myself, XXXX XXXX. This is why I had included this debt in my Bankruptcy filing back in 2018 anyway because of the necessity to try to protect myself from anybody that tried to illegally collect on any of the XXXX debts in which I had an involvement with at that time, just in case. Also, I would like to mention in this complaint that I have already tried to bring this issue to their attention by initiating a dispute with XXXX,  but they somehow miraculously lied to XXXX  about this debt because it was not removed from my credit report after the dispute. I am not sure how they were able to verify to XXXX  that this discharged bankruptcy and business debt somehow should still be collected upon by this company, but whatever it was that they told them, it was clearly a false and incorrect statement regarding this account because it still remains on my credit report with them. That's fine because now I have one more thing to add to my lawsuit against them if this does not get resolved here at this level.
Consumer complaint received 2020-12-21
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. (NJ)

Theres been many letters sent out every month for the entire year including last year it was regarding name and credit error, I have every certified tracking information to prove that even if decided to now sue for creation of damages since am unable to purchase a place to live during this pandemic which nobody seems to give a XXXX  ( yes, now i'm being transparent, tired of the XXXX  ) cause the one am disputing with not going through what am experiencing with my credit report, then you'd understand. 

ADDRESSED : XXXX  been asked several times to remove the current name being reported which is not my name, EVEN sent in my social security card all year around. Lets be XXXX clear I'm a XXXX XXXX NOT A XXXX RESIDENT , lets get this XXXX  together. USE THE SOCIAL SECURITY CARD PROVIDED TO CORRECT the INFO and HAVE THIS TRANSFERRED TO THE SENIOR MANAGER if no one knows how to do the job correctly and IMMEDIATELY TO BETTER MY LIVING SITUATION. Speed up the investigation process under 15 days, waited long enough to have the XXXX   corrected. 

ADDRESSED : XXXX  I've also asked you to remove the incorrect addresses, employment, inaccurate XXXX  XXXX XXXX account OFF MY CREDIT REPORT all year around also just like Experian did delete the inaccurate information listed as stated, make sure this is a speeded process under 15 days ADDRESSED : EXPERIAN once again for the 11th time, correct the late payments on the XXXX XXXX  XXXX, ASAP I've never been late on neither one of my accounts even during the pandemic fix these errors now
Consumer complaint received 2023-02-16
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. (MI)

I acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX Experian and XXXX XXXX did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Experian XXXX XXXX XXXX violated my rights
Consumer complaint received 2020-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc. (OR)

While on the lendingtree.com web page i was seeking an installment loan, I was re-directed to XXXX, who presented itsself as a genuine loan company. I followed the procedure,, then XXXX wanted my bank rt # and acct # to proceed, i supplied them with the information, believing they were the financial co that would be processing my loan, only to find out that i will need to supply them with my credit score from a credit resource they are affiliated with, for absolutely no cost, When i get to the XXXX  XXXX XXXX XXXX i find out i can not proceed with my loan request untill i submit my credit card info and pay {$1.00} for the credit report, i submit the required {$1.00}, I see the report an then am put into a forced agreement telling me that i have now purchased a {$39.00} per mo credit XXXX product and the only way out is to phone them within 7 days to cancel. I immediately stay on the site and search for the telephone # to cancel. after A WHILE ii find it and cancel. so now i have no credit report, my banking information was fraudlentuly required by XXXX. and u don't have a clue why they require it, a waste of multiple hours, leaving myself open to identity theft. and I want Lending Tree to change their policy 's concerning, where customers are directed to when they think they are dealing with a reputable company represented by Lending Tree. Thank You
Consumer complaint received 2020-12-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Credit Reporting Without Consent Dear Sir/Madam, I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX, XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 

Details of Disputed Entries : Creditor Name : USAA Account Numbers : XXXX Amount : {$2800.00} Dates of Unauthorized Reporting : XXXX, XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX Since I never gave consent for this information to be reported, I am requesting that these entries be removed from my credit report immediately. Please take the necessary actions to investigate this matter and correct my credit report accordingly. 

