davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I moved out of XXXX XXXX, XXXX, WA XXXX in XX/XX/XXXX, due to pest infestation, rampant theft, burglary and vandal problems, and due to the the intent of management to raise my rent to unaffordable level for me. After moving out in XX/XX/XXXX, later in XX/XX/XXXX, I received an automated bill for rent. I called and emailed XXXX XXXX management who informed me in writing via email that the rent and utility bill sent to me was a glitch in the system and that they would fix the problem. 

Now in XX/XX/XXXX, I have been contacted by the XXXX XXXX XXXX company to pay a {$1400.00} bill that they claim I owe to XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX who is under a new manager and explained to them the glitch in the system that had wrongly billed me in XX/XX/XXXX. I also asked them to give me the original bill so I can send it to the Washington State Attorney General 's Office. 
XXXX XXXX management said that was under old management and they have refused to give me the original bill from XXXX XXXX that I allegedly owe. 

I am permanently unemployed and I am a XXXX XXXX XXXX, who has had XXXX XXXX XXXX ( XX/XX/XXXX and again on XX/XX/XXXX ) and I am unable to pay this {$1400.00} bill that I do not owe XXXX XXXX.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (TX)

I was notified by XXXX XXXX that my Wells Fargo credit card limit was decreased from {$7500.00} to {$6100.00} at the beginning of XXXX. This put my credit card utilization at 98 % usage and caused my credit score to drop 40 points. I was told by Wells Fargo that a letter was sent out, yet I did not receive a letter notifying me of this. I have had this particular credit card with Wells Fargo for 10 years with no late payments. I have my checking and savings accounts with Wells Fargo as well as a persona loan. My complaint is that no one took into account the banking relationship that I have had with Wells Fargo and arbitrarily decreased my limit without notification. I am in the process of purchasing a home and this has severely effected my credit score and no one at Wells Fargo can give me a satisfactory explanation as to why this was done. It questions the integrity of who is making these banking decisions and why a long time customer could be considered a risk at a bank that handles the majority of my banking needs. I question continuing the banking relationship if this is not resolved satisfactorily.
Consumer complaint received 2023-04-28
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: OneMain Finance Corporation (AZ)

OneMain Financial imprperly obtained my credit report as there was no permissible purpose. I never entered XXXX XXXX 's site to ask for any loans. Furthermore, it is OneMain Financial that gave me a hard inquiry on my credit reports, NOT XXXX XXXX. 

This is an unacceptable response from OneMain Financial. If this is not rectified immediately, I will refer this to the OCC and will seek legal advise when when warranted. I will not let this company ruin my credit when I NEVER authorized it nor any of its partners to check my credit report on or about XX/XX/2023. 

This is OneMain 's UNACCEPTABLE investigation and answer to my first complaint : " OneMain records indicate that on XX/XX/2023, you received an offer to apply for a OneMain loan through the XXXX XXXX website, a financial services website that helps consumers find personal loans. Specifically, on the XXXX XXXX website, you provided information to determine if you had loan offers from participating lenders. Based on the information you provided, XXXX XXXX showed you available loan offers. You selected the OneMain offer. After selecting the OneMain offer, you were redirected from the XXXX XXXX website to the OneMain website to complete the OneMain loan application. ''
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

All inqury information without an account in my credit report not a Permissable purpose 15 U.S. Code 1681n ( a ) is a part of the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 that covers civil liability for willful noncompliance with consumer credit protection requirements : Liability Anyone who willfully fails to comply with a requirement under this subchapter is liable to the consumer.This includes obtaining a consumer report under false pretenses or without a permissible purpose.

Damages The consumer can recover the following damages : Actual damages : Any damages the consumer sustained as a result of the violationStatutory damages : For willful violations, the consumer can recover statutory damages of at least {$100.00} but no more than {$1000.00} per violationPunitive damages : The court may award punitive damagesAttorneys ' fees : The consumer can recover the costs of the action and reasonable attorney 's fees
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. (NY)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OK)

They call me all day making their area code to match that of my area code when I ask them to remove my number off their list they hang up immediately they call me all day and it is harrasment considering I asked them to stop. They call from numerous different numbers but all with a XXXX area code
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX Status Paid, Closed. {$42000.00} written off. 
Status updated XX/XX/2022 Original balance {$40000.00} Monthly payment - Last payment date XX/XX/2022 Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor-
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (NV)

I bought the card at XXXX it wouldnt work, I went back to XXXX they called american express/XXXX XXXX spoke with someone there gave them the number of the card and gave them the las 4 of my social security, my mail. said there was {$500.00} 0n the card.I left went to choice wireless. When i got home i couldnt find the card. I called serve and got some stupid person on the phone couldnt help me I ask to speak to a mgr. I got a lady named XXXX. I gaver her my social security last 4 and  email address. she said their was XXXX on the card and put a block on it. She gave me a fax number to fax my XXXX reciept acopy of package the serve card came in then call back and give them a physical address beause they don't except P.O. Boxes. I called back got some guy on the phone with half.he said a new card has been made for XXXX, NV I tried to give him a physical address and he kept asking me for a pin # Which I don't have then he hung up on me. I have tried calling back and all i get is automated garbage was never able to speak to anyone.I want my money I have bills I have to pay.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer 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. 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. 
Thanks.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VELO LAW OFFICE (IL)

In 2015 a judgment was taken out against me and someone I co-signed for. The company VELO law office has refused to go after the original signer of the debt and refused to give me information regarding the debt unless I provide them with my location. I called them on XXXX to get more information regarding the debt and began recording the phone call because they refused to give me more information if I didn't tell them where I was living.
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. (GA)

My credit report is stating that this account is derogatory and that is inaccurate because the account is paid in full. Also, the balance is XXXX. I have letter from XXXX XXXX stating that the account is paid in full.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am

writing to dispute unauthorized inquiries on my credit report. These inquiries were made without my consent and are negatively impacting my credit score. Please investigate and remove these unauthorized inquiries from my credit report. Inquiry by : 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 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  I assure you, I never authorized these inquiries. Their presence on my credit report is unjust and is making my already difficult situation even harder to bear. I am pleading with you to please remove them as soon as possible. My credit score has already taken a hit, and its affecting my life in ways I never imagined. 

This situation is causing me so much XXXX  and XXXX. Im afraid that if these inquiries are not removed, my creditworthiness will continue to suffer, and I wont be able to get back on my feet. Im simply asking for fairness and the chance to restore my credit to what it should rightfully be.
Consumer complaint received 2023-04-28
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer 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. 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. Thanks,
Consumer complaint received 2018-10-31
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. (TN)

Experian is currently reporting a collection account XXXX XXXX XXXX. I have contacted Experian via mail five times regarding this account. This account does not belong to me. I have asked Experian to validate this debt and provide me with proof that this account was properly verified. Experian has failed to do so they put the responsibility back on me by telling me to contact the creditor. Experian has refused my dispute request stating account has been verified but has not provided me with any information regarding the steps used to verify this debt including the name and number of the person contacted to verify this debt.
Consumer complaint received 2023-04-28
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer 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 : XXXX. 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. 
Thanks.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I was involved in a car crash in XXXX where my car was totaled and the gap insurance paid off car which has left a balance on car of XXXX plus dollars. And it is still showing open with a late payment for XXXX years consecutively. I have made several attempts to pay debt but also asking the creditor to remove late payments they are refusing which is very disheartening. Because this is crushing my credit worthiness and affecting my life from moving forward. I am willing to pay amount in full but I have been trying to work with Credit Acceptance and they are making it very difficult for me. According to 15 USC 1666 B timing of payments a creditor should not treat a payment under a open ended 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.
Consumer complaint received 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent several letters to Transunion about inaccurate and incomplete information. They responded with a generic letter about third party collection companies. I have a right to dispute my report and they will not remove inaccurate or update incomplete information. I attached proof of the letter they keep sending even though I send my ID and my Social Security card and my Proof of address. Transunion is governed by 15 USC 1681 and they continue to violate my rights. I demand the accounts below to be removed because, According to 15 USC 1681 : I have a right to privacy and I did not give Transunion written permission to furnish these accounts. 

XXXX XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXXL with account number XXXX Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 

XXXX XXXX with account number XXXX The date of last payment is wrong. 

XXXX XXXX with account number XXXX Please send me all business and transaction documents to prove that this account was legally verified XXXX with account number XXXX This account was sold but still reports a balance XXXX XXXX with account number XXXX This account was sold but still reports a balance XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 

XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX XXXX different dates listed under " date of last activity '' I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Lastly, Credit reporting agencies are required by federal law to obtain a consumer 's consent before publishing information in their consumer files. I also do not consent to you making money from the use of my name.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I received a email from Chime that my phone number has been updated to XXXX which is not my number and that my PIN number was changed. Immediately when I saw that I tried to log into my chime account but was not successful. I went back to the email and replied I did not make changes to my account and I received a link from Chime to update my information I followed the steps change my phone number back to my number and was able to gain access to my account. When I logged into my account someone had made a purchase at XXXX {$2500.00} and attempted to make another charge of {$30.00} that declined for company called XXXX. I reside in XXXX  it shows the purchase was from a XXXX XXXX location. I contacted chime and advise them I did not make the charge and started the dispute process. I was advised it can take XXXX days because the charge was still pending and its possible the funds wont go through and will go back to my card but if the payment does process it can take XXXX days to resolve. They also issued me a temporary card and are sending me a new one in the mail. On Saturday XX/XX/XXXX I received a email from chime that my dispute has been closed and no error occurred. I called Chime back to find out why was it closed and the representative could not provide me with that information so she reopened the dispute. The representative advised me to change my email address which I did and update my chime account. I am very concerned that Chime is not going to give my money back and I dont think they really did an investigation just closed my account. I have no money Please help resolve this I did not make this purchase
Consumer complaint received 2023-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (VA)

Planet home lending took over my mortgage from XXXX. They required an escrow to pay property taxes. This was not my choice- I would have preferred to pay the taxes myself as I am ultimately liable for unpaid taxes. 

However, they did not check if there were taxes due and recently, I received an invoice from XXXX XXXX about unpaid taxes, penalties, and interest. There is about XXXX dollars of my money sitting in Planet  Home lending 's escrow account and they can't even pay my taxes as they are required to.
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-09
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. (FL)

This account was subject to a dispute in the month of XXXX, where to date we have not obtained any response from the agency that reports it, this account is reporting errors in all my information, for this reason it only reports in a single agency and not in the other credit agencies.