davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX XXXX XXXX / Columbia Debt Recovery The unpaid balance with XXXX comes from XXXX XXXX XXXX 

The apartment company sold the account claiming an unauthorized charge. 

{$170.00} matches with the last utility charges as agreed. 
{$190.00} are unjustified charges ; the company claims the money for damage, there is no damage according to our agreement when we checked into the property. 

The property manager said the administration paints the walls for new renters. All I need to do is cover the holes if some to hang a portrait when I leave the apartment ( which I did ). I attached some pictures from the property when I left it. 

Find in the picture the details of the walls as I left them when I left the property, XXXX XXXX refused to walk the property together with us to receive the property and close the contract, it is one of our rights so we can clarify properly right away.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

First of all I have never owned a XXXX XXXX XXXX  nor have I shopped at About XXXX  I recieved the bill for {$190.00} in XXXX XXXX XXXXXXXX. I disputed the charge. I do not recall getting anything back from XXXXThen on XX/XX/XXXX I got a letter that the account had gone to collections from Midland Credit Management. I called and spoke a XXXX XXXX on XX/XX/XXXX. I sent him all the information I had. Last week I spoke to somebody who simply said the card was in your name you owe the money. I think XXXX mentioned if I had shopped at XXXX which i have. XXXX changed their credit card company either from XXXX or to XXXX. I think that during the change my information was compromised Again I have nevrer owned a XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW SECTION 605B YOU MUST REMOVE THE FRAUDULENT INFORMATION FROM MY NAME. I HAVE ATTACHED PAPERWORK SHOWING THE FRAUDULENT INFORMATION.
Consumer complaint received 2024-09-24
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)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SANTANDER HOLDINGS USA, INC. (MD)

I received a pre-selected offer from Santander Bank ( offer code XXXX ). On XXXX, I submitted my application and I was subsequently denied the loan. The letter of denial was from XXXX XXXX ; it stated the bank was unable to provide me with a loan under the terms that I had requested. 

I contacted Santander on the morning of XXXX to inform them that their computer had provided me with the loan amount and related terms. I was then told that my loan was not approved because I had received a loan from the bank in the last 90 days and they just used this formatted denial letter for a host of different reasons. 

I informed the bank representative that I only applied for the loan because the bank had sent me the pre-selected offer and I didn't appreciate a hard hit on my credit and denial as I most certainly wouldn't have applied for the loan had I known I needed to wait at least 90 days before applying for a new loan. 

I requested that my case be escalated to XXXX XXXX and I requested to reach out to her. I was told that XXXX XXXX just signs the letter and she was not available to actually speak with anyone. I was told that XXXX XXXX, who answers to XXXX XXXX, would reach out to me within 24 hours concerning this problem. 

48+ hours later, I had not received a call back from XXXX XXXX XXXX I called Santander again and asked to speak with XXXX. I was told that she was unavailable and I would just need to wait for her reply. I was also told that she had not even looked at my case.
Consumer complaint received 2024-09-05
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXXXXXX  AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist - Credit Reporting Issue Dear amsher I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with Amsher with account number XXXX  I believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (SD)

This complaint is a part XXXX to my Ally Bank complaint. There have been new developments. Red flag number XXXX From XX/XX/year> through XX/XX/year> I spent roughly {$14000.00} at XXXX XXXX. I disputed these transactions, and was given just short of {$12000.00} in credit from XXXX, as well as provisional credits from Ally Bank. They are trying to claim that I was double credited, and have my account sitting at almost {$5000.00} in the negative. In that month and a half they used three different names to process these payments red flag number two. There was XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and lastly XXXX XXXX XXXX XXXX XXXX. It doesn't take alot of brain function to look at these transactions and conclude that I'm not playing XXXX XXXX for fun at my local arcade, especially when the mcc code used for these was XXXX, XXXX, as well as XXXX. On XX/XX/year> I paid for my auto insurance. This payment was presented to Ally Bank on XX/XX/year> while I had sufficient funds. I will attach a phone call with an Ally Bank supervisor where this is found and stated. On XX/XX/year> they informed XXXX that my account was closed and they would not honor the payment. Instead they sent me a check for almost {$900.00} that was the remainder of my balance on XX/XX/year>. They didn't have a problem funding offshore gambling, but must have taken a disliking to paying my insurance premiums? There was a hail storm on XX/XX/year>, and both of my vehicles that would have otherwise been covered were damaged. I am left with no coverage because they can't act responsibly. I have video of the storm from my surveillance cameras. It's to big to load here.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The list of documents below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681 Account : XXXX  XXXX, account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( 6 ) And according to 15 USC 1681 5 they sure supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) generally, after any reinvestigation under paragraph ( 1 ) of Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( I ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( 11 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Am according to 15 USC 1681 s-2 they sure supposed to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

