davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (LA)

I received an alert of an account on my consumer report and notice a collection from Convergent Outsourcing dated XXXX.According to my report, the account was opened XX/XX/2021 and i've never been notified of this. So I sent out a validation letter along with a cease and desist letter XX/XX/2021 certified with a delivery received slipped. A rep from Convergent by the name of XXXX XXXX called me about the account. He asked if i was the person at that address. I never verified my name with him or my social. The address he provided was not my address, never have been. He goes on to say he have the wrong number and hangs up. They sent a letter back with a bill they say i owe which i do not because ive never lived at the dwelling the have associated with the account and that's not my name.
Consumer complaint received 2021-04-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I've been disputing a collection account with Portfolio Recovery Associates for over a year. After an unsuccesful attempt to resolve this collection account in 2019, I began sending written communication to them XXXX 2020 & every 30days after that until XX/XX/XXXX 2020. To date, I still have not gotten a response or resolution. Before filing a dispute, I asked for verification of this debt from Portfolio Recovery Assoc. After sending multiple requests with no response, I then sent several requests XXXX to them & the credit reporting agencies ) asking for them to remove this collection account from my credit reports. Portfolio Recovery Associates has ignored my requests for verification & deletion, causing damage to my credit profile for 2 years.
Consumer complaint received 2022-09-13
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: LEXISNEXIS (MN)

the consumer reporting agency LexisNexis has infringed my right to privacy and has violated many federal laws. LexisNexis has violated my rights to privacy and consent. by furnishing my public information without notifying me or having my written consent. the law Cleary states i have a right to privacy. in response LexisNexis told me that this law doesn't apply to them and and they can furnish my information without my written consent. LexisNexis also reply to me saying they are not a Fianacial institute. they only validate information. LexisNexis never gave me the right Wich is required by law to dispute any negative information that's being furnished to my consumer profile. im currently working with my states attorney office to hold this company accountable for breaking federal laws and for disregard to consumer rights. my states attorney office still has yet to receive response from LexisNexis for violating my rights. Wich, we have more than enough evidence to hold this company accountable. in federal court. as a result of XXXX  violating my rights. i was discriminated against and denied my right to extend credit. i also suffered emotional as well as financial hardship. there for LexisNexis is liable according to 15 usc1681o. other vioaltions 15 usc 1692a ( z ) - 1681 ( a ) ( 4 ) 15 usc 1602 ( k ) 15 uisc 1692j ( a ) 15 usc 1692a ( z )
Consumer complaint received 2021-04-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I began contacting Capital One Auto Finance in XX/XX/XXXX XXXX written letter sent certified mail ) advising them that they were incorrectly reporting information on my credit report ( incorrectly reporting it as a charge off, incorrectly reporting an amount due, and I requested that the repossession be removed from my credit report based on the Servicemembers Credit Relief Act protections ). To date, they are STILL reporting my account as a charge off, still reporting an amount owed when there should be done, and it is nearly impossible to speak with someone regarding the issues I'm having with this loan because once your account is closed they only allow you to speak with their collection agency. Unfortunately, the collection agency doesn't have the information/tools to deal with the problem I'm having but when I contact COAF 's customer service they can't help because I no longer have an account. 

After experiencing financial hardship, Capital One Auto Finance repossessed my vehicle in XX/XX/XXXX & sold it at auction. Once the proceeds from the sale of the vehicle were applied to my account, COAF began reporting a balance due of {$2200.00} in XX/XX/XXXX. I was advised of certain rights & protections available to military servicemembers & their dependents/spouses so in XX/XX/XXXX, I contacted Capital One to request protection under the XXXX. To their credit, Capital One did retroactively apply XXXX protections & made adjustments/credits to my loan account to reimburse me for fees, penalties & interest that I was charged during the covered period. They issued a total of {$2200.00} in credits to my loan account ( see attached photo ). This should have closed my account with a paid in full status but instead, COAF has continued reporting this as a charge off account with an outstanding balance of {$1200.00}. I also requested that the repossession be removed from my account since it was done without court order which is a requirement under the XXXX. 

Capital One Auto Finance has not responded to any of my communications, both written & by phone to resolve this issue. I have no idea what else I can do as I have already given them all of the details & they still refuse to correct this. This problem has been ongoing for over 2years & causing a lot of damage to my credit file.
Consumer complaint received 2021-07-16
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: PENTAGON FEDERAL CREDIT UNION (NY)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-16
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: JPMORGAN CHASE & CO. (TX)

hard inquires made on XX/XX/2021 by JPMCB Card and XXXX XXXX and I did not request or authorize these two inquires. It was not me applying for credit with these two credit card companies and want information removed from my credit report. Also, a Fraud Alert has been put on my report.
Consumer complaint received 2018-07-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dyck-O'Neal, Inc. (NY)

I settled with my mortgage company on the short sale of my home. An amount was agreed upon but no timeframe or monthly amount due was part of the agreement. Only that the debt will be paid in a reasonable time. Dyck Oneal purchased this debt and converted it into a monthly payment with a fixed term without my consent. If payment is considered late by them, a negative remark is placed on my credit report. Constant phone calls are made to my home and relatives asking when payment will be made. My credit is now damaged by this company and causing financial hardship.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

I moved out of California a year ago. I contacted all of my utility companies to pay the final bills. I was told by XXXXXXXX XXXX XXXX  that I had a XXXX balance and the account was closed. I was then sent to collections and notified by the collection agency that there was an outstanding balance of {$270.00} a few months ago. I immediately paid it and asked XXXXXXXX XXXX  XXXX to remove from my credit report because I had never received a bill. They said they would be willing but I would have to ask the collection agency to do so. I tried but they also said XXXX XXXX XXXX would have to do so. At this point I don't know who to ask but this should be removed from my credit report regardless as I never received the bill and paid it as soon as I was made aware. I have a perfect credit history for over 20 years aside from this ridiculousness.
Consumer complaint received 2018-07-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A. (DC)

I received a letter stating that I owed a debt and they sent me a copy of a request for garnishment. This debt does not exist. I informed them some time ago that this account is not a real debt. The letters stop coming for years until I received the garnishment request.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I HAVE BEEN A VICTOM IDENTITY SOMEONE HAS OPENED A CRAD UNDER MY NAME WITH Bank of America, I HAVE DONE A POLICE REPORT SENT IT TO Bank of America ALSO TO THE 3 CREDIT BUREAU AND IT HAS NOT STOPPED I KEEP GETTING HARASSING CALLS THIS STRESSFUL FOR ME IM AN OLD MEN OF XXXXEARS OF AGE.
Consumer complaint received 2020-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Fraud incident with-out resolution CFPB incident no XXXX PayPal was payment acceptor for goods or services XXXX XXXX XXXX XXXX WAS THE FRAUDULENT MERCHANT XXXX. This Incident was reported to The United States Government Postal Inspectors Generals Offices whom did a combined investigation with the Local XXXX XXXX  Post Office incident No XXXX. Upon further review of investigation. XXXX XXXX Contacted me VIA cell phone to inform me that my transaction was a fraud scam these individuals stole other peoples tracking numbers- gave me some one else number which shows an item was sent to my City but not my address nor was it the item I paid for. I live at XXXX XXXX XXXX. The item was sent to XXXX XXXX XXXX. 

Investigation conclusions- The Merchant PayPal conducted business with was a fraud according to the United States Government Inspector Generals Office and Local XXXX Post office
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MS)

On XX/XX/XXXX, I contacted Ally to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from Ally stating they were making a negative entry to my credit report. I called Ally and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about Ally correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from Ally Corporate relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking Ally to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.
Consumer complaint received 2021-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC is trying to collect a debt not owed, my identity was stolen and used to open this account as a result I have frozen my credit reports. I do not know this company and do not have a contract bearing my signature with LVNV Funding LLC
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I have asked for PROOF of " validation of a XXXX XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " XXXX and Lexis Nexis '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.
Consumer complaint received 2020-07-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32.00}, {$600.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account.
Consumer complaint received 2024-02-21
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-14
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. (TX)

I have several inquiries on my reports that I did not authorize and do not recognize including : XXXX Report XXXXXXXX XXXX/ Inquiry date XX/XX/XXXX *XXXX XXXX XXXX XXXX date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX /Inquiry date XX/XX/XXXX Experian Report XXXXExperian XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX/ Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX / Inquiry date XX/XX/XXXX
Consumer complaint received 2018-07-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CIS DIRECT LENDING (AL)

XXXX XXXX XXXX  WAS A THIRD PARTY DEBT COLLECTOR TO LOAN NUMBER XXXX. THEY DID NOT PROVIDE ME WITH A WRITTEN NOTICE BY CERTIFIED MAIL SAYING I HAVE THE RIGHT UNDER THE FDCPA TO DISPUTE THE DEBT WITHIN THIRTY DAYS.
Consumer complaint received 2018-07-05
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. (MO)

Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX  XXXX XXXX, and XXXX.
Consumer complaint received 2022-09-14
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. (TX)

I have several inquiries on my reports that I did not authorize and do not recognize including : TransUnion Report XXXXXXXX XXXX/ Inquiry date XX/XX/XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXX  / Inquiry date XX/XX/XXXX XXXX XXXX /Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXXXXXX XXXXXXXX / Inquiry date XX/XX/XXXX *XXXX XXXX XXXX/ Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXXa/ Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXXt / Inquiry date XX/XX/XXXX
Consumer complaint received 2018-07-06
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. (NY)

In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Equifax. Equifax responded by deleting 3 of the 4 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX XXXX, Assistant Vice President of Executive Services at Suntrust now Truist did not follow the Judges court order. In her letter in responding to prior complaint regarding safe deposit box contents, info is absolutely not truthful or accurate. The contents were not made available for XXXX XXXX to view.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (CA)

I check my credit often because I 'm monitoring it cuz planning to purchase a home by the end of the year. Just recently got married. So i was looking through   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   noticed Deville on my credit report. I did n't recognized the name so decided to contact them. Spoke to a   XXXX   XXXX   and asked her what is this all about. And she told me it 's a credit card through  XXXX  that was opened back on 2004. It did n't dawn on me till later that why would this show up now if it 's been opened for that long. Never did I get any letters from them.