davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

After reviewing my consumer report, I identified a discrepancy with an account listed under Convergent Outsourcing XXXX this alleged debt was furnished from another third-party debt collector by the name of XXXX XXXX in which, the item was removed from my consumer report based on reinvestigation which is conclusively an admission of guilt pursuant of the FCRA and FDCPA. 
As a consumer, Convergent Outsourcing is reporting false and inaccurate information to various consumer reporting agencies regarding an alleged account ( XXXX ). Furthermore, just to provide clarity on this alleged debt I was notified on XXXX XXXX via email from XXXX XXXX introducing the company and explaining that they had taken over an account with the claim that my current balance was { {$510.00} } ( 1 ) I have never owned any alleged account ( 2 ) I have never provided written consent to be sent to a collection agency ( 3 ) I have never received any validation documents from Diversified Consultants/Convergent Outsourcing because neither account is mine ( 5 ) I have never agreed to XXXX XXXX or Convergent Outsourcing furnishing information. 
At this point, XXXX XXXX was clearly removed from my consumer report and I expect the same results with Convergent Outsourcing because the information exhibited on my consumer report reflects another attempt to collect the same alleged debt, This is clearly a violation of 15 U.S.C.1692c ( a ) by attempting to communicate with me about a debt without my consent. In addition, Diversified Consultants and Convergent Outsourcing are in violation of 15 U.S.C 1692d ( 2 ) in which, XXXX XXXX and Convergent Outsourcing have continuously engaged in conduct to harass me in connection with the collection of an alleged debt that isnt mine by utilizing obscene and profane language, Furthermore, XXXX XXXX and Convergent Outsourcing are in clear violation of 15 U.S.C. 1692e ( 10 ) in which, their attempting to utilize deceptive practices to bill consumers and fail to accurately clarify the misrepresented information and attempting to use false legal notification as a means to collect or attempt to collect any alleged debt. In addition, to 15 U.S. Code 1681s2 In closing, please reply with your response via US Mail. Do not contact me by phone as it is inconvenient. Do not contact my family or acquaintances in any manner. Please note that I am fully prepared to pursue my rights as a consumer for the damages, mental anguish ( stress ), and losses to me due to this account not being mine ( declined and decreased credit ).
Consumer complaint received 2021-10-12
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. (AZ)

AFTER NUMEROUS ATTEMPTS TO HAVE INACCURATE INFORMATION REMOVED FROM MY CREDIT REPORT, EQUIFAX IS THE ONLY CREDIT REPORTING AGENCY THAT DEEMS ITS NECESSARY TO CONTINUE TO REPORT THIS MIS-INFORMATION. I'VE SUBMITTED NUMEROUS DISPUTES, INCLUDING IDENTITY THEFT REPORTS, POLICE REPORTS, UPDATED ADDRESSES, AND THE CORRECT SPELLING OF MY NAME. I'VE CALLED THEM SEVERAL TIMES AND WAS UNSUCCESSFUL IN EVERY ATTEMPT TO CORRECT THEIR MISTAKES. AT THIS POINT I'M CONFUSED AS TO WHAT TO DO NEXT FOR THEM TO CORRECT THE MISTAKES AND MIS-INFORMATION ON MY REPORT.
Consumer complaint received 2021-10-12
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. (TX)

I have disputed the incorrect information on my credit report for several months with XXXX, XXXX, and Experian and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-10-12
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. (TX)

I have disputed the incorrect information on my credit report for several months with XXXX, Equifax, and XXXX and I have not been able to get the errors on my credit report corrected. There are several erroneous accounts on my credit report from creditors that I have never had an account with and I want this information to be removed immediately. I have never had an account with XXXX XXXX for {$740.00}, XXXX XXXX XXXX XXXX for {$630.00}, XXXX XXXX XXXX XXXX for {$910.00}, XXXX XXXX {$680.00}, XXXX XXXX  {$1200.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$440.00}, XXXX  {$740.00}. Please remove the incorrect information from my credit profile as it is negatively impacting my scores.
Consumer complaint received 2018-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I had taken a private loan in XX/XX/2007 from Navient who was Sallie Mae in the past. I was paying them about {$87.00} a month. This was what I was able to pay. They raised the payment a few months later to {$110.00}. Which was fine, then they asked me to pay more. I honestly gave up because this was all I can pay. Every month I saw my statement the amount was still the same. They called me to work something out with me after I stopped paying, I talked to them and they still had no options for me. It was I either pay the full amount or I continue to make payments. Not sure why they were calling me to work out something, if they had nothing. I had filed for bankruptcy this year and my private loans could not be forgiven, they still call me from different debt collectors, ask me to pay, they lowered it my loan to a lump sum which I don't have it, they called my relatives to ask about me. I don't know how to get rid of them anymore. I wish If someone can help me. Thank you.
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (FL)

XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to my credit report.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (TX)

On XXXX XX/XX/2021 PNC Bank approved an obviously fraudulent transaction from a subprime auto lender I do not have, and have never had, any business or financial relationship with. As of end of business XXXX XX/XX/2021 I can get no response from PNC Bank, not even the transaction number so I can address the fraudulent charges with the subprime lender XXXX XXXX XXXX XXXX XXXX, TX. While I do not expect immediate resolution, I would have expected PNC to at least pretend they cared about fraud against their customers
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX XXXX XXXX reported account closed - again - this is a duplicate
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it.You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act these companies listed below, 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 an account without my written instructions XXXX  ( Acc # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX would like to also add that XXXX XXXX XXXX and XXXX XXXX are reporting from the same creditor as well.
Consumer complaint received 2021-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (CO)