Additionally, I request written confirmation that these entries have been removed from my credit report and that you have informed the creditors involved about the removal due to lack of consent. 

Thank you for your prompt attention to this serious matter. Should you need any further information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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. (CT)

XXXX XXXX XXXX has a hard inquiry that i don't recognize on XXXX and XXXX XXXX gets me a hard inquiry for a Business card application that they mentioned would not affect the personal credit score.
Consumer complaint received 2017-07-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Ballybunion Enterprises, Inc (FL)

Military Credit Services sued me in a XXXX XXXX XXXX Court XXXX 2012 they sued me illegally in the state because I never lived there or have I ever incurred a debt in the state of Virginia I also received settlement pay from being sued illegally by this company.
Consumer complaint received 2020-12-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Consumer complaint received 2017-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TX)

For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$370.00}.
Consumer complaint received 2022-11-18
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. (AL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Made several attempts with my loan servicer " SPS '' " Select Portfolio Service '' for loan modification after exercising my rights as per the Cares Act-Freddie Mac Loan to request mortgage loan relief -after Forbearance. 
I have maintained my current normal monthly payments after the allowed 18 month forbearance period. 
Repeatedly I have requested a payment " Deferral Plan '' Every response from the Servicer has been a denial, with no explanation other than I don ' t meet the requirements. Instead I have been offered a {$82000.00} -12 month repayment plan with a balloon payment at the end. Needless to say I can not afford I believe the proposed plan is in contradiction to what is afforded me under the Cares Act Effective as XX/XX/22 the servicer has sent me " Notice of Default as well as " foreclosure referral letter '' I simply would like a " Deferral repayment Program and the Default notices retracted
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2022 I received a text message from what appeared to be Wells Fargo asking if I had initiated a XXXX transfer for {$2500.00}. It asked me reply Y or N. I replied N. Soon after, I received a phone call from what appeared to be a Wells Fargo representative to " help '' me recover my funds. He was very professional and I was taken in by him. He told me I needed to " self-pay '' the funds back to myself. He had me use XXXX to pay myself first {$1500.00} then {$1000.00}. Even though it was my name and my phone number on the XXXX XXXX, the money was, of course, routed to the thief. I immediately called Wells Fargo and was issued a provisional refund of the {$2500.00} while they investigated. Yesterday I received two letters from Wells Fargo Fraud Department, one for each transaction, telling me that the provisional refund would be taken out of my account on XX/XX/XXXX as there was no evidence of fraud. I was completely taken in by this person, spoofing Wells Fargo, then spoofing my phone number and name to take {$2500.00} from me. Does Regulation E : Electronic Fund Transfers not protect me against this kind of fraud? 

Wells Fargo did take the provisional refund out of my account yesterday. I wrote a letter to the bank a week ago, included the police report but have not heard back from them.
Consumer complaint received 2020-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-22
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. (FL)

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I did a fund transfer from Chase Account to XXXX Account on XX/XX/XXXX with {$20000.00}. 
The fund was rejected by XXXX XXXX however the funds didn't come back to my chase bank account. I've contacted with XXXX XXXX, attached is the email from XXXX XXXX branch manager. 
Per XXXX XXXX the fund was rejected and XXXX has already contacted with Chase for the refund approval months back. Please help identify why Chase didn't approve the refund request from XXXX and refund my account?
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

I have been an american express card holder for decades. I have been making full payments on time al through my history with them. For past few years, the payments are being made via XXXX XXXX  but have had no issues until past few months. This year, I have had two instances where my payments were supposedly received " late '' by one day by American Express. The first time, they reversed the fees and interest charge but this second round they are refusing to refund the interest charged. I have proof of timely delivery of electronic payment from my bank, on the due date, to american express. It was withdrawn from my account two days prior to the due date. American express claims to have received it a day later and charged me interest on the balance and late fee. I have made multiple requests for interest charge refund, American express has not provided any proof of delayed payment receipt. I also find it petty that they are using some possible electronic glitch to leverage it to charge fees and interest rates to customers. How many other customers are being charged interest rates in this manner for payments are that are not " truly '' late?
Consumer complaint received 2023-01-02
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.