davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

On XX/XX/XXXX, I received a " Reduced Balance Opportunity '' dated XX/XX/XXXX from Convergent Outsourcing Inc. via regular mail. It referenced the following : Creditor XXXX, XXXX, Client Account # XXXX, Convergent Account # XXXX, Reduced balance Amount {$520.00}, Total amount owed {$1000.00}. " The account referenced above has been placed by XXXX with our office for collection. We have been authorized to accept payment of 50 % of the total amount owed, which is {$520.00}, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. If you are interested in taking advantae of this offer, call our office within 60 days of the date of this letter. Please note that this is not an offer to accept 50 % of your debt as payment in full, but an offer for XXXX, XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector ''. First, it arrived almost 3 weeks after the date of the letter and via regular mail. Second, it provided no explanation of the claimed debt owed. Third, it did not notify me of my rights. On XX/XX/XXXX, I wrote a letter to them asking them to send me proof of the debt, including the original agreement with my signature, a complete detailed itemized statement showing all transactions made on the account and all correspondence related to the account and proof that I was properly notified of this debt with supporting documentation sent via certified mail. I asked that if they can not provide me with all that information, that they nullify it and notify all financial institutions and credit reporting agencies and remove all negative reporting in connection with it. On XX/XX/XXXX I received via regular mail a letter stating that they completed their investigation and the debt is valid and attached a copy of a partial monthly statement dated XX/XX/XXXX. None of the supporting documentation of proof of ownership was attached. In addition, at the same time they sent me the first notification, they notified the credit bureaus that the account they claim I owe was opened on XX/XX/XXXX, that the account status is Open. As a result of this, my credit scores dropped approximately 25 points. This was before I even received the first notice from them. I find these practices unacceptable and harmful and inappropriate and they don't seem legal to me. Anyone could have come up with a copy of a bill and try to scam me. I am not accepting ownership of this " account '' and I will dispute it and pursue legal action if they do not remove this negative reporting, stop harassing me and causing me financial harm ...
Consumer complaint received 2024-03-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA (NE)

My ex-husband and I consolidated our federal student loans in the early XXXX, in a XXXX repayment plan! They have been held by AES for years. Since the consolidated loan shows him as the primary borrower, I am not allowed to access any forgiveness options on that site. 

Our divorce decree provides that we are both responsible for half of the loan. 
Although there is a law allowing ex-spouses to sever their consolidated student loans, the Department of Education told me that there is no form to do so. Also, since my balance shows as XXXX on the Department of Education website, there is nothing I can do there. 

I have worked in public service positions for more than XXXX  years. However, I was never eligible to discharge my portion of the debt because it was consolidated. The deadline for IDR programs allowing me to receive credit for these years and payments is going to pass without me being able to sever my loan first. This is incredibly inequitable. 

My complaint is that I want to be able to apply for a forgiveness of my portion of the loan based on my years of public service, which I should be able to do, but can not.
Consumer complaint received 2022-07-22
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I reported a case of fraud on my XXXXXXXX XXXX  credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a XXXX XXXX investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXX XXXX should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX has mishandled this entire matter from the beginning.
Consumer complaint received 2021-05-09
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: SYNCHRONY FINANCIAL (NC)

I have received a copy of my credit report and it shows company SYNCB/XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$810.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-07-29
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: Access Financial LLC (NC)

Last year in XX/XX/XXXX someone went to a XXXX XXXX XXXX   in XXXX SC and opened up a personal loan in my name and was paying on the loan until XX/XX/XXXX. The individual stopped making payments and I was notified to make the payment through XXXX XXXX credit monitoring service. I contacted the store and spoke with the XXXX. I was told they couldn't give me any information over the phone I would have to come to the store in XXXX SC. I drove to the store and spoke with the manager XXXX XXXX. She asked for my driver 's license and social security card. After taking my information she made a copy of the documents and still didn't give me any information. I left the store and went to the police department and filed a report under number : Case # XXXX in the XXXX XXXX XXXX Department in XXXX SC. As of today the issue has still not resolved. I am asking for a copy of the loan agreement that this store claimed I sign and to have this store remove my name from their database as I have been a victim of identity theft.
Consumer complaint received 2020-07-29
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: Experian Information Solutions Inc. (OH)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED XXXX XXXX {$3700.00} DP EF EDUC XXXX {$2600.00}
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (LA)

