davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kenneth E. Davidson, Attorney (CO)

The apartment complex and their collection agency have failed to adequately address and verify the disputed charges I raised in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite my formal dispute, they have merely reissued the original balance statement and lease agreement without responding to the specific discrepancies I outlined. 

These concerns include : Unsanctioned Trash Fee : I requested proof that the {$50.00} trash fee was explicitly stated in the lease agreement, as fees not included in the lease are unenforceable under Colorado law. No such proof has been provided. 

Excessive Labor and Repair Costs : I asked for an itemized breakdown and justification for the repair and labor charges, as the amounts far exceed typical rates in the local market. This request has been ignored. 

Pre-Existing Damages : I provided photographic evidence taken at move-in that shows the damages they are charging me for were pre-existing. They have failed to acknowledge or address this evidence. 

Appliance Age and Condition : The dishwasher was 17 years old at move-in, well beyond its expected lifespan. I requested verification of its condition and justification for charges related to its replacement, yet they have ignored this concern. 

Utility Charges Beyond Move-Out : I vacated the unit on XX/XX/2024, but I am being charged for utilities through XX/XX/2024. I requested proof of utility usage beyond my move-out date, which has not been furnished. 

Remodeling Costs : I provided evidence that the complex was remodeling units after tenants moved out, suggesting the intent to replace certain items regardless of their condition. They have not addressed this concern or provided proof that these replacements were tied to my tenancy.

Instead of addressing these legitimate concerns and providing the requested documentation, the collection agency responded with a dismissive remark and reiterated their intent to collect the disputed debt. This response is inadequate, unprofessional, and a violation of my consumer rights under the FDCPA, which requires debt collectors to verify and substantiate disputed debts. 

As a result of their failure to provide proper verification or address the outlined discrepancies, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ). I have also escalated this matter to the Colorado Attorney General 's Office and am consulting with consumer protection and landlord-tenant attorneys to explore further legal options. 

I remain willing to settle for {$4200.00}, which I acknowledge as my responsibility, but I continue to dispute the additional {$4000.00} in charges that lack sufficient justification or documentation.
Consumer complaint received 2021-07-15
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: Experian Information Solutions Inc. (MO)

XXXX XXXX/XXXX  2 late payments XXXX Closed 4 late payments XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX XXXX XXXX XXXX Closed 36 potentially negative months XXXX  XXXX XXXX Closed 1 late payment XXXX XXXXXXXX XXXX Closed 21 potentially negative months XXXX XXXX  XXXX Closed 39 potentially negative months XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX XXXX XXXX  XXXX  Balance updated XX/XX/2021 2 late payments XXXX XXXX XXXX XXXX Closed 3 late payments XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX  Closed 40 potentially negative months
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MN)

I tried on 3 separate occasions to get a 2 90 day late reporting removed from my credit. I was in a forbearance program and admired to the hospital during one of the renewals. It was a system error that showed my account in default of 90 for the month of XXXX for 2 years in a row. This has caused me horrible problems in accessing new lines of credit during a critical time of my life. I have documents to prove I was keeping in contact to the best of my ability with the exception of when I was in the hospital and not checking email. I was very sick. Despite me 3 attempts for them to remove my 90 day late status it went unresolved. Now the company has gone out of business and I dont know if I will ever be able to remove this false and inaccurate information because that company reported in error there were many people with the same complaints so I hope you get multiple people to respond about unfair credit reporting practices that need to be regulated. They sent me documents saying my loan was approved for deferral status and then in XXXX of two different years hit my credit with a 90 late.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2021 {$140.00} XXXX was in care of XXXX XXXX XXXX for XXXX XXXX XXXX In XXXX, Fl. Wells Fargo. None of the evelope or funds were given to me. Not even a dollar. Messing up my credit with purchases. My money was put in volt to hide it from me. We made me lose my items from my home by refusing to give my money back. It's not just her XXXX XXXX. XXXX XXXX. Next up XXXX XXXX XXXX lawsuit. Stole XXXX XXXX Dollars. Hurricane came I was left in the street while they live in my brand new home. XXXX XXXX XXXX
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Equihome Mortgage, LLC (MI)

I was sent a solicitation by US Mail from Equihome Mortgage ( NMLS # XXXX ), which was trying to get me to refinance my existing mortgage with them by making false claims. 

As you can see in the attached image, they advise that if I refinance my with them I can eliminate monthly mortgage insurance premiums from my loan with XXXX and save hundreds per month, with other possible benefits as well. 

Two false claims here immediately jump out : 1 ) My loan is not with XXXX. 
2 ) I put 20 % down when I purchased my home back in XXXX and have never pulled any equity out ; so I do not have - and never have had - mortgage insurance. 

This type of advertising is predatory on consumers. If I believed what is in this letter, I would think its possible that there is another mortgage out there in my name that Im not aware of ( with XXXX ), or that I need to refinance to save hundreds of dollars ( that Im not spending ), etc. 

