davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OH)

The credit deposit that was supposed to go to my account was not the same amount on my transaction list. It was like I got robbed because both parties was saying two different amounts. Us bank was the bank I had a checking account in. I have also been having bad experiences with companies that was my idea and then someone goes open them up but I seem to be the crazy one when I mention it and confront them or tell authorities about the the I see and hear. I've also worked for some of those companies too.
Consumer complaint received 2021-06-08
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: F.H. Cann & Associates, Inc. (MI)

F.H. CANN & ASSOCIATES , INC. threatened to XXXX, and XXXX  my XXXX  if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.
Consumer complaint received 2021-06-08
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: Experian Information Solutions Inc. (MI)

I am the consumer and according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. I am the consumer I am the only that can validate a debt and that debt is not mine it is not true.15 usc 1681 a e states that you have to do interviews with my family associates and neighbors. Experian did not do that.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2024-02-05
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-01-13
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. (PA)

I contacted Experian by Certified Mail on XX/XX/21 regarding an account, XXXXXXXX XXXX XXXX Account Number : XXXX that I disputed due to Identity Fraud. Experian DELETED the fraudulent account on XX/XX/21 but reinserted the account on XXXXwithout notifying me first in writing. According to 15 U.S. Code 1681i ( B ) - Requirements Relating to Reinsertion of Previously Deleted Material- if any information is deleted from a consumer file, the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also, if any information that has been deleted from a consumers file is reinserted, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion. This law states that the furnisher must also provide the consumer with the business name, address, and telephone numbers of the furnisher that contacted the consumer reporting agency, in connection with the reinsertion. Experian has failed to notify me of the reinsertion within 5 days, they have failed to certify that the information is complete and accurate including sending me the requested documents/proof they used in their investigation to validate the disputed account, and they have failed to provide me with the furnishers name, address, and telephone number. As a consumer I have the legal right to know why this account was reinserted on my credit file, I have the right to be provided with the documents/proof Experian claims to have that verifies/validates that I am responsible for this debt.

Experian is in violation of the FCRA. My rights as a consumer have been violated, and Experian should be held accountable for their negligence and willful disregard for Federal Law.
Consumer complaint received 2021-06-08
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. (NJ)

Experian will not fix my credit report. I have called - I have mailed a letter etc.. 

XXXX  and XXXX  both list the correct information that I filed Chapter XXXX Bankruptcy and my case is confirmed. 

I called Experian and was given an email to upload documents - this does not work - I gave the women on the phone my Bankruptcy Case number - and I explained that the 12 accounts listed on Experian should not be on my account. Stated could not help me I had to prove I was in banakrupcty. I told her that why did the other credit bureaus have the correct information - no answer.

I wrote a letter and called. the Experian report is 100 points lower for my credit score than the other two reports.

It is bad enough that I had to file bankruptcy due to a Health issue and loosing my job - but when you are trying to repair you credit and the credit bureau is making it worse.

Experian will not add the Chapter XXXX Bankruptcy and they are ruining my chances of even getting a secured credit card or a decent job.

My finances are effecting my car insurance - homeowners insurance and I am currently seeking employment and they are using Experian and the information is incorrect ( New Jersey ).

Thank You
Consumer complaint received 2022-04-30
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. (MI)

I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2012. I extended them credit therefore the finance charge was paid for the entire balance. After the finance charge is taken there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. but they mislead me to think that i had to pay them. whenever a open ended credit transaction is entered that information is suppose to be disclosed. which mean its fraud. they they infringed upon my privacy and sent information over to cobsuner reporting agencies without my written consent. Now the consumer reporting agencies are reporting my information with me given them written of consent to do so.
Consumer complaint received 2021-08-20
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)

This complaint is against the following lender : XXXX XXXX XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, 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. (OR)

XX/XX/2021 - I mailed XXXX, XXXX, and Equifax a cover letter stating the issue with not being able to get my credit score/credit report. XXXX Including every thing possible that I could think of ; so that they could verify my identity and fix their system XXXX XXXX  and XXXX  both responded by mail and fixed the issue on their end. I am now able to get my credit score/credit report - and I was able to create an online account on both of their websites. 

I never got a response from Equifax. 

After doing some research - I found Equifax 's fax number in a XXXX forum, where I found a lot of people who are having the same on going issue with Equifax. " Code NM : We can't locate a credit file for you '' I faxed Equifax my information on XX/XX/2021. 

XX/XX/2021 - Equifax sent a letter stating " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one  of the following reasons : -You have not applied for credit recently. ( I have a credit card through XXXX  XXXX ) -You have not actively used credit in the past ten years ( again, I have a credit card ) -You have not lived in the United States or have not been issued a U.S. Social Security Number. ( I have a U.S. License ID, U.S. address, and a U.S. Social Security Number ) The letter also said to check with XXXX  and XXXX. 