I took our 0 interest card with Citi in XXXXXXXX XXXX XXXX I never recieved the card, at it took 3 or 4 attempts to get citi to issue a replacement card, despite my numerous requests. This cause me to miss out on a month of 0 apr, due to citi not holding up their end of the agreement, by not issuing a card, and refusing to issue a replacement for over a month. Due to their employees not fulfilling my request and possibly never issuing me a card in the first place seems like an intentional way to reduce the amount of 0 interest months one can actually make use of.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (AZ)

On XX/XX/year>, I had the screens of my XXXX XXXX and XXXX  XXXX replaced. However, the merchant at XXXX XXXX damaged them during the process. The screen on my XXXX XXXX was unresponsive unless I used the XXXX, and my PIN on XXXX was altered, rendering me unable to access my phone. Additionally, my XXXX was missing from both phones, and they stated they couldn't locate them. Merchant claim to use genuine parts when in reality they replace with aftermarket screens. 
After numerous attempts to call the store, I texted the owner on XX/XX/year>, XXXX, who had promised a refund. When I followed up on my refund, I found out that I had been blocked. Although the merchant had agreed to issue a refund via Acima, he failed to communicate with them until XX/XX/year>, which was after his 90-day warranty had lapsed, leading to an increase in the early payoff amount. Acima stated that they cancelled the lease during the dispute process and would refund what I had already paid and cancel the lease. However, they have yet to take any action, and they have now sent the matter to the collections department
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

THIS IS THE THIRD COMPLIANT I AM FILING ON THIS AND PART OF THIS MATTER As of XX/XX/year> Ally refused to waved a INCORRECTLY assessed late fee off {$170.00}. 

I was put on a payment program since XX/XX/year> The program was structured for me BY ALLY they set the AMOUNT and DUE DATE They preauthorized the ENTIRE programs payment through XX/XX/year> at the time ALL of the payment were PREAUTHORIZED AND AUTO DRAFT ALL PAYMENTS were paid automatically on het date of XXXX they selected for me ALL PAYMENT were made ON TIME Each month my account shows a break down of the payments. At the end of my program, as I went to pay for the XXXX it was then I discovered a {$170.00} worth of ACCUMULATED late fees. NO WHERE were these fees disclosed each month I made the payments. See attachment. 

Ally continue to refuse to remove these fees when then entire program, amount, due date was all set by ALLY. 

They also continue to report my account late through XXXX when XX/XX/year> payment was made with in grace period. 
XX/XX/year> payment was made XX/XX/year> even if to be specific is 20 days late If ALLY claims to have the right to collect the late fees, WHY WAS THE LATE FEE NOT INCLUDED IN THE MONTH PAYMENT AS PART OF THE PROGRAM. WHY WAS LATE FEE PRESENTED AFTER MY ENTIRE PROGRAM WAS PAID " ON TIME AND AUTOMATICALLY ''
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/, I sent a dispute letter to TransUnion regarding fraudulent charges on a XXXX XXXX account, which were attributed to me due to identity theft. The account in question had unauthorized charges totaling {$310.00}. I provided comprehensive evidence, including a police report and an FTC Identity Theft report. TransUnion acknowledged the fraud and DELETED the account from my credit file on XX/XX/. 

However, as of XX/XX/, I discovered that TransUnion had reasserted the previously deleted fraudulent account back onto my credit file. This action is not only against my rights under the Fair Credit Reporting Act but has also continued to severely impair my access to credit, including business credit linked to my personal file. This reinstatement happened despite the submission of substantial evidence and the acknowledgment of identity fraud. 

This incident is the latest in a series of unsuccessful attempts to resolve this issue, marking either the second or third time I am addressing this complaint to the CFPB. The continual mishandling of my credit file by TransUnion in light of clear evidence of identity theft has caused ongoing financial and personal distress.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On Tues XXXX we initiated a wire transfer from our checking account to our checking account in a different bank. As we are Citigold, we were told this was fastest way as we needed the funds quickly. 
When the funds were not transferred I called customer service and was transferred to security. After 1/2 hour of verification I was assured it would go through The next day it still had not transferred, so I again called customer service and again was on the phone with security for 1/2 hour I was assured I was cleared and transfer would be end of the day On Friday XX/XX/XXXX we went into a branch and found out transfer had been terminated. 
No reason was given! No one had called us to tell us. This was our money, in our account and Citi withheld it. 
We finally got it by teller check, but since so much time had passed it resulted in a financial loss to us As of XX/XX/XXXX it was still showing as a transfer on our statement. 
Again called customer service to have it removed Why was the transfer terminated and why were we not notified I have full documentation of all calls and emails.
Consumer complaint received 2022-11-27
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)

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

15 USC 1692e ( a ) False or misleading representations and also a Hippa Violation.

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard.