davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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: Convergent Resources, Inc. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Convergent Outsourcing Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Consumer complaint received 2021-09-29
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-29
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: Credit Plus Inc (MD)

1. CreditPlus - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. XXXX XXXX - I never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the XXXX loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. XXXX - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : XX/XX/XXXX
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MI)

Early Warning Services located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is reporting inaccurate information about me publicly. I have submitted two notices to this entity. The first notice was a request to place a security freeze on all data reporting about me publicly. The second notice was a request for this entity to cease and desist the reporting of fraudulent data about me publicly.

Early Warning Services first response to my request for a security freeze to be place on my file was a letter denying my request for a security freeze and copies of their file listing my personal data. Early Warning Services second response to my notice to cease and desist the reporting of all fraudulent data about me publicly consisted of the exact same letters I received from my first request.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have had identity theft done to me and itis noted on the website of XXXX and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX Bank # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : 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
Consumer complaint received 2021-09-29
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. (PA)

I dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.
Consumer complaint received 2021-09-29
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. (PA)

I dispute any and all alleged debts listed in my attached documents. If you believe I am in debt to your company I need to see the burden of proof. These accounts should not be reporting on my credit report without validation.
Consumer complaint received 2021-09-29
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: JPMORGAN CHASE & CO. (GA)

This case is continuation of previous case # XXXX I submitted to CFPB. Chase did not resolve my issue. I left couple of messages for the XXXX ( executive officer assigned ) but I never got the call back, while appreciate chase listen to my conversation with the agent and found agent didn't meet quality standard but I don't feel chase is doing anything to resolve actual issue. I am charged for the ticket price however, XXXX XXXX claimed they have refunded my ticket I have provided all the proof provided to me by airline.
Consumer complaint received 2021-03-11
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. (MD)

Equifax has refused to update the status of accounts despite me providing information from the creditors agreeing to delete tradelines. Inquires deemed fraudulent by two other bureas, Equifax refuses to acknowledge. Any conversation ends with the customer service representative hanging up and the dispute status online never updates
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent a letter on XX/XX/2021 by USPS certified mail to XXXX, Experian, and XXXX, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/2021 by USPS certified mail to XXXX, XXXX, and TransUnion, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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: NCB Management Services Inc. (MD)

Credit reports from XXXX, and XXXX show a car repossession listed as an account that originated with XXXX and has a {$0.00} balance due. The original lender was XXXX and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had Gap insurance, therefore XXXX was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. XXXX did not report the amount it sold for, and never disclosed the amount to me, they were paid by the GAP insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, XXXX sold that account to NCB management services for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, NCB management services are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to XXXX, and XXXX XXXX reporting agencies. This violation of FCRA laws has impacted my credit score for years.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed unauthorized charges on my Bank of America pre paid account. I filed a police report a report with ftc and a complaint on this website as well which was complaint no. XXXX After only a week my credit card refunded me all money from this merchant and Bank of America also credited me PARTIAL credit. Bank of America split my claim in two claims. One for $ XXXX was credited back. The other claim for the majority of the transactions worth over {$1000.00} has been held and Bank of America has failed to act professionally. 

On XX/XX/21 at XXXX I received a call from someone stating they worked for Banknof America and THEY HAD INFORMATION ABOUT MY CLAIM so I trusted them and now the bank says that was a fraud call. I can not explain all that I wrong with this situation through this text please call me so I can explain the situation this has caused for me. Something is very wrong. I need my money that they are holding and also to confirm if I did or did not Give my personal information to someone that is fraud or not.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged : XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiry that are being challenged : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WESTERN UNION COMPANY, THE (CA)

I was the victim of identity theft through western union i reported it to the bank and provided the information but the bank told me it wasnt enough information but i didnt have much information other than the transaction details and they proceeded to harass me to pay when i had no knowledge of the transactions
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (CO)

