davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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)

XXXX COLLECTS ON ID THEFT. XXXX does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges XXXX is well aware of Unauthorized Charges XX/XX/XXXX. ( XXXX XX/XX/XXXX XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.XXXX  DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO XXXX CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS XXXX FAILS TO RESOLVE. ( see attatched Experian Dispute XXXX  has Certified to Experian that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NC)

XXXX Account, no contract, paid auto-pay each month with XXXX XXXX, when son graduated, we canceled the account on XX/XX/XXXX and turned in the equipment as directed by XXXX and were given a XXXX Return Receipt XX/XX/XXXX # XXXX XXXX TV Equipment 2 pieces XXXX. Again, no contract, account closed and equipment turned in with receipt on XXXX. 

On XXXX XXXX, XXXX reported to my credit reports that I owed {$430.00} past due to XXXX and it was now in collections. Creditor # XXXX and XXXX Account # XXXX. I immediately disputed and provided proof of account termination and equipment return with receipt, XXXX  removed the collection action from my credit report. 

XX/XX/XXXX, Convergent Outsourcing now reports the same amount {$430.00} on my credit report as being owed to XXXX and they are now initiating a new collection action, seemingly starting the entire process over again, just using a different Credit Collection Company, Convergent now XXXX  before. I've disputed with Convergent and they have not provided detailed billing and debt information as requested, and XXXX  did not either. Both have simply said they have " certified '' that the debt is owed and only provide a summary of current balance owed, no detailed debt with dates of what the debt is and was, and I continue to maintain the account was paid in full, current at the time of cancellation and equipment turn in. It is my belief, all alleged debt is for date after XXXX when the account was cancelled and equipment turned in, wrongfully charged for which I've disputed and have not been provided any proof of debt with dates and description. 

This looks and feels predatory and/or fraudulent in practice. 

With that said, my son was attending the University  XXXX XXXX XXXX, renting a house, and I paid for the XXXX account via auto-pay each month, no contract, just month to month for nearly 2 years. When he graduated, we terminated the account and returned the equipment, with proof of receipt at the time. Months later, XXXX  dinged my credit report with a past due collections, apparently on behalf of XXXX. I immediately disputed and provided proof of closing the account and returning the equipment, that was the last I heard of it, and the derogatory hit on my credit report by XXXX was removed. Months later, I get a notice that Convergent Outsourcing is now saying it has a past due account and in collections for XXXX, its like the process started all over again but with a different collection company, related or affiliated to XXXX  I have no idea, but it seems " fishy, '' and predatory to me in my experience. 

I want to contest and do whatever is necessary, within reason, to help stop this kind of predatory behavior on consumers. 

I've attached a copy of my credit report, XXXX XXXX and a copy of my prior dispute with XXXX. 

Is this a matter for which you represent, albeit small, and what would you charge to dispute and take whatever other appropriate action necessary?
Consumer complaint received 2020-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

On XX/XX/2020 I called Fed Loan Servicing and asked why my Federal Student Loan XX/XX/2020 Payment did not show suspended because of the CARES Act. The CARES Act stated the suspension would automatically be granted and yet my account is not updated. When I reached customer service, I was told the only way the payment would be suspended would be a forbearance. That is false. There is a difference between suspending payments in accordance with the CARES Act and a forbearance. Issuing a forbearance would not count towards public service forgiveness, or traditional forgiveness after 25 years. I inquired if I suspended my automatic debit payments, would my account show delinquent after the nonpayment on XX/XX/2020? The customer service rep answered yes, and that it was nearly impossible to suspend the automatic debit because their system takes three days to update. Again payments are supposed to be suspended XX/XX/XXXX through XX/XX/XXXX without a request. She also said any suspension in payments would not count towards Public Service Loan Forgiveness, again false. I asked to speak to a supervisor, and she said no supervisor was available for the foreseeable future, but took my name and number to call back later. Therefore I have been put in an untenable situation. If I stop payments at my peril to receive the federal assistance that has been granted to me, I was told my account would be in default. Fed Loan has not been proactive, cooperative, or responsive. Fed Loan has interpreted the CARES Act in a way that is beneficial to Fed Loan and ignores the benefits guaranteed to the Student Loan Holder. Fed Loan Student Loan Account holders deserve better.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Experian is reporting inaccurate addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2020-04-10
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

