davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

Convergent Outsourcing, a collection company assigned from XXXX reports my account as current and delinquent. 

This was a XXXX Account that was closed XX/XX/2015. My payment on this account was never late. I closed the account and returned my phones. XXXX reported my account in bad standing before they issued me a final bill or gave me credit for my returned phones. 

Every year I dispute this on my credit bureau reports. Every year they report payments history like this was a current or recent account. 
My complaint is that the credit bureaus allow this. My perspective creditors don't see a 6-year-old account. They see a newly delinquent account. This is incorrect. XXXX 's name has been completely removed from the history. I never conducted business with Convergent.
Consumer complaint received 2022-03-26
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. (SC)

I noticed I have one inaccurate account on my credit that doesnt belong to me. Company called XXXX XXXX XXXX for {$68.00}. Look to be from a XXXX XXXX which I know I have never used. If you could please remove this.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

This matter began XXXX, XXXX, after requesting a new Natural Disaster forbearance with my loans held by Navient. Please contact me urgently regarding this matter, I am filing a grievance today with the Consumer Financial Protection Bureau, as Navient has requested unethical information of me to process a Natural Disaster Forbearance after suffering from California Wildfires & floods in XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX, respectively ) ; with no right or reason to run a credit check for requesting a Natural Disaster Forbearance on my loans. No other lender has done this at any point in time, and this is highly unethical and quite plausibly, not legal. 

Additionally, I am not requesting credit, and my credit state is very poor due to the long term hardships experienced both with COVID and current Natural Disasters in California, which has severely affected my income. Further, Navient and its representative  XXXX XXXX, has outright refused on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to contact me via phone to resolve this matter after multiple urgent requests. As my co-signer is my retired, XXXX father whom has been extremely XXXX and XXXX with XXXX, I will include this in my complaint with the CFPB as Navient continues to neglect me and my requests for immediate assistance via phone. Navient continues to change the terms and requests of me via only email communication, and a Natural Disaster Forbearance does not require a credit check. I have provided all requested information to Navient regarding the need for this time urgent Natural Disaster forbearance and how it has affected me financially and medically, and Navient continues to attempt to change the terms of applying this previously promised Natural Disaster forbearance. 

This matter remains unresolved by Navient, and I request immediate assistance with this matter, as XXXX XXXX XXXX Navient Executive Team refuses to phone me to resolve this matter. Navient has no reason or right to run a credit check for a Natural Disaster forbearance, which is Federally regulated based on Natural Disasters, which I have experienced at this time with severe impact to my health, income and ability to repay my loans at present. As such, please contact me urgently to aid in the resolution of this matter and ensure that my loans are placed in a Natural Disaster forbearance as previously promised me, and as requested due to the nature of the Disasters I have experienced and noted in great detail with Navient. This matter remains time-urgent, and I thank you kindly in advance for your immediate assistance.
Consumer complaint received 2021-12-10
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)

A fraudulent account appears on my credit that I do not recognize THIS STULENT LOAN. The account is : US DEP ED XXXX US DEP ED XXXX US DEP ED XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Neon Newco Corporation (PA)

I asked for a replacement card to be sent and during the time of processing my ex girlfriend had my Mail forwarded to her home address which I was unaware of because I was arrested on XX/XX/2022 in the meantime my card arrived and had my tax refund and social security income on it. My ex girlfriend spent all XXXX that was put on the card. I asked XXXX XXXX  to to dispute all transactions because I was incarcerated and I did not make these fraudulent charges. XXXX XXXX  has refused saying Im responsible.
Consumer complaint received 2021-12-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America did not disclose that there may be a wait period for an approval on the credit card. I would not have signed up for the credit card if I knew there was a wait period. After I submitted the application, the sales agent from Bank of America, XXXX from XXXX, FL told me that there would be a waiting period. 

At this point, I asked to cancel the application and XXXX responded that it was too late and the application could not be cancelled. XXXX stated that I already gave consent, however I would have NOT given consent if I knew there was a waiting period. 

If Bank of America Sales Representative, XXXX had disclosed the waiting period I would not have given consent and I would not have signed up for the credit card.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After careful review of my consumer report, I noticed inquires from companies that was never granted my approval to obtain a copy of my report. Please see the following inquiries : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LendUp Loans LLC (CA)

I applied for a small loan {$200.00} bucks with XXXX  i'am still waiting to hear back I keep getting an error message saying " It looks as though were still experiencing some delays. Please try again later '' what does this mean?? and i also took some education courses and earned XXXX points I don't know what is going on but i don't feel comfortable with this company at all i tried to call them to tell them i wanted my information deleted from there system and there not willing to delete my information i tried to set it up with my checking account and routing number but nothing went through i never heard back from them, plus the site wouldn't take my full Name i had to give my Initials XXXX or XXXX it never asked for my social security number although i being asked to send a copy of my I.D and social security number in order for them to change my info, and the lady i spoke to XXXX she tried to tell me the information can't be deleted for auditing purposes this is the number i called XXXX ) XXXX and this is there website XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
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: BARCLAYS BANK DELAWARE (NJ)

I had XXXX charge me from my XXXX year old daughter 's phone. These charges were not authorized by any adult> Neither XXXX nor Barclays would credit these charges. 

Transaction Date Description Category Amount XX/XX/2021 XXXX XXXXXXXX  - {$30.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX  - {$29.00} XX/XX/2021 XXXX XXXXT - {$57.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$55.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX - {$77.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$44.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$27.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$26.00} XX/XX/2021 XXXX XXXX - {$53.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX {$53.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX  - {$53.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX  - {$31.00} XX/XX/2021 XXXX XXXX {$67.00} XX/XX/2021 XXXX XXXX {$74.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXXXXXX {$42.00} XX/XX/2021 XXXX XXXX {$42.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$36.00} XX/XX/2021 XXXX XXXX  - {$14.00} XX/XX/2021 XXXX XXXX  - {$14.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX  - {$10.00} XX/XX/2021 XXXX XXXX  - {$15.00} XX/XX/2021 XXXX XXXX - {$40.00} XX/XX/2021 XXXX XXXX  - {$31.00} - {$1600.00}
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

earlier this year I was impacted by COVID. I paid and settled one account with XXXX XXXX, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a XXXX I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (ID)

I do not recognize these credit inquiries and have asked for them to be removed. The bureaus did not remove them from my report, and I am providing an identity theft report. I am requesting they be removed because they are inaccurate and not mine.
Consumer complaint received 2021-12-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

Hunter Warfield has sent several forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. Hunter Warfield reported a debt to several bureaus resulting in negative marks on my credit violating my rights to privacy as a consumer.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (MI)

A company told us they would give us up to {$500.00} to switch to their company. Then never did and refuse to take it off our credit reporting. 
We never got a letter stating we owed any money from the company or the credit company. We found we had a negative report somewhere on XXXX company and we had to dig for it ourselves to see who it was discrediting us. 
Now we are stuck with to us is a huge bill.
Consumer complaint received 2020-02-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Possible Financial Inc (OH)

I got approved and then within minutes I got an error stating that they were having trouble sending the money and to check my email for further instructions. They never sent me an email with those instructions. So I filed for customer service to get back to me and no one has and they still expect me to pay off a loan I never received.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX is reporting inaccurate information on AMEX XXXX XXXX. This is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 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 2021-08-25
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: YES AUTO CREDIT (NV)

On XX/XX/XXXX XXXX Yes Auto Unlawfully obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transactions with XXXXYes Auto nor do I have a an account under collection or review with XXXXYes Auto .

On XX/XX/XXXX I sent XXXXYes Auto a Notarized Letter Certified Explaining the Unauthorized Inquiry as well as a demand for a {$1000.00} settlement.
Consumer complaint received 2022-03-26
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. (SC)

I noticed I have one inaccurate account on my credit that doesnt belong to me. Company called XXXX XXXX XXXXXXXX for {$68.00}. Look to be from a eye place which I know I have never used. If you could please remove this.
Consumer complaint received 2019-08-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NJ)

i was attending the lab XXXX XXXX XXXX XXXX in XXXX nj XX/XX/XXXX i technically graduated and finished my hours but i was told the school only has one graduation in XXXX of every year where we get our paper work of our hours however this certain year after contact the school leaving vm nobody ever got back to me ... the school closed for bankruptcy XX/XX/XXXX i never got my papers the state broad for three years i called and kept talking to the same lady who told me to contact other XXXX XXXX locations ( XXXX XXXX XXXX XXXX ) & XXXX XXXX school in XXXX regarding my hours so that i could complete the test! i never received my papers. i refuse to have to pay on a loan that i can not even use. this was my third time attending a hair school and to finally have completed the course and not been able to take the exam after being there for almost 3 years was extremely heart breaking. please assist me
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

The debt collector didnt send me a letter, didnt give me the chance to communicate nor negotiate and kept reporting me for the amount I paid, its is not loan nor a debt. I already paid the school what I owe them and they keep Harassing me over the phone. 
I have attached the payment confirmation from the school back in 2020
Consumer complaint received 2021-06-14
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. (NJ)

I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on Experian and a couple of days ago credit XXXX told me that a bankruptcy came on XXXX  now in addition to Experian. It is not on XXXX. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.
Consumer complaint received 2022-12-16
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)

I opened file # XXXX with Transunion with XXXX XXXX ( representative ) on XXXX @ XXXX. XXXX told me there's nothing he can do but alert the creditors. I told him I already done that, which is why I was calling to see if there's anyway I can dispute the inquires and inaccurate information over the phone. Since, I also can't do it online. He said again, they do not investigate anything, they only request the consumers to wait for a response from the credits. Which I have been doing for 6 months and still haven't heard back. The inquiries are below which are fraudulent which Transunion is refusing to do anything about : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I Also requested that he review the document, I mailed to him about XXXX which Transunion is reporting that I was late on XXXX ; XXXX ; XXXX. When I requested payment deferrals and extensions with XXXX, who stated in my contract they do not report those as late to the credit bureaus. XXXX also said they never received my disputes that I did with XXXX, Transunion, and XXXX, which I've done multiple times. So XXXX, XXXX, and Transunion in those disputes validated that XXXX provided information again and they validated that information, However XXXX is claiming in the letter they never received any dispute requests for validation from the credit bureaus. So, these credit bureaus are in violation of FCRA. Considering, they only validated based on old information and did not conduct an investigation as required by FCRA. The credit bureaus did not even respond to my requests that I wanted all info mailed to me. Because they never conducted a thermal investigation as required by law. 

I included all personal verification required to complete an investigation in this complaint. So, the credit bureaus can not say they don't have information to verify me.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CO)

PNC bank advertised a {$200.00} sign up bonus with direct deposits totalling over {$2000.00} within 60 days of account opening and at least 10 debit card transactions. I met both of these requirements and was not credited my bonus. I contacted support and was not credited my bonus and given totally incoherent responses. I believe this bank is engaging in fraud.