davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IA)

In  XXXX  of   XXXX   I received a letter from Convergent Collections with my nephew 's name and my address. It was a collection notice for a supposed account from a number of years ago. My nephew has never lived in Iowa. There is only  one way Convergent cou ld have gotten my work address and that is from one company that I have power of attorney to represent my nephew in negotiating a settlement. There is nothing else linking my nephew to my work address. When I called Convergent they would not tell me where they had obtained my address and they lied to me telling me that my sister-in-law had told Convergent that the bill was really mine and that she had given them my work address. I am attaching a letter from her disputing their claims. We have attempted to resolve this issue but without any success. We need your assistance in this matter.     Prior to this time Convergent or  XXXX  had not notified my nephew of the bill, he had not received a right to cure notification and it was turned over to a collection agency.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NC)

I am not liable for this debt with XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$780.00}
Consumer complaint received 2018-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I contacted Tranunion on multiple occasions ( both via telephone and US Mail ) about removing inquiries on my report that I did not authorize. They state that they have verified them. I contacted the creditors and they said Transuion has to remove them. Transunion will not remove these inquiries.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-America Accounts Control Bureau, Inc. (TX)

Date Assigned XX/XX/2022 Account Number open Mid-Amer Accounts Co Original Amount Owed {$940.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

Hello! 

I have a problem with Chase Credit Cards. I was a Chase Sapphire Reserve customer, and after they increased the membership fee I decided to terminate my account. I did that through a call with a Chase representative on XX/XX/2021. 

At the time, I had XXXX points, which is equivalent to ~ {$1300.00} if used for airline tickets, for example. During the conversation with the agent, my wife was told we had 3 months to use the points before they disappear. In early XXXX we logged in to our account to transfer the points and discovered they are gone. 

We checked the program agreement and found that it too says clearly that If your account is closed for any other reason, youll have at least 30 days from the date your account is closed to use your points, as long as you dont lose them for any of the reasons described in this agreement. If you dont use your points during that time, youll lose them. 
Source : XXXX XXXX XXXXXXXX We called Chase, spoke with a supervisor and requested the points be returned to us. Through XXXX, the case was also allegedly escalated to their " Marketing Escalation Research Team '' and the response was " we are sorry, we will not be able to honor your request. ".

We were informed we had 3 months by a Chase agent. The program agreement says " at least 30 days ''. We clearly have the right to these points that we earned in accordance to their program. Please help us get them back.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (MI)

My updated credit report from Equifax was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If Equifax has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXXXXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2020-01-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Utah System of Higher Education (TX)

I have repeatedly sent information to XXXX  to request IBR, etc as I am not in school. I can not afford to make ANY payments. I work at a restaurant and hours have been cut due to the season which causes a reduction in business. I supplied my check stubs and was advised that based on tips that were averaged that I do not qualify. My check stubs at the time showed I made about $ XXXX/ {$15000.00}. I have repeatedly faced this information. My family has faced information including check stubs. I ended the year {$17000.00}. No one knew anything, the answers were ludicrous, and no one seems to care. I am struggling to pay rent and my mother tries to assist if she can, she has XXXX XXXX and this is causing her to stress which can lead to an Exacerbation/Relapse. She has been able to enter an IBR as our financial situation is hard especially after her hospitalization. She is in Texas and I in Massachusetts because it is hard for me to continue school and her health has/had taken a toll on me which contributed to failing some classes. XXXX  has people working there that calculated income that was twice as much as I made with only at that time 2 months left in the year. I did not work XX/XX/XXXX _ XXXX XXXX and am only receiving 1/2 or  less of the hours I should receive as a full time employee.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SQUARETWO FINANCIAL CORPORATION (GA)

I open the an XXXX XXXX XXXX Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and XXXX. These are a few of the know debt collectors using my information as tactics to defame my consumer report.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This company reinserted an account without sending me a notice within XXXX days causing my credit score to drop not being able to qualify for a home loan. Per law they had XXXX  days to send notice of reinsertion, and they chose NOT to.
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

XXXX complaint number from previous company who sold this debt to a different company 2 months ago ( XXXX XXXX XXXX ) sold to Phoenix Financial Serv this was paid by insurance these 2 company 's need to be investigated
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

After submitting an opt-out notice to XXXX XXXX XXXX regarding a current loan, XXXX responded by declining to honor my request. I want to exercise my rights under 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.

a ( 1 ) ( ii ) - That the consumer has the right to opt out of that disclosure ; and 12 CFR 1016.7a ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
I would like to remind XXXX XXXX XXXX of the following sections of the same federal regulation. Please be advised that You is referring to the furnisher of the nonpublic personal information. 
12 CFR 1016.7a ( 2 ) ( i ) - Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party 12 CFR 1016.7a ( 2 ) ( ii ) - Reasonable opt out means. You provide a reasonable means to exercise an opt out 12 CFR 1016.7a ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
XXXX XXXX XXXX have failed to adhere to Federal Code regulations and need to be held accountable for their negligence.
Consumer complaint received 2017-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