Please address this with the lender.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XX/XX/year> Account name XXXX XXXX Account number XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need to be deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (LA)

On XXXX I made 2 orders from XXXX via Cashapp. There was a pre-authorization hold placed on my account at that time. The order transactions have been fully completed but due to an overcharge on the holds I now have 2 " pending '' transactions on my cashapp account that Cashapp is totally refusing to deal with or handle. They keep telling me to contact the merchant ( XXXX ) which I have done SEVERAL TIMES and have been given proof that the merchant has sent cashapp the codes required to release these holds from my account. Said proof has been given to Cashapp SEVERAL times and they are STILL refusing to release the " pending '' transactions and put the money back into my account. This is an ongoing issue with Cashapp and several thousand customers are having this same exact issue, as proven by complaints with the XXXX  and several other agencies. This needs to be handled and Cashapp needs to held accountable for their failure to handle customer complaints, and their failure to properly handle their customer 's money. 
Attached to this complaint are screenshots of the conversation ( every one is copy and paste replies from them on the SEVERAL times I have attempted to have them handle this )
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-04-07
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. (NY)

I requested verification of an account with XXXX XXXX XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful account.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-04-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MO)

I have a existing VA loan with this company. Since the original loan, which my husband the vet was a part of, my husband passed. I applied for an IRRRL loan on XX/XX/XXXX. The company keeps putting my name down as the vet. I was sent a generic denial of credit statement on XX/XX/XXXX. When I called Freedom Mortgage I was informed the VA denied the refinance. I called the VA and was told the Mortgage company had submitted the incorrect form. I am not listed as the surviving spouse in their database. I would need to be the surviving spouse in the event of a new mortgage but with the IRRRL I still qualified. The mortgage company should list my husband as the vet and not me. I called the Mortgage company back and the loan advisor started a new loan on XX/XX/XXXX. I have had to submit countless copies of the same forms over an over. Every time I called, a new form request popped up into my email. I have worked with over 10 people including multiple customer advocates and an escalation group to try to resolve this. Today I again received a request for the surviving spouse form. When I spoke to the VA in XXXX they stated a special certification was needed to administer VA loans and I should talk to a manager. I have tried again and again to escalate this issue within Freedom Mortgage. The people who seem to listen add a note to the file, but still the same results. No one is either looking at the notes or cares.
Consumer complaint received 2020-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am writing to BANK OF AMERICA because I am having difficulties with buying a house and applying for new credit cards. I paid the charge off and do not owe anything, but the marks in XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting BANK OF AMERICA to remove this charge off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2021-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED TRANSUNION AND XXXX  AND XXXX  XXXX XXXX XXXX  Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX  OR TO XXXX XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (GA)

I have attached a cease and desist letter and a letter requesting that this alleged debt be validated by Coast Professional , Inc. I do not have any agreement with this company nor do I owe Coast Professional, Inc. anything! I do not know why this company has any of my personal information. Coast Professional , Inc. is attempting to collect an alleged debt amount that is not accurate and I have proof!
Consumer complaint received 2024-12-14
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC (OH)

This morning, I saw that my credit score dropped XXXX points and a third line of credit was opened through my bank. It was a debt of {$70.00}. The name of the organization that posted it was XXXX XXXX XXXX. From further research, online it says they collect for XXXX. I have not had an agreement with XXXX in nearly XXXX  years and have received nothing from them/XXXX  regarding unpaid services. I tried calling Waypoint and it said they could not answer because of technical problems. Every review says this group is scamming people and provide no documentation to support what theyre trying to collect. I need assistance getting this removed from my credit report and ensuring they do not have any of my information moving forward.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (CA)

XXXX Moved into a home in XXXX AZ The home had to many issues paid {$4000.00} to move in told them we were not happy and found a new teamster to rent the place for them to terminate our lease they signed a new lease with a new tenant and said the would refund our deposit and months later did not than said they were keeping it because of a early lease termination fee. Years later they reported that I owed {$3500.00} for repairs to the house rent unpaid? And late fees? We were in the home for two weeks? And it was rented. We found out a new management company XXXX XXXX XXXX  took over the account and reported false information to there scam partners us collection west and they put a collection on all three of my Credit bureaus I was able to remove it from all three bureaus and XXXX and then it showed up again in XXXX during Covid and I still owed because I moved I no longer have all the supporting documents and Ive been trying to work with you as collection last but I found out they are partners with XXXX XXXX XXXX theres no number they will give me to talk to XXXX for proof they gave me an itemize list of false charges that were owed and have threatened me multiple times that they will just keep reselling the debt until I pay. And keep adding collection fees and interest. I am a retired XXXX XXXX Vet. And they know I am trying to buy a house and think they can strong arm me to pay this false debt. 

I have even offered money out of desperation {$1000.00} to remove this 5-6 year old debt collection that is not owed. 

They agreed to XXXX than changed that to {$4300.00} than called and said XXXX and now {$3000.00} ..they are a private owned collection company I spoke to XXXX he threatened me and lied and said he is friends with the owner and said he just called him and will take {$3000.00} but will not give me the number so I can despite the false debt directly with the alleged creditors, I have XXXX  and searched for XXXX XXXX XXXX in Arizona and around the country none exists? That would have properties in Arizona!! 

This is the true to the best of my Knowledge