davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Debt collection — Rental 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 (FL)

I reviewed my credit report in XX/XX/XXXX and noticed there was an unfamiliar item listed. I submitted a dispute with the credit bureaus and reached out to the collection company by mail and requested the information be removed due to identity theft. I have never lived in XXXX nor do I have any affiliation in the area. I submitted an identity theft report, police report, proof of residency, utility bills dating back to before the alleged lease took place and a notarized letter from my current property owner ( whom of which I have resided since XXXX ) proving this debt is not mine and I am a victim. I received a response on XX/XX/XXXX, saying the collection would not be removed.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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: CNG FINANCIAL CORPORATION (MO)

Dear CHECKNGO/XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that CHECKNGOXXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information.

I assert with unwavering certainty that I have not provided consent for CHECKNGOXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that CHECKNGOXXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CHECKNGOXXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-06-13
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. (GA)

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. 

Account Name XXXX XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

HAVE TRIED SO MANY TIMES WITH EXPERIAN CREDIT TO REMOVE ALL OLD ADDRESS WHICH MY MAILS GOES TO OLD ADDRESS WHICH DOSENT BELONG TO ME. I HAVE REQUESTED EXPERIAN TO UPDATE MY CURRENT ADDRESS THEY HAVE NOT DONE ANYTHING SO FAR. I AM ATTACHING MY CURRENT ADDRESS ID SO PLEASE UPDATE MY INFO AND DELETE ALL THE OLD ADDRESS
Consumer complaint received 2024-06-13
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. (FL)

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-08-05
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)

Complaint Against TransUnion for Failing to Complete Dispute Investigation Within XXXX Days I am writing to file a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation of a credit report dispute. 

On XX/XX/year>, I submitted a dispute to TransUnion concerning alleged debt. This dispute was submitted through Mail. Under the FCRA, TransUnion is required to investigate and resolve disputes within XXXX days of receipt. 

As of today, XX/XX/year>, more than XXXX days have passed since I initiated the dispute, and I have not received any communication from TransUnion regarding the status or resolution of my dispute. This delay constitutes a violation of the FCRA and has caused me significant distress and inconvenience, as the unresolved issue continues to negatively impact my creditworthiness. 

I have attempted to contact TransUnion multiple times to inquire about the status of my dispute, but have received no satisfactory response. Given their failure to comply with the statutory requirements and their lack of communication, I am seeking your assistance in addressing this matter. 

I request that the Consumer Financial Protection Bureau take appropriate action to ensure TransUnion fulfills its legal obligations and completes the investigation of my dispute promptly. Additionally, I request that measures be taken to prevent such delays in the future, ensuring that other consumers do not experience similar issues. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2023-03-10
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions. 

also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-06-13
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. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-03-10
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. (IN)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1400.00} XX/XX/XXXX
Consumer complaint received 2024-06-13
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NJ)

The atm simply did dispense what i requested the amount was {$800.00} and i only received {$20.00} my XXXX XXXX XXXX  was credited the disputed amount and debited for the disputed amount this been going on for 2 weeks now about to be 3
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I closed the account on XXXX XX/XX/year>. A credit balance of {$1800.00} remained in the account. I requested that balance be forwarded to me immediately. I was told it would take up to ten working days. That ten working days has passed, yet the account still shows a credit balance owing to me in the full amount of {$1800.00}. The company refuses to disclose when or even if a check will be issued. They are withholding money rightfully due to me without clear and cogent explanation.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

XX/XX/year> : I attempted to add {$600.00} to my CashApp card using my TD Bank debit card. Since I had less than this amount in my bank account ( I only had {$470.00} ), my bank rejected it. However, when I checked my bank account balance, it was at exactly {$0.00}. I investigated further and CashApp took my the entire {$470.00} balance even though I never requested this amount. Furthermore, my bank rejected several attempts of mine to add funds because I did not have enough. Screen shots attached. 

I immediately contacted CashApp through chat option. Dismissive representative. Did not understand my concern and could not wait to end the chat. Suggested someone had hacked my bank account/ CashApp even after repeatedly saying this is NOT the case. I contacted my bank, TD Bank, and they stated multiple times that the transaction is PENDING and thus, they can not help dispute it. They told me to reach out to CashApp and tell them to release the hold. I called CashApp this time instead of chat, and they placed a " ticket ''. Manager said transaction will drop in XXXX business days. It has been XXXX business days and it is still pending in my account. I still do not have my money, and no one knows where it is. This is straight up thievery in my opinion. I am not a rich person by any means and every dollar helps. Institutions like CashApp who DO NOT care about their consumers should be a taught a hard lesson.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

In XXXX, Wells Fargo closed my business checking and business savings accounts for inaccurate addresses despite sending mail to his accurate address. Wells Fargo failed to contact me in writing about these issues - I received two vague phone calls from a previous branch that sounded bizarre and obtuse. 

Wells Fargo has failed to return {$14000.00} in funds and admitted to sending funds to an inaccurate mailing address.Ive spent hours on the phone with no less than twenty different Wells Fargo representatives. 

I attempted to resolve the issue with two branches. The first branch gave inaccurate information. I contacted Wells Fargo staff via phone and was told he could apply online and that he received inaccurate information from the first branch. 

After I applied online, I received a notice that I needed to verify information with the local branch. The second branch was unable to tell me what forms he needed to complete.Wells Fargo has been unable to provide reasonable support in addressing this problem. Staff have been inconsistent and given conflicting responses. Ive made six requests to Wells Fargos highest level of escalation and no progress has been made. 

The delay far exceeds the time allowed. And Wells Fargo has not been remotely reasonable in addressing these issues.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/year> someone changed all my personal information address, phone number, email and they took over my Capital One application. They started using my cards, I reported to them they put a fraud department until I was able to verify my information which because my driver 's license was expired I was able to renew my driver license until XXXX XXXX meanwhile, I didn't have access to any of my information. I called them on in the middle of XXXX to provide them with my driver 's license. They had do the whole verification process which they did. After verifying my identity, they switched all my information back to the original one. On XX/XX/XXXX They let them again switch all the same information to their information and started using my card again. NO one had my ID but Capital One. They let them take over my account. They even send them my credit cards to their address. When I specifically told have my account in high alert I will never change my mailing address or phone number. I didn't know how it was possible for them to let them change everything and when I notified them I had to do so many verifications. Is affecting my credit report. 

I have two credit cards with Capital One they took over both of them
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

MY truck was totaled, sitting in a junk yard while waiting for XXXX XXXX XXXX to pay it off. However, it is listed on my credit report as late and written off which is a complete lie. XXXX XXXX payed the entire balance.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I made a payment on XX/XX/XXXX, the last day of my 30 days to not be late with XXXX payment and on XX/XX/XXXX requested a foreberance request. I was approved on an unknown date and notified via email on the XXXX of XXXX. The last date showing my payment was past due was on the XXXX when I accepted my request. From that date on, my account has shown not only am I not past due, but that my account doesnt have payment due until XX/XX/XXXX and that the company would not be reporting my payments as past due. I have two 30 day late payments on my credit report and have file multiple credit disputes to correct this. The last late notice that the company has was XX/XX/XXXX well within my grace period for XXXX payment. If I had known my payment was past due I wouldve paid it. If I had known my last payment was late, I wouldve been able to renew my lease and not send in a 60 day notice, assuming Id be able to lease somewhere else. Ive requested documentation and not received any response. No response to any emails other than your information is received and the last conversation disconnected on me after I brought up the involvement of my attorney.
Consumer complaint received 2024-06-13
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)

Please see the True bill attached for violation of accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and delete from my credit report because you are reporting inconsistent information. You were sent an FTC report and failed to remove this account therefore I am now seeking monetary relief for your negligence and violation of the FCRA. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation for reporting conflicting dates for the date last active and failing to notate that the account was in dispute. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the FTC report and the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not deleted and payment is not received, I will forward this information to my legal attorney.
Consumer complaint received 2024-06-13
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (NY)

The XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXX  is to be renewed every XXXX ( XXXX ) years or sooner if I request a renewal. This did not happen.