XXXX / XXXX / XXXX  ... the   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the   XXXX   XXXX  .  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX  town of   XXXX   rescue  XXXX   XXXX  the   XXXX   XXXX    XXXX  town of   XXXX   rescue  XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  XXXX   XXXX , all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (CA)

After I retune my car and exchanged it with another MB, XXXX XXXX XXXX was supposed to payoff the over mileage of that car as they agreed on. after few months I received an invoice from XXXX XXXX XXXX that I owed them over {$1000.00}. for over milage. The dealership was saying they will take care of it and after several months finally they said as we did n't put that in the contract, I have to pay MB financial but they agreed if I pay XXXX % they will pay the balance. XXXX XXXX instead of paying it in full, they paid them a settlement amount without my knowledge which in XX/XX/2016 when I wanted to refinance I notice that they did n't pay in full and damaged my credit. there was a balance of {$260.00} was left. MB financial requested if I pay the balance they will change the report as paid in full. 
So I paid it off in XX/XX/2016. Still in all my credit reports it has n't been corrected and still is affecting my score and credibility. Please see attached letter from MB Financial
Consumer complaint received 2018-03-22
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. (MS)

I filed for bankruptcy almost eight years ago and it was dismissed in XXXX of 2011. I have been asking all three bureaus to either remove the bankruptcy from my credit report or at the least show the updated information, that it was dismissed and remove the balance. They have refused to respond to my numerous letters and have not taken any action as far as I am aware. I have also sent them the discharge paperwork, which I will include here.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rubin & Debski, P.A. (VA)

In XXXX XXXX, I reviewed my credit report via XXXX after being denied credit to refinance my house. I was advised that I had XXXX civil judgments on my credit report. Both civil judgments occurred in XXXX XXXX, Fl. I pulled the docket numbers ( XXXX and XXXX ) from XXXX XXXX Circuit Court. The defendant in both cases is XXXX XXXX XXXX, XXXX XXXX XXXX, FL with a date of birth of XXXX/XXXX/XXXX, SSN : XXXX. Debski Associates was the plaintiff for XXXX and XXXX was the plaintiff for XXXX. My name is XXXX XXXX XXXX, XXXX/XXXX/XXXX, Last 4 SSN : XXXX. I notified both plaintiffs on XXXX XXXX XXXX that XXXX XXXX collection and derogatory information ( attached documents ) was placed on my credit report erroneously and I wanted it removed expeditiously. Four months later it was removed from all XXXX credit reports after my credit score dropped, my credit agencies closed my accounts or reduced my credit limit. This also affected my security clearance for Department of Defense. 
In XXXX XXXX, I received a letter from a credit card ( XXXX Bank ) stating that my credit limit was being reduced on credit card due to serious delinquency and collections. I pulled my XXXX credit report and the previous collections ( XXXX and XXXX ) from XXXX XXXX Circuit Court were placed back on my credit report, to include additional delinquent credit card and mortgage accounts. At this time, I have been refused credit as well as the ability to lease a house. My credit score has dropped over XXXX points and once again my security clearance is in jeopardy. I contact the XXXX Credit Agencies and pointed out the disputes on the reports reference to XXXX XXXX XXXX. However, all agreed to look into the disputes but none was able to explain why this issue occurred again. XXXX actually told me to contact XXXX XXXX XXXX and have her fix her credit issues. I attempted to make contact with Debski Associates and XXXX to get this issue resolved ; however, neither company would address the issue and told me to contact the Credit Agencies. I 'm prepared to provide copies of my XXXX and XXXX XXXX credit report, the dockets, and letters to the XXXX plaintiffs.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

OnXX/XX/XXXX I opened up a checking account with Capital One 360 under the premise that if I make 2 direct deposits of XXXX by XX/XX/XXXX that I will be awarded XXXX. I rearranged my direct deposit to satisfy the stipulations. There was a direct deposit made on XX/XX/XXXX and a direct deposit on XX/XX/XXXX. I called yesterday to see when will I be getting the incentive and I was told because the promotion was n't targted to me that I will not be eligible. That was not apart of the criteria when I opened the account and after I opened it, I called the next day and was told that I would be eligible. I spoke with 2 representatives on XX/XX/XXXX that told me that i was not eligible for the incentive. I posted this issue on their XXXX page as well as I emailed the CEO of the company. Companies should not be able to take advantage of people in this way.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-01
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. (SC)

This complaint is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately.

1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE.

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ 10,000- {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there. 

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.
Consumer complaint received 2019-03-01
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: EQUIFAX, INC. (MO)

I noticed an unusually large number of unauthorized inquiries on my Equifax, XXXX and XXXX   credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/ 2019. 

It is XX/XX/ 2019. As of today the inquiries have not been blocked per the FCRA regulations.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-03-22
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 filed for bankruptcy almost eight years ago and it was dismissed in XXXX of 2011. I have been asking all three bureaus to either remove the bankruptcy from my credit report or at the least show the updated information, that it was dismissed and remove the balance. They have refused to respond to my numerous letters and have not taken any action as far as I am aware. I have also sent them the discharge paperwork, which I will include here.