davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-08-26
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Lakeview Law Group, PLLC (MN)

I started a debt consolidation program with Lakeview law group in XXXX of XXXX. At the time i signed up for the program I was informed that it could take up to three months to get all of my account in negotiations. I was lead to believe that all of my account would be negotiated at least 15 % from the original balance or i would be refunded a prorated amount of the fees charged up to the 15 % n difference, 13/14 months into the program i reached out as i noticed my two largest accounts were still not in negotiations given that the are a law firm i was no longer contacted by the creditors because i had 'retained ' the company for their services i was not aware that they were still not in repayment. prior to this i was not behind or late on any payments, just overwhelmed paying minimum balances. As of the last date i checked my balances not one account had been negotiated down the 15 % i was lead to expect. it was also not properly disclosed that in additional to a large monthly fee i was to pay a 'service fee ' every time they made a payment to each account in my profile which could be up to 8x a month. at that point just about half of my payment was going to them in fees while my two largest debts sat idle for going on two years.
Consumer complaint received 2022-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have been trying to contact bank of america about the credit card i had with them some years ago, in the amount of {$5000.00}. I called them about two months ago to see if I could go ahead and settle since I recently sold my home. They informed me that the account was turned over to someone else, and then that company said it was turned over to XXXX XXXX XXXXXXXX. I called XXXX XXXX XXXX and they informed me I told them not to contact me, which was not true at the time. I filed a complaint against XXXX XXXX XXXXXXXX and bank of america to the cfpb and XXXX. bank of america on two occasions did not want to comply with the XXXX  on the last occasion, they rejected the complaint from the XXXX. XXXX XXXX XXXXXXXX never even replied to the XXXX  complaint i had against them. bank of america also informed the cfpb nearly a month ago, that they would contact me directly concerning the credit card account, but they never did. I even called them and each time I called, no one answered and it would also go straight to voice mail. I have been trying to get the credit bureaus to remove this account from my reports since no one at bank of america will talk to me. I am a XXXX veteran and I must report bank of america and XXXX XXXX XXXXXXXX to the department of justice and to my congressman if they will not have the credit bureaus to remove this item from my credit report. this is getting ridiculous because I am trying to buy a house and I cant now
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Columbia Debt Recovery is trying to collect a debt that does not belong to me, the information they provided me is that it is a fee charged by an apartment complex to verify housing application. I do not live in XXXX XXXX and have never lived in XXXX XXXX. 

When I spoke to request information, the company suggested that I need pay the debt because no one was going to be able to help me with that debt. I consider it a method of extortion and harassment on the part of the Collector, they did not even have my information on where to collect the debt from me, until the moment I contacted them, they began to send me emails with the charges.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XX/XX/year> XXXXXXXX XXXX XXXXXXXX at US bank campus commons in XXXX XXXX, California I deposited {$1000.00} in my checking account into an ATM. The ATM did not credit the amount and printed out a receipt that explained a machine error has occurred and we are unable to credit your account or return some of your items you attempted to deposit. Contact your financial institution at the number on the back of your card. 10 minutes later I had called customer service at XXXX and talk to the representative whos only solution was to file this dispute after explaining that I have rent due today and this will affect my housing and asked what more could be done. Her only solution was to file a dispute. 
The next day on XX/XX/year> at XXXX XXXX. I arrived at XXXX  XXXX XXXX. XXXX, XXXX US Bank. And explain to XXXX XXXX whose only solution was to wait out the 10 day waiting period before I can receive my funds back. She also offered solutions to apply for credit cards/loans. She asked if I knew any family which was an extremely sensitive subject since I am a XXXX XXXX XXXX with no family. I explained that my housing is at risk and I also just custody of my little sister and I am also at risk of loosing her due to this problem. Yet her only solution was to wait 10 business days. I even went to a church that day to find help and left US bank discouraged and broken. On XX/XX/year> I called again at XXXX and talked to the same person and explained the same situation that has happened and she gave me the same response, and left will with no help. I have been with this bank and my job checks come from US, its very disheartening that the bank I bank with will not help find a resolution to this matter in good faith of being a trusted US banker, otherwise I can not see any benefit to banking with them.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Subject : Formal Complaint Regarding Experian Credit Reporting Companys Handling of Credit Disputes Dear Sir/Madam , I am filing a formal complaint against Experian Credit Reporting Company for failing to appropriately validate and resolve disputes I filed regarding several items on my credit report. 

Disputes Filed : XXXX XXXX XXXX - Dispute filed on XX/XX/XXXX XXXX XXXX - Dispute filed on XX/XX/XXXX XXXX XXXX XXXX - Dispute filed on XX/XX/XXXX Despite my efforts to resolve these issues, Experian did not take the necessary steps to safeguard my credit report by appropriately validating these debts. Additionally, they did not provide me with the information used to validate these debts, which is my right under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

As a result of Experians mishandling of these disputes, these negative items are still being reported on my credit report. This has defamed my character and caused me to pay higher than normal interest rates due to the ongoing negative reporting.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

Your letter is well-articulated and highlights your concerns clearly. However, to ensure a more professional tone, I would suggest a few revisions : -- - **Subject : Urgent Request to Address Credit Score Discrepancy** To Whom It May Concern, I am writing to bring to your immediate attention a concerning discrepancy in my credit score as reported by Experian. Despite identical information being provided to all major credit reporting agencies, my Experian score is significantly lower than those reported by other bureaus. This discrepancy is troubling and raises concerns regarding the accuracy and fairness of the scoring process. 

