davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MI)

ON XX/XX/XXXX I RECEIVED AN ALERT STATING CONVERGENT OUTSOURCING ADDED A COLLECTION TO MY CREDIT REPORT FOR XXXX. I SPOKE TO XXXX AND XXXX AT XXXX. BOTH STATED THAT THEY RECEIVED THIS ACCOUNT XX/XX/XXXX FROM THE ORIGINAL CREDITOR XXXX  XXXX XXXX. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. THIS ACCOUNT WAS REMOVED FROM MY CREDIT REPORT BY ORIGINAL CREDITOR XXXX XXXX   IN XXXX AFTER CREDIT REPORTING TIME OF 7 YEARS FROM 1ST DATE OF DELINQUENCY XX/XX/XXXX PASSED. I NEVER RECEIVED ANY CORRESPONDENCE FROM THIS COMPANY PRIOR TO THIS ACCOUNT BEING ADDED TO MY CREDIT REPORT. THE DATE OF DEFAULT XXXX TOLD ME OF XX/XX/XXXX IS DIFFERENT FROM WHAT IS BEING REPORTED TO THE CREDIT BUREAU OF XX/XX/XXXX. THIS ACCOUNT IS BEYOND STATUE OF LIMITATION IN MICHIGAN OF 6 YEARS AND CREDIT REPORTING TIME OF 7 YEARS. ALSO CONVERGENT OUTSOURCING INC IS NOT LICENSED TO COLLECT IN THE STATE OF MICHIGAN.
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (TX)

XXXX XXXX perform a teeth cleaning. They told me the insurance will cover it. Then all the sudden I received from a debt collector {$870.00} dolls to collect. If I dont pay that will report me to credit union.  XXXX XXXX XXXX report it that I owe that money. I call them and they told me to give sensitive information. Assists social security number date. Then they try to enroll me to their credit union for a fee to protect me. All is a host and they have hurt my credit score
Consumer complaint received 2019-09-19
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. (CA)

Well, the first problem is that the affiliation that reported a missed payment ( XXXX XXXX XXXX ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to XXXX XXXX XXXX. But for some reason its shows on my credit report as from XXXX XXXX XXXX. 
The second issue is that they reported me to the credit bureaus as being late in XX/XX/XXXX FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to XXXX XXXX XXXX, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.
Consumer complaint received 2018-08-29
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: AMERICAN EXPRESS COMPANY (TX)

Dear Company : I am a victim of identity theft due to the XXXX  Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. 

****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. 
Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-29
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. (WI)

Never use there services was told it was not me and to please remove from credit report the woman told me know and asked her to please send me all information Id paperwork signed by me saying it was me never received
Consumer complaint received 2019-02-15
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EXPERT GLOBAL SOLUTIONS, INC. (TX)

XXXX XXXX XXXX ran my credit without authorization me between XX/XX/2018 - XX/XX/2018 contact the company they dont know who ran my credit
Consumer complaint received 2019-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (NV)

This company is fraudulently reporting onto my credit report. They sent me a contract with no information leading to me, just a paper that had my name on it. 

They stated they had phone calls according to their records of me admitting this was my debt, I've asked for these phone calls and they have not provided them. 

IN ADDITION, I AM REQUESTING ALL DOCUMENTATION THAT SHOWS MY SOCIAL SECURITY NUMBER WAS USED AND GIVEN TO YOU, THE AGENCY, AND THE ORIGINAL CREDITOR. 

Sending me a fraud affadavit is not the solution. How can I fill out a fraud packet and I don't have any proof of my social security number being used? you sent me a contract ( which I kept and am sending to the bureau 's as well as my state attorney general ) that did not have my social security number on there ... 

That being the case, how do you know it belongs to me? That could've been anybody! And it apparently was somebody else, I've never resided at the address listed nor have my number been what was on that contract! 

If what was shown to me previously is all you have I am demanding that it is deleted NOW! Where is the paperwork with my social security number?! There isn't any!
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 I looked at my FICO score on my WellsFargo.com accounts ( logged in ) after a business negotiation due diligence effort detected an issue. Imagine my shock to see that my credit score, normally hovering between 825 and 850, had dropped to XXXX in one month. That's a 137 point drop in one month. Knowing that purchasing/leasing a new car ( my only transaction affecting credit ) in that period couldn't cause that drop, I called Wells Fargo. After several minutes ( 23 actually ) to get through the hold, I was told " that was XXXX, not us '' and I'd have to call XXXX. Wells did connect me with a team to file a complaint against XXXX. which took up hours of my day. So I call XXXX  and after 45 minutes on hold get the call center in XXXX ( barely intelligible English speaker ). She told me " that is Wells Fargo, not us ''. XXXX. When I explained to her that I ran my XXXX   report ( which I had already run to try to remedy and the online version showed " possible criminal activity '' at my new address, she maintained that that marker didn't affect my credit, tried to sell me a credit reporting product, then told me she has no access to my account ( doesn't XXXX PRODUCE the information? ) and Fair Isaac Corporation was responsible. Of course, there is no one to call at FICO. She offered to send me my credit report in print form. I accepted and noted that the report she finally sent has rescinded my " possible criminal activity '' from the report. And like magic, my credit score returned to XXXX the next week. The kicker? They had ERASED the 137 point drop from my XXXX history which is trackable in graph form from Wells Fargo.com. What is infuriating is that no one took any responsibility nor is accountable to me. These credit agencies make mistakes that negatively affect my financial life but since I am the product, not the client, they do not care. This affected me materially - I was negotiating a business partnership and my credit score was part of their due diligence - it affected the contract negotiations in a negative way. I need an answer from both Wells Fargo and XXXX  what caused this and what steps they will take in the future to prevent these kinds of mistakes ... AND WHY I AM NOT NOTIFIED OF BIG NEGATIVE CHANGES IN MY CREDIT SCORE. What about Americans who work 2 jobs and have no idea their credit has changed when they go to buy a car? It hurts everyone and is dishonest.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Opened account with PayPal Credit in XX/XX/XXXX web checked my account and it disappeared XX/XX/XXXX with account in good standing and no missed payments. I called the company twice and got the same answer, " the system identified your account as part of a bankruptcy and has been charged off to collection '' I asked to escalate my compliant to resolve any issue and they denied any such action. Their has been no bankruptcy attached by me or any bankruptcy in the year this account was opened. There were no notices via web, mail or phone.
Consumer complaint received 2017-11-12
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: PRESTIGE FINANCIAL SERVICES INC (IL)

I did n't approve these inquires : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Fin Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something was n't right.
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

Hunter warfield called me and my wife multiple times a week for a span of months spanning from XX/XX/2023 to XX/XX/2023. I answered them once asking for verified information. Proof of charges owed that I never received from landlord upon move out that she refused to send. Proof of contract saying we owe hunter warfield. Etc. They plainly stated and threatened that they have this information but won't send it. And that it will affect our credit and that we have to pay. To which I told them have a good day.
Consumer complaint received 2022-09-16
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. (NV)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1000.00}
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hillcrest Davidson & Associates (CA)

I have told the company reportedly to stop contacting me and they won't stop. They call me at XXXX and leave voicemails. Send me emails as well. 
Most recently on XX/XX/19 I told them to stop contacting me and the rep emailed back saying that they will call everyday and not stop.
Consumer complaint received 2015-12-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a business account with bank of America on XXXX XXXX.I received a approval email on XXXX XXXX. I went in to make a deposit on XXXX XXXX and to my surprise my account was closed without reason. I never made any deposits, withdrawals or completed any debit card transaction. so now ill will have a ews " account abuse entry '' on my report and it will damage my business reputation and make it very difficult to obtain a new business account. I would like a explination of why my account was closed for now apparent reason
Consumer complaint received 2019-02-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (AZ)

Navient systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. Navient has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, Navient assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver - wherein the co-borrower is required to pay Navient to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy.

Navient is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because Navient has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.
Consumer complaint received 2019-02-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : Both Equifax and XXXX began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX checked into my dispute regarding this account and removed it immediately. Both Equifax and XXXX, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about XXXX points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither Equifax nor XXXX  could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, XXXX  continued to add a suffix to my name that does not exist over my objection. Equifax did the same thing. I disputed this with them, but only XXXX  fixed the error. Equifax refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated one company ( out of XXXX accounts ) reported my name as XXXX., and they would take that company 's word over mine and that of XXXX companies. This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

I am re-submitting a complaint against a debt that I do not owe. Hunter Warfield ( Collection Agency ) and XXXX XXXX XXXX XXXX XXXX   ( Apartment Home ) will not and still have not provided the documents required to me by law. They state that they have pictures of the damage done to the wall of which they will not send and a move out inspection form that was signed by the leasing manager that states I did not owe any balance on move out. The refusal to send the documents shows that the apartment home and collection agency are keeping the information from me. I have attempted to resolve the issue with both parties and they both have given me false statements saying they will send the information I have requested. In my last complaint they responded with a copy of my lease and the bill ( balance of the account ). That information is not sufficient in proving that debt is mine being that a document was signed stating that I had a {$0.00} balance and the pictures they have will clearly show that the wall just needed to be painted. I was also to on the phone " As a one time courtesy the documents will be sent to you ''. First I have a legal right to any documents especially if it is associated with a debt that is owed. Second, painting an apartment is basic " wear and tear '' in an apartment. The bill states sheet-rock repair. If the pictures even actually exist you will see that there are no repairs needing to be made. Third, If they had this information why didn't they include it in the first complaint? At this point in time because Hunter Warfield or their client can not proved the documentation to prove that the charges and the damage are real I have reason to believe this is fraud.
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I went into chase to open a new prepaid debit card, due to a finn account I had with them being compromised. There was One or two fraudulent charges, totalling around 70 dollars on my account. They opened a prepaid debit for me, while I attempted to work out the other account. When I went to use the prepaid card, it declined..despite a positive balance. Subsequently, I went in the branch and Chase Informed me that they were no longer going to maintain any banking relationship with me. Moreover, they informed me that they have no obligation to inform me as to the reason they closed my accounts. I believe consumers have a right to know why an institution would stop doing business with someone who is a victim of a serious crime, while also making no mention of the amount in dispute. This Took place in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I was " Assisted '' by a branch manager and telephone support. I have heard nothing in regards to resolving my disputed charge and I also have believe I have a right to know why they terminated the relationship, I believe this is wholly unethical.