I contacted XXXX  about Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. Wells Fargo never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Last year XXXX early XXXX for the XXXX tax season ) I sat down to complete my tax return for my tax attorney to process. I found that USAA Federal Savings Bank had turned off my credit card paper statements which had been being delivered to my home here in FL. Angry, I called and complained to customer service, who stated they did not do this. Obviously, because I was angry, they did. 
Today, I sit down to compile my XXXX tax documents and find USAA has done the same thing. I only have half of my XXXX USAA VISA credit card statements, ending in XXXX of XXXX. Again, angry, I called USAA who tells me over the phone that they were " defaulted '' to online delivery without my consent. However, the same operator told me that I have to acknowledge consent to do this, which I've obviously not done. The operator was usless and I hung up only to call back and speak with a " conflict resolution team '' member/supervisor ( Supervisors rarely are provided upon your request when you ask for them. You are relegated to a XXXX member with similar capability as the operator ) After long periods of hold, XXXX, tells me that I initiated this change in XXXX of XXXX, which is not the case. I again, adamantly, requested that USAA stop turning off my credit card paper statements that are delivered to my home ... and again XXXX tells me I did this, which is not true. USAA either initiated this or their programming is set to save them millions of dollars in paper statement costs by subverting the users attempts to selectively choose what he or she would like delivered via mail or online. As a result of this happening for the second year with little to no concern from USAA that I don't have the proper documents in hand to complete my tax return analysis, I have turned on ALL paperwork from USAA to home paper delivery. 
USAA is turning off my statements, against my request, without my authorization, for the second year running. They leave me no option but to file an oversight complaint on their actions .... again.
Consumer complaint received 2022-12-28
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with fair credit reporting act convergent account # XXXX, XXXX XXXX XXXX  has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2021-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. Auto Sales Inc. (GA)

I purchased a XXXX XXXX XXXX  from US AUTO SALES in XXXX, GA in XXXX XXXX. The car began having issues in late XXXX XX/XX/XXXX and eventually broke down & left me stranded at work. Long story short, I have made MULTIPLE attempts to speak with someone in management or even in Service/Claims dept about the constant issues and to see if they would try and help make the situation right, but I have yet to speak with anyone. The car is a complete LEMON. I've made the same repair once already, and it's now having other issues to the point that I haven't been able to drive the vehicle since XX/XX/XXXX, and the car has been towed 3 times. It's been sitting in a family member 's driveway for over a month. I've made MULTIPLE attempts to contact ANYONE at US AUTO SALES that can get me a solution, but I can't get anyone to speak to me ( except for the customer service people, and all they can do is handle payments & transfer me to the Service department, which never answers the phone. ) I have been dealing with this for over 2 months now, and nothing has been done. I refuse to make any further payments on the vehicle, when it's been completely inoperable for over 2 months, and US AUTO SALES has done absolutely NOTHING to assist me in this nightmare. I have gotten 2 mechanics ' opinions on what the issue is, and after doing plenty of research, I've learned that this particular year/make/model car has A LOT of known mechanical issues. The # 1 reported issue is engine & transmission issues. The car was only 2 years old when I bought it. I hadn't even had it for a whole year yet, when the car broke down. Trying to speak with anyone besides Customer Service ( who can't do what I need done ) is IMPOSSIBLE, and completely ridiculous. They have been the absolute worst business I've ever had the dis-pleasure of dealing with, and I've never filed a formal complaint on any business EVER. In addition to this complaint, I've also filed complaints with the XXXX  and Georgia Department of Used Motor Vehicles.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Usaa closed my account after a deposit of XXXX Went into the account. They told me they had to wait 60 days after the account closed to send me a check. This is not so, if they closed my account they have to send me a check now since it is closed. They chose not to do business with me, fine, but they cant try to steal my money by sending a XXXX check to me either in 60 days After it is closed. They confirmed 3 times that it was closed. When I asked them to send it they said it would be 60 days which is illegal. They closed my account the second it was deposited.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with fair credit reporting act XX/XX/XXXXaccount # XXXX, XXXX XXXX XX/XX/XXXXhas violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-12-28
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously submitted a complaint outlining the error in student loan accounts on my credit report. ( Complaint # XXXX ). During the investigation in where they say they verified these items as being mine and accurate, they updated inaccurate late payments in order to intentionally harm my credit score and well being. This is also highlighted in a updated credit report which shows how transunion " verified '' and put a false derogatory on each of those student loan accounts which triggered a drop of 58 points on transunion credit score conveniently three days into there 6 day investigation. Those accounts went from paid as agrees on both XXXX  and transunion and then 90 days late on transunion. I want these accounts removed from my credit profile immediately.
Consumer complaint received 2020-03-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
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. 

-- AUTO ACCOUNTS -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


-- OTHER ACCOUNT -- 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2020-03-30
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 {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
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. 

-- AUTO ACCOUNTS -- XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


-- OTHER ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- COLLECTION ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (FL)

My mastercard from citicards was hacked around the end of XXXX. I am travelling overseas and requested a new card to be sent to me. Citicards sent a new card but forgot to add the street number. I gave them the complete address again but instead of delivery the card it was returned to the sender. Then I requested a new card to be sent to the same address overseas however they sent the card to my address is XXXX, Florida. 
When I found out requested them to send another card to my address in XXXX. I explained that due to the pandemic of the coronavirus I don't know when I will be able to return to USA. Citicards sent this third card by regular US Mail rather then sending via XXXX as they had told. It will take months before I receive this card. 
So now I have been trying to get another card sent but the phone numbers I have been calling say to call a later time or simply hangs up. 
I am very disappointed with citicards customer service.