XX/XX/2021 - I replied by fax, responding to their letter - and included both my credit reports from XXXX  and XXXX  - along with all my personal information again. 

XX/XX/2021 - Equifax sent me the SAME letter. " We received your request - we are unable - check with XXXX  and XXXX  '' - I've tried calling every number possible - you're lucky if someone answers and after talking in circles ... they hang up on you. XXXX  and XXXX fixed whatever the issue was in their system - why can't Equifax do the same? 

Instead - Equifax mails the same response over and over and over again. No matter how much information you give them to verify your identity - no matter how many times you fax, call, mail - They won't fix the issue! 

How can XXXX  and XXXX  have a credit file for me but, the main credit company out of all 3 ... can't??? Even after sending every piece of verification they ask for, PLUS anything I could think of that would help. 

This company is messing with my credit and my life. 


*I do not have any complaints with XXXX  and XXXX**
Consumer complaint received 2020-12-04
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. (IL)

Dear XXXX, Equifax, XXXX, and XXXX Thank you for sending me your internal records of the debt ( XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY LEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2021-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (FL)

I called the company several times in XXXX to try and make a payment but without knowledge they closed my case and wouldn't allow me to make a payment and now it's affecting my credit report tremendously. I didnt receive payments from unemployment till then and had kept them informed since I lost my job in XXXX because of pandemic.
Consumer complaint received 2021-11-10
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. (IL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

The company is coinbase. 

I submitted a ticket that my account appeared to have been hacked. Upon submitting the ticket they froze my account. I followed the steps to unfreeze the account at which time they told me due to the nature of my complaint they were taking further steps to look into it. My account has been deactivated since XX/XX/21 and I have not received any updates from XXXX I would like to withdrawal my funds but I can not access them.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (DE)

I setup a bill pay for my mortgage. The funds are taken out in 2 payments and the first payment is taken out around the 6th and the second payment is taken out on the XXXX. 
Lakeview ( XXXX ) calls me EVERY month because they said they didn't receive my payment, but the funds are removed from my account. I call my bank and they verify that the funds were taken out of the account. 
When you try to call the mortgage company. You have jump through hoops and ladders to speak to a live person. 
This is extremely frustrating and causing unnecessary stress. I can't change loan company unless I refinance. I can't refinance because my mortgage is still new ( 7 months ). There is a plethora of negative negative reviews against this company and I am adding my complaint to the list. 

I hope you can help me rectify this issue
Consumer complaint received 2021-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in XXXX of this year I filed my first around of disputes with XXXX and Transunion. The only one I got a response from was XXXX. In XXXX I filed a second around of dispute because the bureaus are not taking things off my credit that need to be that are seven years or older off my credit report. Now here I am three months later filing a complaints against them all because they arent doing their jobs. Please help with the matter and making them reply to my disputes that I filed.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (OH)

Chime 's Reference # XXXX On XX/XX/2023, I communicated with six individuals, and the issue remains unresolved. Why? On XX/XX/2023 at XXXX XXXX I transferred {$25.00} to XXXX ( XXXX ) XXXX. According to XXXX XXXX she did NOT receive the {$25.00}. However, she sent me {$1.00} and I returned the {$1.00} ; that account was identified as XXXX XXXX The other account involving the {$25.00} is identified as XXXX XXXX. 
Muliple times I requested proof of the name and telephone number associated with the account where my {$25.00} went. 

Chime does NOT have an option to cancel a transaction nor do the app provide the name and telephone number associated with accounts as other mobile money apps. 

All of my efforts have been fruitless, but I refuse to allow Chime and its associates to deny me the documentation needed to substantiate where my money went. 

Chime refuses to refund my money; and I was informed that the company is legally obligated to provide information regarding this transaction, in an effort to have my money refunded. Please note I will continue to pursue all available resources to receive my {$25.00}.
Consumer complaint received 2022-04-30
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. (MI)

I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2012. I extended them credit therefore the finance charge was paid for the entire balance. After the finance charge is taken there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. but they mislead me to think that i had to pay them. whenever a open ended credit transaction is entered that information is suppose to be disclosed. which mean its fraud. they they infringed upon my privacy and sent information over to cobsuner reporting agencies without my written consent. Now the consumer reporting agencies are reporting my information with me given them written of consent to do so.
Consumer complaint received 2022-04-30
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)

In accordance with the fair credit reporting act Account : XXXX XXXX ( Original Creditor : 10 XXXX XXXX  ) Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.