davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (FL)

I rented a home, and subsequent to my move out inspection, which was signed and dated by me, I was sent a different fabricated move out inspection form which was inaccurate and had on it whatever the company decided to add. I then was sent a deposit reconciliation form with inaccurate and inflated charges. To which, I repeatedly wrote to them, sending them pictures of the preexisting condition of the home. They have since responded by not reading the documentation I submit and reassigning me to a new property manager after the end of my lease. Asking or requiring me to resubmit all the documentation I had already submitted to the property manager who was in charge at the termination of my lease and who did the final inspection with me. They have ignored my emails and unilaterally sent my file to debt collection. Who in turn calls me and states to me that they will be sending me written correspondence to my office in Florida, however the documentation never arrived and there was a collection added to my credit account shortly thereafter. In addition to the pictures and email of the pre existing conditions of the home. I also have multiple witnesses who assisted me during my move out to clean and replace items that needed the same. Its quite clear that some of the things they are trying to collect from me for are fraudulent and or exorbitant and I have proof in pictures, witnesses, along with discrepancies in where the property management contradicts it 's self in its own documentation. They have kept my deposit and have fabricated damage that doesnt exist and or was preexisting.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

My account was hacked and a card with my number was used to make unauthorized purchases at a XXXX store, in the amount of {$70.00}, in XXXX, Michigan on XXXX XXXX, 2015. While Citizens Bank credited the unauthorized charge back, they failed to accurately credit my account for finance charges. I paid off all new charges monthly, yet continued to be assessed finance charges. I have had numerous phone conversations with Citizens personnel and written numerous letters. I finally cancelled the account on XXXX XXXX, 2015 due to their poor service. My most recent and final statement contains an erroneous {$11.00} finance charge and an unauthorized charge of {$74.00}. I have written a letter to Citizens identifying these items.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Two accounts ( x1 and mission lane ) are reporting late 3 late payments each. That information is incorrect/ inaccurate. All payments were made on time.

Furthermore, section 15 of the USC states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

I have sent them multiple notifications to remove said inaccuracies and verify said account. The account has not been removed from the report. 

These inaccuracies are stopping me from getting loans for houses and cars furthermore. 15 USC 1681 section 6028 states that I have the right to privacy.

15 USC 1681 604 section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. I have not given anyone written instructions to furnish anything on my consumer report any my right to privacy is being interfered with.
Consumer complaint received 2015-11-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (GA)

XXXX violated FDCPA XXXX by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XXXX XXXX, XXXX and dismissed on XXXX XXXX, XXXX while the case was being held in XXXX XXXX GA as of XXXX XXXX, XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XXXX XXXX, XXXX. FDCPA XXXX -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XXXX XXXX XXXX, XXXX showing persistence and determination to continue violations of FDCPA XXXX. The unfair debt collection practices violating FDCPA XXXX to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XXXX XXXX, XXXX the bill of sale and affidavit from Wells Fargo to Defendant.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (NC)

There is a $ XXXX {$920.00} XXXX XXXX Alabama charge originating in 2014 on my report. My account with XXXX has been cleared, I discussed and confirmed with them today at XXXX. This is fraud, and the Credit Mamagement ( their spelling on my credit report ) Company has been flagged and reported as a fraudulent debt collector. I do n't have any supporting documents because a legitimate account for this dispute has never existed.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXXXXXX XXXX  Bankruptcy Court Account Number : XXXX
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (LA)