FCO has been trying to collect money from me for an apartment that moved out of and paid in full back in XX/XX/XXXX. I gave the leasing office a 60 day notice as I had gotten a new job to relocate out of state. I told The XXXX XXXX  XXXX prior to signing my lease that I would probably be moving due to my job and they said it would not be a problem as long as I give them a 60 day notice, which I did. I was told when I moved out XX/XX/XXXX and gave them the keys that I did not owe anything because I gave them the 60 day written notice. At that time I moved from XXXX Florida to XXXX XXXX and they said I was good to move with no more financial obligation. I began seeing Fair Collections and Outsourcing on my credit report late XX/XX/XXXX and immediately I started disputing with the credit bureaus. I've been disputing with the credit bureaus every since. They claim I owe a balance of {$2900.00} and that is not the case. After dispute after dispute, in XX/XX/XXXX I finally saw that XXXX had removed it from my report but the other reports still shows the collections so I contacted the collection company directly. They were extremely rude and threatening to sue me. Just to be done with them I sent a pay to delete letter, just to get them off my report so that I can find a decent place to live. I called back a few weeks after I sent the letter and was told they were willing to settle for {$700.00}, please keep in mind I never owed anything per the apartment complex. When I tried to contact the apartment complex they say contact the credit bureau, the credit bureau say contact the collection agency, it's a vicious cycle. Anyway, I agreed to settle for the {$700.00} and they said they would be emailing me a confirmation of that pay to delete settlement amount, 3 weeks  later, no letter and now when I call I get someone different everytime who claims to know nothing about the agreement and demands me to pay the XXXX in full. This has gone on long enough, I want my account deleted because I don't owe the debt they are claiming. I was merely trying to settle to finally get a decent place for me and my kids to live. 
This company continues to harass me even though I've tried to work with them, now they are threatening to sue. This is beyond ridiculous. This is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.
Consumer complaint received 2022-03-01
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. (MS)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2020-07-29
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. (OH)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED XXXX XXXX {$3700.00} DP EF EDUC XXXX {$2600.00}
Consumer complaint received 2021-05-30
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. (MN)

I had a payment plan setup with the loan company which is XXXX XXXX XXXX bank, XXXX XXXX XXXX never notified the right department. Because of their error, my credit now is severely being affected. XXXX XXXX XXXX told me that they were going to fix it, yet they never fixed it. The late payments are still there on my credit reports!
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

XXXX XXXX and Enhanced Recovery Company have both simultaneously reported the same collection of {$290.00} from XXXX on my credit report. They have both been disputed for inaccuracy in reporting and never having given notification of the debt in the first place, and I have had the collection removed from my accounts multiple times : Per XXXX XXXX : In XXXX of XXXX XXXX XXXX was removed from my XXXX report In XXXX of XXXX Enhanced Recovery Company was removed from my XXXX report In XXXX of XXXX the same collection from Enhanced Recovery Company was removed from my XXXX report At a date unknown the same collection from XXXX XXXX was removed from my XXXX   Credit report In XXXX a dispute was filed with XXXX against the collection from Diversified Consultants. Per Experian, the debt was removed by XXXX XXXX. In XXXX of XXXX, the debt was added to my XXXX  credit report by Enhanced Recovery Company, 3 years after it had been removed from XXXX twice, XXXX  once, and removed from XXXX   voluntarily. 