Attached, you will find documentation of my credit scores for your review. The consistency in my credit information across all bureaus makes it evident that the lower score from Experian is not justified. I am particularly concerned that this discrepancy may be influenced by factors such as my race and gender, which, if true, would be a serious violation of my rights as a consumer. 

I kindly request that you immediately address this issue by thoroughly investigating and correcting my credit score. It is essential that Experian applies my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) accurately and upholds its responsibility to provide fair and accurate credit assessments. 

I expect a prompt resolution to this matter and anticipate that my credit score will be adjusted accordingly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (NY)

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File. On XX/XX/XXXX, I also sent a dispute letter to the credit bureaus asking them to delete the following accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1500.00} ; that are UNKNOWN to me. The Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) requires the credit reporting agencies to delete all accounts and information no later than four business days following XX/XX/XXXX, according to the statute that I just learned about. This is something I've already mentioned in my complaints # XXXX, # XXXX, and # XXXX and is something I'm mentioning once more. If the Credit Bureaus assert that the disputed things belong to me, kindly send me copies of any documentation that establish my ownership of the disputed items or that include my signature. The items in my credit file should be immediately removed if I don't receive them.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The U.S Department of Education is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report. U.S. Department of Education XXXX Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX Under the FCRA the finance charge should be in every consumer credit transaction. 

Under the FCRA the definition of a finance of charge is the sum of all charges. 
12 CFR 226.4 Definition of a Finance Charge Insurance should have been included in this transaction. If it did default, then it was supposed to be handled. 

Anything you are trying to charge outside of that, a finance charge does not include cash. This is considered to be fraud. 

There is no law that defines that defines what a charge of is. If it was charged off, please what law you used to define it.
Consumer complaint received 2022-09-30
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. (GA)

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcy information to the credit bureaus. I received a letter from the courthouse stating that they do not report bankruptcy information to anyone. So how did the credit reporting companies verify my bankruptcy as 100 % accurate? They never did a fair investigation as stated by law 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( E ) ( 3 ) States ; " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights on numerous occasions. 

Credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S.C.1681 Section 602 A States I have a right to privacy. 

According to 15 U.S.C 1681 Section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 

According to 15U.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 2022-07-29
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. (VA)

It appears that my credit has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these Inquiries. 
XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these Inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Dispute Case Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - Disputes Filed XX/XX/year> - Disputes Denied USAA claims they have no recourse for my dispute case with XXXX Services through XXXX. They erroneously accepted the merchant 's response at face value despite my provided documents disproving their refutation before it was even offered.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent.

Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (MA)

XX/XX/XXXX, call from Discover Card to remind me to fill out and file a form they allegedly sent me in XXXX to verify my identity. I never got the email so they sent it again. They claim it was a random identity check, but the form requested authorization to look at my last two years ' tax returns. They also asked for my social security number, both of which I declined to do. I smelled fraud. I told them so. They said it was a random check. I said, you dont need my tax returns to verify my identity, and you dont ask for SS numbers on an unsecured phone line. They then asked alternate questions and finally agreed I was who I said I was. But they wouldnt reopen the account. 

Today I was declined a purchase even though there was adequate credit. I called the number on my card and got the same story. Ridiculous.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was notified of a refund from a medical clinic/institution and upon checking the details, it was brought to my attention that it was refunded to a debit card that was tied to a checking account that I had closed the year prior. I called the banking institution that the debit card was tied to and was reassured that if the account was closed, the refund would have been refused on my behalf and I was instructed to connect with the issuer of the refund. I reached out to the medical clinic and was put in touch with the finance department who informed me that the three refunds I was inquiring about, one that was refunded XX/XX/XXXX for {$210.00}, another on XX/XX/XXXX for {$220.00} and the third refunded on XX/XX/XXXX for {$130.00}, were showing in their system as accepted by the bank the refunds were sent to. The finance department provided me with screenshots of the what their system showed and I was able to confirm the account that the refunds were sent to was tied to my previous debit card along with the IDs of the transactions. With the IDs of the transactions, I called my previous banking institution again and provided the IDs for them to verify. I was told again that they had no record of those refunds on my account and was reassured that if my account was closed they would have rejected the deposits on my behalf. I reached out to the finance department again of the medical clinic and was told that since their system was showing it as accepted by the recipient of the refund there wasn't any thing further they could do for me. My previous banking institution continues to deny that the deposits were received and accepted. So, there is a total sum of {$570.00} that is unaccounted for that I have still yet to receive.