Eos cca contacted me by phone saying that I had a {$270.00} debt from XXXX from 2012 and asked for my credit card number to pay off the debt. I have never had an XXXX account in my name, and had certainly never received any type of notification of debt. The only information I could find on this company was on XXXX and I read several stories similar to mine. I called XXXX and they had no record of me having an account or ever having a debt. I called Eos and told them this and they said that a customer service representative wouldnt know since they sold the account to the agency. I then called XXXX back and they said that even after they sell an account to a debt collector, they keep a record of who they sold it to and such, the account does n't just completely disappear. Eos said they would send me a fraud kit to fill out but it just does n't seem legitimate. They also said they already reported me to the credit bureau which seemed more like they wanted me to go ahead and give them my credit card number over the phone.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Thank you so much for responding to my complaint. But nothing in that response said anything that happen in XXXX. Yes I was approved for my XXXX modification in XXXX after I filed Bankruptcy. In XXXX I received my check back from you guys and I called and the rep from Bank of America ( bofa ) said they could n't find my Modification ( Mod ) paperwork. They said they can not accept any more payment until they find it. As we wait for the process. I received a call stating that they found it and also I 'm APPROVED for a Principal reduction. She also stated that she will be sending my paperwork for me to sign. 
Question : Where is the paperwork, I 've called every XXXX days until the end of XXXX and everyone kept telling me it 's on it way. Also XXXX time I called they said the department is closed down. So it will take a little longer. Now since this was going on of course the payments are falling behind. Yes I filed a complaint to my Attorney General office about speaking to so many different people and getting different answers. That 's why in XXXX they gave me XXXX person to speak too. So my question to Bank of America why you guys gave me the run around and then you knew by me applying for a XXXX modification within XXXX years that I was going to be denied. Also when I was already approved for themodification that you guys lost but then found. Why you guys did not give me the proper paperwork for the Principal reduction. I really think for the year of XXXX sounds very odd. And I was misled as a customer seeking for help. XXXX bank of American should had kept my check and not sent it back. Can you please explain to me what happen in XXXX. I was paying on time after my bankruptcy. I know you guys transferred me to XXXX but it started with you guys. And I feel they need to clear this up.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (IL)

I was preapproved for a loan from Wells Fargo and went under contract to purchase a home. 
Wells sent went on to send me my mortgage estimates, conducted the home appraisal and lead me to believe the loan was being approved by underwriting up until 8 days before the close. I have all documentation of correspondence and am considering legal action as well for financial stress on me, my family and the seller.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-11-22
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. (LA)

XXXX XXXX  account Acct # XXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in Discover Bank v. Scheimer, 36 F.3d 1214. Attached is also the dispute filing in XXXX. This is my 2nd request asking for the 1099c and providing proof of the that this is incorrect. Attached is proof that there is a balance still showing on my credit report and this account was suppose to be deleted per a final decision made by XXXX XXXX XX/XX/year>. It has not been deleted and still shows on all three bureau.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-11-22
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)

timely removal 4 days ( I escaped and currently at a trafficking safe house program ), I have provided my id disputed the exact errors DOJ Trafficking case number Letter from Cal Attorney General Confidentiality Program Restraining order Letter from Trafficking Program where I live Letter from XXXX XXXX XXXX XXXX XXXXXXXX says removal in 4 days of report. I need for any negative payment history to be removed And now I am about be out of time in this program and they can't get me housing or rental car because their non compliance in removing these derogatory credit issues. 

I believe I have been harmed by them and that they should be fined or sanctioned
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2016-01-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (KY)

I filed a complaint on Experian in a previous complaint. The complaint # is XXXX and it is still open. The CFPB responded Experian has provided a partial response. I have pasted their response below. In their response they say they will contract the data furnisher. This item was already disputed several weeks ago by me and denied by Experian as they stated they validated its accuracy. I put this in my original CFPB complaint. My question to the CFPB is why does Experian need and why are they being permitted to do another dispute and contact the data furnisher if they did this when they denied the dispute a few weeks ago?? If the CFPB reads the Equifax response, it does not address my complaint. This looks to me like a auto response or a form letter. This is exactly what is wrong with Experian. 
I am asking the CFPB to immediately require Experian to provide me with the documentation they used to validate the XXXX XXXX item on my credit report. This documentation must include the original creditor documentation for the account being reported and documentation showing the exact date the account went delinquent. 

Below is the Experian Auto Response Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Consumer complaint received 2024-09-03
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. (MA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (FL)

When moving from my prior residents I turned in equipment for wifi cable/internet. After several calls to XXXX I was assured this issue was resolved. XXXX listed me with XXXX wifi routers. I explained to them on numerous calls that I had only XXXX wifi router as this is XXXX home and they agreed. I did have the router replaced because it was faulty over a year ago and XXXX stated the person who handled my case obviously did not log the equipment as returned and this caused my record to show XXXX and I was assured this will be taken care of and I would not have any further issues and now I have received a box to return equipment and I continue to receive a collection notice for something I do not owe.