davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

XXXX XXXX is contacting me regarding a debt they are claiming I owe, date of service starting XX/XX/2014. I replied to them that I was stationed in XXXX XXXX, AL until XX/XX/2014 and was not in the same state that the service was rendered. They are demanding my social security number, a police report identifying a suspect, and a utility bill proving my location. 
I advised that the XXXX does not provide utility bills when you are stationed in the barracks. I have my XXXX proving I was in XXXX XXXX AL until XX/XX/2014 and I have provided my bank statements showing that I was using the XXXX XXXX until early XX/XX/2014, proving that I could not have been in the same state they claim the services were opened. They are claiming the debt has been " verified '' - they have sent me paperwork with the wrong address, the wrong telephone number, and an illegible signature they claim is mine. I have provided multiple documents proving that my address had changed and that I was nowhere near the service location at that time. I have disputed this debt with all three credit reporting agencies and they have removed this debt from my account. However XXXX XXXX continues to harass me regarding this debt and will not respond to my questions regarding confirming or denying the debt.
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

Around  XXXX  I noticed that a collection agency by the name o f Choice Recovery  was reporting  XXXX  debts on my credit report. Initially, I disputed those debts with the credit bureaus as having no knowledge of the debt. Well the debt was deleted from   XXXX   and  XXXX . After several of unsuccessful attempts of disputing the debt directly with  XXXX  and requesting proof of what was actually used as verification I then reached out directly to the Collection agency. On several attempts I requested that they provided me validation of the debt, proof that I specifically and legally was responsible for the debt as well as they were able to legally collect on the debt. As of date I have received no validation of the debt or requested proof. Request were sent certified mail on  XXXX / XXXX / XXXX , and  XXXX   XXXX ,  XXXX  and  XXXX / XXXX / XXXX . Please see attached verification of disputes, and request for validation
Consumer complaint received 2019-06-13
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. (TX)

Two Hard Inquires remain in my credit file : 1. XXXX XXXX XXXX- XX/XX/17 2. XXXX XXXX XXXX- XX/XX/17 These Hard Inquires are more than 2 years old and should no longer be on my credit report.
Consumer complaint received 2019-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

XX/XX/2019 Car rental reservation made online with XXXX XXXX XXXX XXXX at XXXX airport in the amount of {$390.00}. Arrived for noon pickup to find 40-50 people waiting in line. Waited 1 hour and 10 minutes with no movement. Called XXXX to be told the reservation was non-cancellable. Because I had an important engagement I tried several other rental agencies in the airport to no avail. Left Airport, drove to XXXX, rented at XXXX at considerable expense and lost time. Contact Capital One completed their documents and charge was temporarily rescinded. They later responded that because I had not cancel the reservation I was responsible. Provided proof of attempted cancellation. Response was I had not waited long enough. However they could not tell me what a fair amount of wait time would be. They then responded, as XXXX had, stating that in fact the contract was non-cancelable despite the fact that they had not kept the contract agreement of a noon pickup. Capital One then re debited my account.
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MA)

I purchased a XXXX from the retailer staples in XXXX New Hampshire to use on XXXX XXXX XXXX XXXX XXXX 2016, the device was returned 4 days later to the same retailer, also same clerk that completed original purchase, with this retailer and XXXX you get 10 days to try the service and device no obligation, XXXX XXXX unable to figure out how to release me from this debt that I do not owe them they claim its XXXX I 've called them 4 times since XXXX XXXX 2016 to try to fix this also contacted the retailer staples and talked to the store manager and clerk involved. They are all stating that the device was returned within the time limits. Now it 's XXXX XXXX and the account has been passed onto a collection agency named convergent, also XXXX wireless has tapped my credit report, stating collections as the reason. I fear for my good credit report that took a lot of work to maintain.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MNS & Associates LLC (MI)

This business has contacted my sister, contacted my Aunt, contacted my Uncle, contacted my other sister and contacted my Mother. How they got phone numbers I do not know but each and every XXXX of them told them to stop calling and they did not. I have not received a phone call. They asked each and everyone of them for my social security number and personal information about me. They also stated that I used each and every XXXX of them as my address which is false. I do not even talk to my Aunt and Uncle.
Consumer complaint received 2023-05-08
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. (TX)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2018 and XX/XX/2018 I wrote Experian about an account that is improperly and inaccurate and with old information. I have not received any response or that the account is deleted. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from Experian, a few days later I received the letter back because it was undeliverable. Experian is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my Experian Credit Report inaccurately. 

2. Given that the furnisher ( XXXX Loans ) has provided false information to Experian about me, and provided Experian with a false address, I am demanding that the item ( XXXX Loans ) they are reporting be removed immediately.
Consumer complaint received 2022-09-15
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. (IL)

On XX/XX/2022 while I was viewing my Transunion credit report I noticed there were addresses listed that I have never lived at before, employers that I haven't worked at before. I have attempted to handling concerns with Transunion on by mail and I have not recieved any further correspondence. The addresses that I have never lived at before are as follows XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have also not worked at XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2019 I received a letter from a collection agency claiming that I owe an amount of {$200.00} to Florida Hospital XXXX reference number XXXX. I sent a letter on XX/XX/2019 demanding the company provides me with more information about the debt as I am not aware of such debt. Shortly right after, the agency have reported my credit report of a negative status of collection and did not send me the information I requested. I immediately followed it with another registered mailed letter with return receipt ( attached ) demanding the company remove the negative reporting and send me the information about the debt. I also disputed the reporting with the XXXX  Credit Agency. 

Unfortunately, the collection agency never replied to my two letter nor they have acknowledge receipt. I have a confirmation receipt from the XXXX XXXX XXXX that my letter was received and signed off by the collection agency. ( Attached ) Below is the information of the collection agency : Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (WI)

Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I opened a credit card account with Capitol One Bank in XXXX. The account number is XXXX. In XXXX, I made a cash advance in the amount of {$30.00} and when I paid my bill for that month, I made sure to pay the account balance enough to cover the cash advance. As I continue to look at my Capitol One Bank bills with the hopes of paying off my credit card balance, I realize that after 6 years ( XXXX - XXXX current ) Capitol One Bank is still charging me the cash advance interest for that {$30.00}, in fact the interest is estimated to be around $ 40+ dollars a month for that {$30.00} from 6 years ago. 

When I tried to address it with the bank, they kept me on hold for hours and never returned to the phone. 

As I calculate the cost, I have been charged nearly {$5600.00} over the last 6 years for {$30.00} in cash. 

This is unlawful and must be addressed.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-09-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group (MD)

On XXXX XXXX I called Superlative RM to ask if they were a collection company for a collection company. They would not advise. I stated they would receive my letter in the mail and do not call my cell phone. They called me again on XX/XX/2023 and stated it about my dispute. They should have waited for my letter and not called me back.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Inaccurate reporting. XXXX Account is listed as a charge-off for both XXXX and Experian, however reports a balance and past due balance. A balance can not be reported an a charged-off account and the reporting is inaccurate.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I disputed a Chapter XXXX Bankruptcy, which is reporting inaccurately on my credit report. I sent a letter to Experian ( EX ) dated XXXX XXXX, 2017. I received the investigation results from Experian dated XXXX XXXX, 2017. The bankruptcy record on my report " remains, '' according to EX. The details of my results state " the company that reported the information has certified to Experian that the information is accurate ... '' In this case, the company the information should have been reported to EX is US BKPT CT IN XXXX. However, I previously sent a letter to the Indiana Bankruptcy Court, asking how they verify information with the credit bureaus. The court state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' In this case, EX should have contacted the court, but there is no certainty that the court certified the public record to be accurate since they do n't report to the credit bureaus. 

Also, I have completed security freezes with XXXX ( X/XX/2017 ), XXXX  XXXX XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), and XXXX ( X/X/2017 ). All documentations are attached to this complaint.
Consumer complaint received 2019-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I inquired with Navient, my current loan service provider, in XXXX of XXXX about Public Service Forgiveness. At that time I believed I was under student loan forgiveness, under President Obama 's order. I was informed that I was not. I was put on the path by NAVIENT to consolidate my student loans under a new program that qualifies for public service loan forgiveness. I did everything I was asked to do and provided all information I was asked to provide in order to be considered for student loan forgiveness as a public servant. I have been a public servant since XXXX, long before this order was issued by the President. 

Two years later ( XX/XX/XXXX XXXX I discovered that I was not under the appropriate " Income Based '' loan and that I was not under " XXXX '' and I had not made a single qualifying payment out of the 120 payments they told me I would have to make. I made at least 20 payments as of this date - in fact I make a payment every two weeks on a Friday without fail. I have spent approximately 15 hours in phone conversations with either NAVIENT, XXXX  or FAFSA concerning this situation. I believe I have been mislead along the way and have been misinformed as to the results of my efforts and payments. I have paid over {$7300.00} in the last two years towards student loans, I still owe {$34000.00} of which I pay {$130.00} every two weeks, wherein {$88.00} goes to interest and {$50.00} goes to principal.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I was scammed into sending funds via my Citizens mobile banking XXXX app to another user who was supposed to buying a {$50.00} dress from me on XX/XX/XXXX. Started harassing me via phone and email and sending me emails impersonating XXXX and explaining that my account needed to be upgraded to business etc etc and scammed me into sending additional funds via Citizens banking app for XXXX user. 

After realizing what happened- additional funds were being taken from my debit card /checking account. Citizens bank wrongfully did not close my account when it happened, which caused further debits on my account. Citizens also did not know they needed to file my online claims- instead directed me to file through XXXX XXXX 
Weeks later after finally getting in contact with XXXX they explained no in fact citizens should file themselves and reimburse funds. 

I believe the total amount of money is around $ XXXX {$1500.00}. There was a fraudulent charge on XX/XX/XXXX on my same account for a hotel in my area that I have never ever been to- and I have tried explaining that to the bank as well- and they have yet to credit me any of my funds back. 

I have had to RE FILE the claims multiple times due to the lack of understanding and appropriate action taken by the citizens bank claims department employees. I have been told that my problem would be escalated and Id receive a call 24 hours later, to not receive a call for weeks- for me to have to call yet again to follow up about this matter. 

I immediately filed a police report in my local township and have been working with the detective on this. 

I have attached some relevant screen grabs from the incident.
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (CA)

When I paid off my lease there were no instructions except for who to send the money to and for how much. The account was paid XX/XX/XXXX and I received a paid in full letter. I first asked via chat how to get the title on XX/XX/XXXX and was told they release the title to the billing address on file within 30 days of payoff posting. I waited until XX/XX/XXXX to follow up as it was almost 30 days and I still hadn't received anything. I didn't get any help and tried to many times during XXXX. Then I finally called and spoke to someone ( after waiting one hour on hold ) and was told I needed to send the odometer statement. Which they would have to mail to me since my account was closed online. That was the only document mentioned. Waited for that in the mail, as they could not email it and then sent it back. I followed up today, XX/XX/XXXX, and was told now I needed to submit titling instructions. Again, no mention of this step in any of the previous conversations or instructions. Now I have to wait 24-48 hours for it to be emailed. And if I want any of this expedited, as I now have 10 days to submit to the XXXX for my loan, I have to provide a XXXX number. Otherwise it will not be expedited. This is ridiculous how long it's taken! It feels like they are purposely leaving out instructions and making it extremely difficult.