On XXXX XX/XX/2021, I was made aware that I owed XXXX XXXX  {$1000.00}. I contacted XXXX XXXX  corporate office to settle my debt. I spoke with a representative XXXX XXXX and he stated that if I paid {$800.00} it would settle my debt with XXXX XXXX. The {$800.00} was paid and a letter was emailed with the account number to me stating that the bill was paid.
Consumer complaint received 2021-06-23
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: PENNYMAC LOAN SERVICES, LLC. (FL)

I have been a loyal customer of PennyMac since XXXX. when we purchased our first home and even re-finance our loan with them first time around in XXXX. 
Back in XXXX we wanted to take advantage of the lower rates and apply with PennyMac again to refinance our loan, only to be denied. ( we have never been denied credit before ). We went ahead and contacted another lender who was not only willing to work with us, but got us approved for a significant lower rate. Regardless of the hardship that Covid-19 imposed on most of us, we have never been behind our mortgage payments nor been behind them, ever, and we work hard on maintaining our credit between very good and excellent since our business depends on it. I'm a XXXX XXXX XXXX and every credit decision lenders, suppliers, and potential customers make are based mainly on my personal credit. After being told by my new lender that the new loan would close by the end of XXXX, I requested a off statement to confirm the amount my new lender was telling me on XX/XX/XXXX. That amount included all taxes, interest and principal owed till XX/XX/XXXX. For reasons beyond my control, the pay-off to PennyMac was effective on XX/XX/XXXX for the full loan amount, but to my surprise, PennyMac has reported me to the credit bureau the day before, Sunday XX/XX/XXXX for Late Payment, impacting my credit score tremendously. The same Monday XX/XX/XXXX I contacted PennyMac to inquire about this misunderstanding, and after an hour on the phone, PennyMac stated they will contact the credit bureaus via letter and copy me to have the issue corrected. After not receiving any letter from PennyMac nor seeing any improvement in my credit, I contacted PennyMac again today to inquire on the status of the letter and the removal of the negative reporting only to be told that more information was needed from the 3rd party first to remove the derogatory mark ( without ever notifying me what was needed nor when ) and later on after 35 minutes waiting for a " supervisor '', I was rudely told that she can't lie to the credit bureaus and the derogatory mark can not be changed. ( even after 7 years of loyal exceptional payment history ) After contacting experian and equifax, I'm reaching out to you to help us in this uncomfortable and very unfair situation I've been placed on. 
I'm a hard-working person that has several families depending on our small business and I don't believe this multi-billion company, PennyMac that is, or its " customer service '' reps understand the magnitude of the impact a simple wrong reporting could cause. 

Thank you in advance.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC (MD)

There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX  again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX should not be a trusted agency for being responsible for people credit information.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX/XXXX/XXXX We 've stolen our a merchant credit/debit card machine ( attached by police report ) by robberies. 

XXXX/XXXX/XXXX We called to report for Bank of America Merchant Service that fraud transaction total is {$95000.00} and they credited it back to account. 

XXXX/XXXX/XXXX The Bank of America Merchant Service charged fees that is {$1800.00} and called them to ask about it. They will investigate it and check it. After that no response. 

XXXX/XXXX/XXXX XXXX : {$7100.00} First, Received a phone call to charge back from Bank of America Merchant Service Collection Dept. and they said that we have to pay {$7100.00} for multiple charge back and fees. They did n't give any solution it and called a BOA merchant service to figure it out what is going on and they made case no. XXXX. 

XXXX/XXXX/XXXX We called again to BOA merchant service collection Dept. and gave increase amount that is {$9800.00} and then we asked why is more than before. An agent said that more charge back and gave another security Dept. # with a special agent said to refund only {$1500.00} credit back to account. 
We talked her why fraud transaction total amount {$95000.00} for charge back to us {$9800.00} then she said that gave back to us only {$1500.00} amount. 
She only said that they can do only for credit {$1500.00} back amount and she did n't explain well and not understand to refund the full of amount we got charge it back.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONTRACT CALLERS INC (UT)

Contract Caller Inc is reporting an erroneous debt on my credit file. I recently check my credit file and noticed this debt. I never received my phone calls, notices, or letters about this debt. If I would have know of this debt I would have paid it so that it doesn't report to my credit file. I have called and paid it immediately after seeing it on my credit file and it is still reporting a balance. I need this fixed/removed from my credit file ASAP as it is interfering with my finances.
Consumer complaint received 2020-12-03
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. (CA)

There is a collection account that is not my account on my credit report. I have sent two letters requesting that XXXX XXXX XXXX to validate the debt which they failed to do on the two occasions that I sent them a letter. First letter was sent on XX/XX/2020 and another one sent XX/XX/2020. I have attempted numerous times to dispute this information with Tranunion. 

There is also a 30 day late mark on an account that was closed with a XXXX balance, again the Merchant failed to validate the debt under the FCRA 611 ( A ) ( 7 ) as they are required to do so by law. This particular Merchant has put 30 day late marks on other credit reports FIVE months after the account was closed
Consumer complaint received 2021-10-12
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: Credit Technologies, Inc. (TX)

I am in the process of apply for a home loan and then I noticed a hard inquiry on my account. I did not allow this company to check my credit and this was days before allowing the current company look at it. 
I tried to look for the contact information to call and see why this is on there and there isn't any. It dropped my credit 115 points which was XXXX  and now it's causing problems getting a home loan. I need this gone.