davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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: SYNCHRONY FINANCIAL (TX)

In accordance with the fair credit reporting act XXXX account # XXXX, has has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-01
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. (TX)

HI 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 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I TTOED TO APPLY TO AN APRTMENT ONLY TO FIND OUT THAT I WAS GOING TO BE DENIED BECAUSE OF THIS COLLECTIONS AMOUNT. AFTER LOOKING UP THE COLLECTIONS AMOUNT I FIND THAT I HAVE ONE IN FROM GENISIS THAT I NEVER HAD A ACCOUNT WITH. THE XXXX XXXX XXXX XXXX IN WHICH I ALSO NEVER STAYED IN.
Consumer complaint received 2023-06-29
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. (OH)

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, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My card was charged XXXX times for $ XXXX {$500.00} to a Company Ive never heard of called XXXX who sells XXXX based in XXXX XXXX I reported this as an unauthorized card to Chase within XXXX days of the charges and was told they would refund my account. After a few days, I didnt receive a refund so called Chase back. They claimed they would 100 % give me my money back at the end of the weekend. More than two weeks later I didnt see a credit so called back and was told its not their problem by the Company XXXX. He then told me I have no recourse to which I said I want to close my account which he said he would not help me with. I want my money back and I do not want an account with this bank
Consumer complaint received 2023-06-29
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: RentDebt Automated Collections, LLC (GA)

The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been
made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX Attorney General
Consumer complaint received 2023-06-29
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: JPMORGAN CHASE & CO. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Aldous & Associates, PLLC (TX)

I highly suggest you have your attorney, read this complaint, and then the laws attached. Because it doesnt matter if I owe it or not, and I dont. You had no legal authority to place it on my credit because you never notified me ahead of time, I think with you, XXXX and yes, I said XXXX  Keep missing is that you have no legal authority to place it on my credit report because you failed to notify me ahead of time. I have proof that you did not notify me about this debt prior to placing it on my CBR. 
Whatever unaided, educated individual is responding to these might want to talk to the attorney. Im going to give you the proper laws again and remember I have proof that youve not notified me. Because the individual that lives at that address is willing to testify they have returned at least three letters and the last one they did by certified mail. 

Pay special attention to validation notices, and debt parking written notice required XXXX ( a ) ( 1 ). Section XXXX ( a ) ( 1 ) ( ii ) That section says if you receive a notice undeliverability you must NOT furnish information about the report to a consumer reporting agency until you satisfy XXXX ( a Thats actually pretty simple and very clear.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

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
Consumer complaint received 2023-06-29
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. (NY)

I submitted written disputes to both XXXX & Equifax on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding XXXX XXXX XXXX account # XXXX in the amount of {$2800.00}. XXXX XXXX XXXX is showing charged off with a balance of {$2800.00}. This is inaccurate. XXXX XXXX XXXX has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with XXXX regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. The late payment shows for XX/XX/2023 which i know that i paid on time because my account was set up for auto pay. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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.

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 2023-06-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 I applied for a business auto loan on XX/XX/2023 I received an email that I was approved in the email it advised me to give the company a call. 

I called in spoke with a representative who also agrees that I was approved minutes later she told me I had been denied because their 3rd party couldnt verify my current address.

I explained to her I could provide proof address she said no and sent me a denial email. I asked to speak to a supervisor she said one was not available and someone would call me back. 

I later received a call from XXXX saying the same thing but they couldnt provide me with the 3rd party who has access to my personal information I would like to know what 3rd party they are using. XXXX stated she would reach out to her manager and give me a call back later which I still have not heard anything back yet. 

I called back later that evening and I was told the 3rd party updates every 30 days and mine has not been updated since XXXX so it seem to me that is an error on the bank end not mine I would like to be given the option to provide proof of my residency so that I can proceed with my loan approval attached you will find the loan approval and the reason for loan denial this is wrong and I am asking for help. 

My address is current on my XXXX credit report which all customer service representatives I spoke with confirmed so I would like to know where they are getting their inaccurate information from. 

Thank you
Consumer complaint received 2023-07-01
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. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : XXXX ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : {$940.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (PA)

Date : XX/XX/2023 Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : CAPIO PARTNERS LLC ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/2023 Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it.
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Bridgecrest Acceptance Corporation (PA)

XXXX XXXX requested a downpayment of {$3000.00} for may vehicle while I was under duress to purchase a vehicle. They were made aware that I had received a hardship grant from my job to help during XXXX for may family. the grant was for XXXX and they requested the entire amount which I had been to the dealership several times and a down payment was not discussed when we first started the car purchasing process. 
I feel like I was taken advantage of while under duress and violated regarding the Truth and Lending Act.
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CO)

When I went online on XX/XX/2023 and checked my accounts, 2 accounts had unotherized XXXX transfers. Savings account had 4, Checking had 8. Called the bank US Bank to report these transfers. US Bank was to freeze my accounts and file a report. On XX/XX/XXXX 4 more XXXX transfers went through ( account was supposed to be frozen ). The total is {$14000.00}. Went to US Bank and closed the affected accounts and opened new ones. I then could not sign onto online banking after much ado and multiple people on their end it finally was resolved so I could get online. Very upsetting as I was the only one monitering my accounts. I don't understand why these transactions didn't send up a red flag. Totally out of character for these accounts. I received " denial '' letters as the bank stated that the transactions posted as requested.Multiple XXXX transfers to myself, with my name spelled several different ways, also 2 XXXX transfers to 2 people I do not know. I have repeatedly talked to the fraud department. I have filed a police report as well as have my IP address changed. Passwords changed and 2nd identifaction put on all accounts. After their denail letters I have kept researching. A person in the US Bank on line banking department determined that these XXXX transactions went to multiple different banks including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX. On XXXX the have supposedly " reopened '' the case and was told I would hear in 3-5 days. That has not happened. I have contacted a lawyer, he can't take my case as the research alone would be more than the {$14000.00} that was stolen from me. He has helped guide me with suggestions on where to turn next. ( that is how I came to be making this complaint. ) XX/XX/2023 I received a letter stating that US Bank attempted to recover funds of one of the transactions ( the same that they determined were posted as requested, not fraud ) The transaction was a XXXX transfer for {$1000.00} and I received a check for {$93.00}. That really makes no sense.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the medical debt listed under the above-referenced account number. It has come to my attention that XXXX XXXX has accessed and used my medical information in violation of the Health Insurance Portability and Accountability Act ( HIPAA ).

HIPAA strictly regulates the use and disclosure of individuals ' health information.

Under these regulations, any unauthorized access, use, or disclosure of my medical information without my explicit consent constitutes a violation of my privacy rights.Specifically, the following actions by XXXX XXXX appear to violate HIPAA regulations : 1. The collection and use of my medical debt without my explicit consent.

2. The disclosure of my medical information to third parties without proper authorization.

These actions have caused me undue stress and concern, as my personal medical information should remain private and protected under federal law.In light of these violations, I am requesting the immediate removal of the aforementioned debt from your records and all credit reporting agencies. Additionally, request written confirmation that this debt has been removed and will no longer be reported to any credit bureaus.

Please consider this a formal request for debt validation and cease all further communication regarding this debt until this matter is resolved.

Failure to comply with my request may leave me with no choice but to file a complaint with the U.S. Department of Health and Human Services ' Office for Civil Rights and seek legal remedies to protect my rights.

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days from the date of this letter. Please direct all correspondence regarding this issue to the address provided above. 
Sincerely, XXXX XXXX XXXX