I have been making a concerted effort to repair my credit. I believe XXXX XXXX has been monitoring my credit. It is my honest opinion that XXXX XXXX has maliciously re-inserted this debt, after it has previously been removed several times under dispute, in an attempt to damage my credit.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (PA)

Internet full of complaints against Comenity Bank 's practice of incessant phone calls ( mostly robo but once in awhile a voice mail from a person urging my wife to call, but never saying why ). NEVER have gotten anything in mail. We're 100 % responsible paying off our Mastercard in full every month, which has nothing to do with Comenity. 

No idea why we get relentless calls and we are on the DO NOT CALL list. Internet advice from consumers is that this is a totally shady company and not to call because reps are awful and don't listen to request to stop calling. 

Comenity Bank should not be allowed to operate this way. Phone numbers we see : XXXX and XXXX
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lyons, Doughty & Veldhuis, PC (NJ)

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX in the form of a Notice for Execution Against Wages. 

The original creditor is XXXX XXXX XXXX. The NJ Docket number is XXXX This was originally opened in XXXX and is well beyond the NJ statute of limitations for credit card debt. 

Furthermore, I don't work for the company noted in the letter. The company to whom they are attempting to go after wages. 

I searched the docket number on ACMS Public Access website and there is NO current activity on this docket number. Also, there is no official court representatives signature on this document either.
Consumer complaint received 2020-07-29
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. (GA)

I sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this. Now they are saying I didn't write my own dispute. In there own words " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I'm angry because they don't want to handle the incorrect information that's reporting on my credit report. I WANT THIS HANDLED NOW! I provided everything they needed. There shouldn't be no excuses why this should not be handled properly.
Consumer complaint received 2022-03-01
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)

As for credit reporting, apparently only XXXX has reported two debts : XXXX XXXX  XXXX which is the original creditor in the amount of {$1300.00} and XXXX XXXX XXXX  XXXX XXXX  which is the original creditor for the amount {$1200.00}. However, XXXX XXXX XXXX have established that they now have authorized, active collection authority for XXXX. 
Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. XXXX XXXX XXXX is has settled with XXXX XXXX XXXX for these two accounts and being paid every month until paid in full. 

I have on numerous occasions disputed this and nothing has been done. I also have a collection that has been paid off and still showing on the credit report as high impact. Please delete this account. It has been satisfied. 

At this time whatever credit that I had is currently under the auspices of XXXX XXXX XXXX XXXX which is a debt collection company, that settles your outstanding debt and is being paid monthly. Thank you/
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

Hi, I signed up in XX/XX/XXXX a credit card promotion with TD Bank, N.A ( XXXXXX/XX/XXXX ) at XXXX XXXX XXXX branch, XXXX NY. The offer was XXXX XXXX offer : Customer must open a new TD Cash Credit Card Account between XX/XX/XXXX-XX/XX/XXXX, and spend {$500.00} in total net eligible purchases within 90 days of the Account opening date to receive a one-time bonus offer of XXXX Bonus Points, which can be redeemed for {$150.00} Cash Back, as well as a 1st generation XXXX XXXXXXXX XXXX , and a 1st generation XXXX XXXX XXXX    XXXX ''. However, the XXXX XXXX XXXX XXXX I received on XX/XX/, was opened and seemed to be used before and not able to power on. Therefore, I immediately contacted with TD Bank, and they told to contact with XXXX. However, XXXX was unable to help since the device was not purchased from XXXX or authorized retailers. Thus, I believe that TD bank has not fulfilled originally stated promotion that I signed up.
Consumer complaint received 2022-03-01
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. (TN)

In accurate Collection Accounts : XXXX XXXX- shows that account is still open and 7 late payments. This information is incorrect. This account is paid off in full on XX/XX/2022 and no payments were ever late. 


XXXX XXXX XXXX- I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX XXXX I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX. XXXX, XXXX - I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report Inaccurate Hard Inquires : XXXX XXXX- this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize it XXXX XXXX - this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize it