davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NJ)

I was liviing in XXXX NJ and subsequent to becoming XXXX and I had immediately received assistance for my heat ... gas and electricity provided by XXXX . 
In the new year XXXX XXXX, I moved over an hour away and NEVER re received any notice of owing any amount due, HOWEVER. .I did receive a postcard forwarded that stated the fund had unassigned benefit for XXXX only to be paid to the XXXX account for my profile on record. 
I called and explained I had moved and had no bill and of course the credit I had completed a timely request for consideration was approved already and I had no action to take and to my surprise. I received the postcard and apparently the move had me off their system as per XXXX. 
I was advised in I believe XXXX with the organization requesting the information to assist so that they would be able to find me to confirm my status and to receive a 3rd party Attempt to Collect a Debt not owed, is bold at the very least and having not planned the incident that affected many, and needless to say, my personal self, my accustomed income through strong sense of service abd purpose, to add to this, so many negative responses through my credit and almost half either paid, insured or on this case, a serious lack of communication since XXXX was initially bouncing payment back and I handled it and as quickly as that, in turn they, The XXXX Local Branch advisd me of the payments rerouting and paid in full give a few extra dollars, I never heard back to support the actions of Convergent. ( The copy of what I received today is attached in this email. ) Again, unapplied funds in my name under my XXXX acct number for XXXX XXXX in XXXX were rerouted to XXXX XXXX XXXX to 3 yrs now. 

I Thank You in Advance for Your Time and Attention! 

Gratefully, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXXXXXX XXXX XXXX Balance {$25000.00} Equifax : 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$25000.00} XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$25000.00}
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX called Bank of America and went into the actual bank to speak to an associate. We were told our joint credit card information had to be updates. Updates were made and associate said card was reopened. Card remained open from XX/XX/XXXX to XX/XX/XXXX. We tried to make a purchase on XX/XX/XXXX and found out card was completely closed. 
We went back to back and talked to same associate. She was dumbfounded as to cause of the problem. BOA would not even tell her that that a BOA employee in XXXX closed the account. Our records show that we have had the same credit card account since XX/XX/XXXX and have never had any issues until now. 
Bank said they tried to call us in XX/XX/XXXX and sent a letter. We did not see any letter and the day they said they called us and talked to my wife was a day we were out of town. 
After being transferred from department to department the bank associate was angry that the bank was going to request a new card. Nothing has been changed on our old card and this kind of harassment is unacceptable for excellent customers with no problems at all. We have to wait at least three days until they " make a decision '' as to whether the account will be opened or not. Even the bank associate said there is absolutely no reason that anyone should have closed the account and made things difficult for us as bank clients.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

In XX/XX/XXXX I disputed a collection that was being reported on my credit report by XXXX XXXX in the file that Equifax maintain under my social security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to sub paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$25000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$25000.00} 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 XXXXXXXX Balance {$25000.00}
Consumer complaint received 2022-04-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive been paying on the loan but all of sudden payments not being reported. Also, student loan has been removed from a couple of the bureaus but not all and Im trying to figure out why is it not being removed from all and only one or 2. Reporting incorrect information on credit report as well. Also, the concerns of My information being solicited to get paid while being in sync with the company due to the matters of building or having credit. The company is highly know for the dark pattern, which is very alarming and violations of its consumers laws, along with possibly getting pains to sell its consumers information. I expect to be reimbursed for these incompetent matters.
Consumer complaint received 2017-08-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

I leased a XXXX XXXX XXXX on XXXX XXXX, 2017 that requires payments to be made for {$1700.00} for 36 months. 

The dealer who sold me the car lied to us about tire and wheel coverage and when presented with the facts agreed to refund the cost of the policy in the amount {$1900.00}. 

They would not issue me a check directly but sent the money to BMW Financial who promptly posted it as a credit to my account. They produced a statement reflecting that i would owe nothing for the month of XX/XX/XXXX and had a rollover credit of {$260.00} for the next month. 

Regardless they still took a payment of {$1700.00} on XX/XX/XXXX Their explanation to me was the billing system and the auto-pay system do not talk to each other. I control neither system, they are XXXX 's systems. 

These two systems ought to speak to one another to avoid this and the potential O/D charges and credit report impact that their outdated systems create.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

Equifax report completely blank since XX/XX/year>. Contacted them several times, and sent a copy of my ID and social security via mail. They have not resolved the issue and it is still blank.
Consumer complaint received 2022-02-23
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$71.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CO)

XX/XX/XXXX statement said that {$1400.00} was due by XX/XX/XXXX in order to avoid late penalty. 
On XX/XX/XXXX I wired {$150000.00}, which was enough to pay off the mortgage.
On XX/XX/XXXX Nationstar Mortgage returned {$150000.00} to my checking account. 
To date Nationstar has not sent me an XX/XX/XXXX bill but looking at my account online they say I did not make an XX/XX/XXXX payment and they have tacked on {$63.00} late charge.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

RE : Previous Complaint You investigated the previous complaint. Thank You. 
Due to your investigation, Synchrony Bank resolved most of this issue. 
They refunded my late fees, refunded my interest fees, and honored the Ten Percent discount that they offered. 
However, they also reported derogatory information to the Three Credit Bureaus. 
I have requested that Synchrony Bank remove this negative info. They have not agreed to do so. Clearly they were wrong to report this, as they corrected the erroneous charges. 
Since the charges were incorrect, the info to credit agency is also incorrect. 
Please have Synchrony Bank update my info reported to credit bureaus.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX  XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

What happened? 
I was steered into a prolonged period of general forbearance by my loan servicer ( XXXX ) from XX/XX/XXXX through XX/XX/XXXX. I had a baby in XXXX and my husband stayed home not working during this time. I was not on nor was I told about any income driven repayment plan. The result is that I lost over 36 months of eligibility toward Public Service Loan Forgiveness during this time because of this bad advice. I should be eligible for loan forgiveness now, since I have been repaying my loans since XX/XX/XXXX, but I may not have enough payments because of this bad advice to stay in a prolonged forbearance.
Consumer complaint received 2022-02-23
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. (CA)

I am applying to start my life over again and I am being haunted by misinformation on my credit report in the public information section. In 2011 my bankruptcy was finalized and though the dates and account # XXXX remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been XXXX years and most of those accounts have not been touched for XXXX plus years. Please ask Experian, XXXX and XXXX to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the public records section and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer 11 years over Chapter XXXX! please! Please XXXX XXXX XXXX XXXX remove it please. Let me buy my house and, move on with my life. My children need a home.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Entrata Inc. (TN)

I noticed wrong address in. My report XXXX XXXX XXXX XXXX XXXX XXXX The right address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am working on XXXX  since XX/XX/2023 but my status still seems unemployed Please update my information if possible Thanks XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I never applied XXXX XXXX credit card. Someone used my identity to used credit card. 
I made a police report and disputed this matter with XXXX, Equifax, XXXX XXXX. 
The Credit Bureaus stated my account was properly investigated but they did not. 
I never lived at XXXX XXXX area, There are address show on my credit report along with inquiries. I am trying to buy a car but this negative impact hurting my financial situation. 
I disputed more than 3-4 times but nothing happened. 
Please delete this XXXX 's credit card account.
Consumer complaint received 2017-08-30
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. (TX)

I could not find an option that matches my complaint but selected this option. I have a account with XXXX with a excellent payment history.They outsource their Customer Service/Billing Dept. to XXXX or XXXX and half the time a customer can not understand what they are saying or they provide answer to question you did n't ask. It frustrates the customer that causes to agree to anything just to get help. 
A few months ago I was diagnosed with XXXX XXXX and called XXXX XXXX to notify them and to get assistance with my account that would not affect my credit. They refused to assist with my account therefore I did n't have a choice but to allow the account to become past due. Although on the first call you tell them the financial hardship, they called me 4 -5 times a day asking for payment and telling the customer to borrow the money to pay them. I got so frustrated and stressed that I stop answering the phone. To harass the customer into borrowing money to make the payment, they started placing the same derogatory item on the customer 's credit report twice a month. Due to my identity had been compromised, I have a credit monitoring service. In the past 2 months, XXXX reported the same information on my credit report 2 - 3 times in the month. I started questioning if that was legal. Below are the dates of everytime XXXX reported the same information as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and continues the harassing calls. For the most part, my other creditor assisted in keeping my account current where I would not have any derogatory information on my credit.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime (OH)

RE : RESCISSION OF CONTRACT ESTABLISHED XXXX It is on this date, XXXX that I, XXXX : XXXX who is a natural living being exercise my right to rescission. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant

15 USC 1601 named Truth in Lending. Per the congressional findings of TILA, It is the purpo
se of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit During the consummation of this contract, ( XXXX  XXXX XXXX XXXX ) DID NOT DISCLOSE MY RIGHT TO RESCIND. It is appropriate for me to assume that ( XXXX XXXX ) at XXXX  XXXX XXXX XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case, pursuant 15 USC 1635 I have the right to rescind my obligation and renege my initial consent to pursue the previous terms. It is clear you are not trustworthy and have predatorily conducted business in commerce. 
Effective, XXXX I am no longer responsible for any security interest, finance charge, or fees associated with this contract. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the CASH PAYMENT was only of benefit to you. 
Company also breached arbitration agreement as well as conveying a credit sale into a installment contract where I the consumer received no benefit of their unauthorized use of my credit card as defined in the truth in lending act resulting in major financial injury to me the consumer. please see attached fraudulent contract attached where company also took {$1200.00} down payment ( cash ) in this security agreement Kindly XXXX : XXXX
Consumer complaint received 2022-04-14
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. (PA)

I have accounts still on my credit from over 10 years ago after I complained and filed that that was no my account I also have inquiries that werent authorized and there are collections still on my account multiple agencies calling me to collect a debt
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

Equifax has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time, yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight XXXX late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status.
Consumer complaint received 2022-02-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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.