We paid this loan off XX/XX/2021. Received the paid in full letter XX/XX/2021 dated XX/XX/2021. After numerous phone calls, emails and texts Ally Financial still will not repot the loan as paid off on any of our credit reports. Contacted all 3 bureaus and was told to go back to the Lender to have them correct and let them know it was paid off. all 3 bureaus refuse to help even with the provided paid i full letter without a dispute but they have never worked in the past and new lenders frown on disputes on reports. Ally still says they will send the letters in again and have it marked paid off but we are 2 months past the initial payoff and I am getting no where with any of these places.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC (PA)

XXXX and XXXX Credit Bureaus are reporting inaccurate information on COLLINS ASSET GROUP with an Account Number of XXXX, Opened last XX/XX/2017 and a Balance of {$4900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021. I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CO)

I have been trying to work with my mortgage company for over 9 months now and after multiple pleads for help they give me the worst possible plan that I can get. They gave me a forbearance plan and not a loan modification. I had told them that my income was reduced and lost my job. My son is here trying to help us save our home but this plan that was provided does not make sense. How can they extended the loan term by 17 years and increase my mortgage payment. 

XXXX XXXX escalated my loan modification review over 20 times because their team delayed my review for over 9 months. It took them 10 months to get me a plan that is making it harder to keep my home. I need the underwriters, escalation managers and processors to take responsibility for their mistakes. XXXX had spoken to XXXX XXXX ( escalation manager ) and he advised that he would help but never did. We had to continuously follow up with him. He was never available to get an update on the escalation. Week after week my loan got further behind because they didn't want to help. 

XXXX, another escalation manager was supposed to give us a call back earlier this week with a breakdown of the plan but never did. These people don't care if people are losing their home. They just want to get you off the phone and move on to the next person. The less work they do, the better for them to not handle problems. We are here begging for help in our most vulnerable time and they are just taking advantage of people. 

They even tried to blame me, that it was my fault for delaying on documents when I was the one following up to make sure my review was even moving forward!
Consumer complaint received 2023-01-21
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: CITIBANK, N.A. (NC)

In accordance with the fair credit Reporting act XXXX Account # 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 al open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

After receiving dozens of offers from Amex, our business decided to apply for Amex Platinum with " no limit '', and we got approved. Since the begining, the process has been terrible. Initially, checking the spending power, the Amex website showed up to XXXX but the card got blocked as soon as the balance reached XXXX. Its been 2 months dealing with this for a business that is processing XXXX in sales so far in 2021, and growing. After discussing endlessly and using other cards, payments were made and neither Amex Platinum nor Blue cards are overdue. This morning, I check the spending power and it was approved for XXXX however, when I tried to pay my vendor, it got denied and I got an email from Amex that the card that has " no limit '', has a limit now of XXXX. Given current balance is at XXXX ( knowing XXXX is due XX/XX/XXXX ONLY ), now this credit card has a negative balance of XXXX per its new reduced limit. Even worse, if I make any payment from now till XX/XX/XXXX, it does not free the credit so to use for other purchases like any other normal card does. Amex is playing with our business.
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

Back in XXXX Comenity Bank made several calls to my daughter. I wrote them and asked them to only call my phone and correspond with me. On XX/XX/XXXX they wrote back and stated they could speak to anyone regarding my account when it was delinquent. They have continued to call family members several times per week and refuse to stop contacting my family. They have also harassed my daughter, told her what an awful person I am, etc.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MO)

I am the co-applicant of a vehicle purchased. The applicant filed Chapter XXXX Bankruptcy. My issue is : 1. ) I have been refused any statements 2. ) I can not review online records of the loan activity ; therefore, I am unable to confirm or determine the validity of their financial records 3. ) payments are being reported on my credit bureau that are not 30days delinquent based on the terms of the loan.

4. ) Credit reporting on information that is not available Is this not a direct violation of Chapter XXXX Bankruptcy automatic stay? If not, it is a violation of my consumer rights to have information readily accessible. 
Per FCRA " Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA. a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based upon your credit report. ''