davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MD)

XXXX stated I had renewed a contract and terminated early. I did not renew any contract because I did not want to upgrade my phones since I'd be switching to XXXX, who was my employer. 
I have asked XXXX repeatedly for the signed contract but they said they don't have it. Instead they sent me a copy of the bill. Convergent Outsourcing stated XXXX did not give them proof of signed contract, they too only have a bill.
Consumer complaint received 2024-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

Ive been disputing this card since 2017 this account was opened fraudulently Ive filed a police report Ive filed a FTC AFFIDAVIT which Ive sent to both credit bureaus and wellsfargo and they still continue to report this to my credit report i do not know what else to do Ive done everything required by law to correct this problem but i cant seem to get them to correct the problem
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

The information in my credit report is incorrect and it continues to affect my credit score. I have attempted to come to an agreement with the creditors to no avail. I was younger when my credit score decreased and I have taken steps to correct it, including paying off and closing the accounts myself. I need assistance in this matter so that I can increase my credit score. This inaccurate reporting has diminished my chances of obtaining new credit, which is a major problem.
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (PA)

I set up an IRA with Wells Fargo account to receive my {$30000.00} 401-K from XXXX/XXXX XXXX. XXXX claims they mailed the check to the Wells Fargo CASH IRA account ending in XXXX on XX/XX/2020. It is now XX/XX/2020 and Wells Fargo claims they have not received the check at the address given to me by Wells Fargo, which is the address they use to receive IRA transfers : Wells Fargo Bank, XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX, NC XXXX. IT looks like they lost another check of mine.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-10-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I called Capital One on Fri XX/XX/20 to redeem my matured CD. Since my branch is closed due to Covid and the next closest branch is 1hr15min away I asked if they could send it electronically to my bank. They said no we have to mail you the check. It's about {$90000.00} so I asked if they could send it certified and they said they would. It is now almost 5 weeks later and there is no sign of the check. I have called 6 times and every time I've had to wait a grueling 45 min-1 hour with a horrendous music loop that is like water torture. I don't say this to be dramatic I am serious. It is bad, really bad. Each time I call I have to explain the whole scenario and they invariably send me to a supervisor only for me to explain the whole thing again. On one occasion I spoke to a supervisor named XXXX and on another occasion I spoke to a supervisor named XXXX. Today I talked on the phone with an associate and she elevated it to XXXX, then he elevated it to XXXX and then she elevated it to XXXX. Each time in between I had to explain it again and then hold with the horrid music. They said they had stopped payment on the check and they would mail ( they said they can't email it ) out a lost check claim form for me to fill out and then review it. I've been waiting on this form for over two weeks and no sign of that either. Why am I having to wait for a form that I am required to fill out and have notarized and and then send back for them to review and then start a long process of waiting all over when I wasn't the one who lost the check. They sent it out without any kind of tracking or signature required by the recipient. They're sending out massively large checks by first class mail with no idea if the checks will ever get there or any way to trace it. The supervisor XXXX admitted that they are supposed to XXXX   all checks over {$50000.00}. I keep waiting and hoping someone will acknowledge how outlandish this is and cut the red tape and get me my money. By holding on to my money they are defrauding me out of {$4.00} interest a day which is what my CD was making and thus far I have lost well over {$100.00} in interest waiting plus an opportunity to deposit the money in XXXX and get a {$300.00} bonus on an offer that has ended. I am at my wits end. I desperately need this money to live on. I am a senior and it is most of my life savings. PLEASE, PLEASE HELP ME RESOLVE THIS HEARTWRENCHING PAINFUL SITUATION.
Consumer complaint received 2018-07-15
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX, XXXX was informed that I was a victim of identity theft. 

I filed a police report and contacted the companies whose accounts were fraudulent. 

I recieved paperwork providing proof that the accounts being reported on my Equifax credit report were due to identity theft. 

Equifax for some strange reason, keeps reporting the fraudulent accounts as accurate. 

I sent the exact same proof to the other credit bureaus ( XXXX and XXXX ) and they both corrected the errors. 

I have sent and spent postage over and over to Equifax and they refuse to correct the errors. I have been embaressed, ashamed and hurt because of the errors due to identity theft that Equifax refuses to correct.
Consumer complaint received 2021-07-18
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. (AL)

After carefully reviewing my credit report I noticed several inquires to companies that I have not applied for or have ever done business with listed on my credit report. I contacted the credit bureaus & they did nothing to assist. I have attached an identity theft report to this request.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

5.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please update personal information according to the attached and information shown below. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : I am writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX, VA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
I understand that pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2018-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I contacted Equifax concerning in accurate information with a Chapter XXXX Bankruptcy. Equifax stated the got there verified information from a 3rd party enitity XXXX XXXX which was also incorrect. Equifax did not verify the documented information with the court which would have shown inaccuracy with various items. I have supporting official court documents in my possession that show the numerous inaccuracies reported by Equifax. 

I believe they did not do there due diligence in verifiy the information regarding whats being reported by there credit agency. There use of a 3rd party agency instead of the Federal court shows the negilience in reporting verified accurate information.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX DE XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX : {$94000.00} XXXX XXXX XXXX XXXX XXXX : {$46000.00} ; XXXX XXXX XXXX XXXX : {$94000.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I have been a customer with NFCU since XXXX. I have had mortgages and equity loans with NFCU since XXXX. So when I wanted to do a cash-out refinance, I applied to NFCU. I applied on XX/XX/XXXX. I then received a request to upload supporting documentation, and I did so on XX/XX/XXXX. The next step was a home appraisal, and I paid {$460.00} on XX/XX/XXXX for the appraisal. 

And then - nothing. I called and emailed my processor, XXXX XXXX, numerous times asking about the status of the application ( at least emailing her on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and received no response. Finally, I called the main customer service line at NFCU on XX/XX/XXXX or XXXX. I was told, to my surprise, that my mortgage loan application had been WITHDRAWN. The reason given was that I hadn't provided paystubs with my paperwork -- but I am XXXX, and don't have paystubs. I had provided my XXXX to show proof of income. 

After several calls with NFCU, I received an email on XX/XX/XXXX from XXXX, stating that " [ t ] his is completely a mistake on our side, '' and she was working with her supervisor to fix it. But again, I heard nothing the next week. Finally, I called again on XXXX XXXX and was told that XXXX would call me by XXXX that day. She did not. I called XX/XX/XXXX to inform NFCU that it had lost my XXXX of 28 years, that I wanted a refund of the {$460.00} I had paid for the appraisal, and I would be going with another lender. 

Amazingly, the story does not end there. The evening of XX/XX/XXXX, a new processor left a voicemail for me stating he was working on my application, and would call me back early the next week. On XX/XX/XXXX, I received notification that NFCU had run a credit report - completely unauthorized - on another application for me. On XX/XX/XXXX, I received an email from NFCU about my " new '' loan application. And on XX/XX/XXXX, ANOTHER processor called me, asking for information about my application -- all after I had informed NFCU that I was absolutely done with them.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Receivables Performance Management, LLC (GA)

I was contacted by Detective XXXX with XXXX XXXX PD in CA on XX/XX/XXXX. He advised I was a victim of fraud. Detective XXXX   can be reached at XXXX, Case # wcpd XXXX I am also working with Det. Lt. XXXX XXXX # XXXX with the XXXX  Police Department in in MO. Detective XXXX  can be reached at XXXX, Case # XXXX. I am also working with US Postal Inspector XXXX XXXX  with the XXXX XXXX XXXX XXXX. XXXX XXXX can be reached at XXXX, Case # XXXX. I have also filed a report locally with the XXXX County Sheriff 's Office with Deputy XXXX XXXX. XXXX XXXX  can be reached at XXXX, Case # XXXX. The perpetrator is XXXX XXXX XXXX  who has been arrested and will stand trial for Identity Theft via US Department of Justice, Case # XXXX  Court Docket # XXXX, prosecutor XXXX XXXX XXXX. I understand the file has also been forwarded to XXXX XXXX FBI. As a result of this, I filed FTC Report # XXXX. Included in that report are accounts affected by the crime including fraudulant auto loan or lease XXXX XXXX XXXX, Account XXXX for amount {$72000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Also included was fraudualnt mobile phone account Receivables Performance obo XXXX, Account XXXX  for amount {$3000.00}. I notified them by letter on XX/XX/XXXX that I was not responsible for these charges. Both companies are still reporting to XXXX. I am still trying to resolve this and could use your help please.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XXXX I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've reached out to transunion, XXXX, and XXXX  several times regarding inaccurate late payments that are being reported for my credit acceptance account. Please see attachments
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (IL)

My supervisor contacted me alerting me that a debt collection company has been calling repeatedly trying to reach me regarding a debt. They were told this is not allowed and it needed to stop. They did not. I called them and told them myself you can not call my job or I could get fired.They said they would stop but they havent. They still call all the time. The company in question is midland funding llc. I dont have dates because its been weekly for the entire year. They have my phone number and address on file but claim they dont.
Consumer complaint received 2018-07-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (KY)

XXXX XXXX has repeatedly called relatives about my credit cards. When calling, they discuss the card account and the reason for calling which is ILLEGAL. XXXX XXXX has my current address and phone number and has no reason to contact third parties regarding my card accounts. All phone numbers beside my own personal cell phone number should be placed on a do not contact list. XXXX XXXX is using illegal tactics and information sharing.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I applied for a credit card that Experian app suggested on XXXX, because it said it wouldnt hurt my credit scorewell it did, it hurt all three bureaus, took XXXX points from Experian score aloneif I would have know it would hurt my score I would not have applied, because Im trying to work on my credit as we speakplease help with this, as it if effecting my score between good and fair reportingIm working hard to get my credit in good standing and now I dont trust suggestions from your appthank you
Consumer complaint received 2018-07-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc. (FL)

Good Evening, I am an XXXX Veteran XXXX XXXX XXXX has sent a put a debt on my cr3it report for {$5300.00} plus dollars for a home, I vacated and left the premises on XX/XX/2017. I have a signed statement, from them via XXXX, releasing me from said property, I never lived there, anytime after the XX/XX/XXXX. I have the signed document, stating these facts. I have asked them to remove this from m6 credit report, they have threatened to sue me. I am XXXX XXXX   XXXX veteran, who only receives va n social security for XXXX, XXXX, XXXX XXXX, XXXX, THEY CALL AND HARASS ME, I HAVE TOLD THEM TO CHECK THEIR FILES..the attached document shows, I did live there, m6 credit score dropped many points, I am asking them to remove this, as it is causing me extreme stress, and I am unable to purchase a home.