davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I deposited my inheritance ( which was a cashiers check for approximately {$22000.00} ) from my grandmothers estate on Tuesday morning XX/XX/XXXX at approximately XXXX XXXX  The teller who accepted my deposit informed me that there would be a hold for a portion of the check but {$5000.00} was to be credited the following business day and that the remainder of the deposit would be released on XX/XX/2024 at XXXX. I agreed and completed the deposit and left the bank with my deposit slip and notice of hold slip. 
Sometime overnight, the hold code D was changed and the entire amount was withheld. When I went into the bank to ask why they changed it behind my back she couldnt give me an answer. Her response was that the back office had placed the hold and there was nothing she could do about it. I called customer service later that evening to find out who switched the hold code, why did they switch the hold code and what was the associates representative number? The customer service representative named faith in Arkansas said she could not answer my questions either and she didnt have any more information and to call back tomorrow and ask for a department that she wouldnt specify the name of the department or the direct number to that department. I told her I felt deceived and that I would have taken another route with my inheritance check had the teller been honest with me about the hold. Bank of America is holding a large cashiers check for 7 days and lied to me about it while I was in the branch making the deposit. I feel like this is a rather decieiful banking practice. I will be moving my money from Bank of America as soon as possible.
Consumer complaint received 2023-12-15
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. This is my second attempt to correct this issue. Please attach proof of documents. 

XXXX5 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I had a collections account show up on my credit profile from a company, XXXX XXXX XXXX for the amount of {$XXXX}. I have no knowledge of this account and chose to file a dispute through XXXX. I also called the number associated with the fraudulent collections account. 
XXXX provided a report stating the account was opened on XX/XX/XXXX and and the first delinquency was on XX/XX/XXXX. When I called XXXX XXXX XXXX, they could not provide any information regarding the supposed account. Instead they stated I could pay to have perform a soft pull on my credit. The conversation was one sided and I could not receive any information to verify this collection was legitimate. 
I have received harassing phone calls from this company asking for money but nobody is willing to provide any documentation of proof of ownership. 
Any research on this companys background pulls similar experiences of people being harassed and their credit affected by this company. Like others, I refuse to pay money for something that does not belong to me. I would like this account looked into and held responsible for falsifying accounts for their ill-gotten gains. 
Thank you for taking time to investigate.
Consumer complaint received 2023-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (FL)

I purchased a XXXX refrigerator and was offered 12 months no interest. My monthly payment is {$150.00}. The first monthly payment was received and posted without incident. The second monthly payment of {$150.00} was due on XX/XX/. I schedule the payments in advance through my bank XXXX XXXX. Although the payment was properly scheduled and you should have timely posted it, for reasons beyond my control the XXXX of XXXX XXXX intervened and the payment was not posted to my account until XXXX XXXX XXXX When my XXXX bill arrived, there was a {$29.00} late fee. On or about XX/XX/, I contacted customer service, explained the issue to a representative. The representative told me the {$29.00} late fee was removed. The next payment of {$150.00} was due on XX/XX/, and was posted to my account on XXXX XXXX XXXX Notwithstanding, when I received the XXXX bill, it showed the {$29.00} late fee reversal posted to my account on XXXX XXXX XXXX, but there was another {$29.00} late fee even though my payment was on time. Amazingly, when I received the XXXX statement, it contained a {$40.00} late fee for not paying the {$29.00} late fee charged for not paying the original {$29.00} late fee that was reversed on XXXX XXXX XXXX All late fees are improper and should be promptly removed.
Consumer complaint received 2024-01-11
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. (CA)

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.

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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

My mother who lives in XXXX  XXXX opened up several credit cards I. My name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided two reports. A police report and an identity theft report to make them remove this from my credit bureau. I showed with those this was not my account and they keep stalling me and will not remove it. My next step is court to prove its not mine and seek financial damages as its causing me harm in finding a rental for me and my children. I never have lived in XXXX and did not open this account. My name is XXXX XXXX XXXX son is XXXX. XXXX is XXXX
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I am unable to see my updated Experian Credit Score, That i am paying for monthly starting XXXX. The money is taken away monthly. But i can not view my credit score. I can not do anything because of the error. 


Experian is not updating my credit score FCRA Violations- Update my credit score.
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (UT)

I received a phone call, email and mail regarding this debt Sequium Asset Solutions LLC have contacted me about. Please consider this formal request for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 U.S.C. 1692g ( b ) and a formal cease and desist demand pursuant to 15 U.S.C. 1692c ( c ). Demand for Validation : According to 15 U.S.C. 1692g ( b ), I am requesting that you provide me with : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A copy of the original signed contract or other documents that substantiate the debt not an itemize bill either Proof that you are licensed in my state to legally or authorized to collect on this debt. 
A detailed accounting of the alleged debt, including any interest and fees. 
Until I receive this information, I will not recognize any debt you claim I owe. Furthermore, under 15 U.S.C. 1692g ( b ), you must cease all collection activities until you have provided the requested validation. 

Cease and Desist : Under 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communications with me regarding this alleged debt. This includes but is not limited to : Phone calls Letters Emails Any other form of communication Please be advised that failure to comply with this cease and desist demand will leave me no option but to report your actions to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for violating the FDCPA. 

Legal Rights : Under the FDCPA, you are required to validate the debt and cease all communications upon receiving this letter. Any further attempts to contact me regarding this alleged debt without providing the requested validation will be considered a violation of the FDCPA.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Two transactions were made with my debit card information on XX/XX/XXXX. The transaction ID belonging to XXXX. I did not make these transactions. I had my debit card at the time of purchase. I do not even know who XXXX is. The transactions amounts were for {$40.00} and {$20.00}. I immediately reported these transactions to Chime Bank and they made me wait until the transaction cleared to dispute it. Upon clearing I disputed the transactions and my requests were denied within 6 hours. Upon further investigation this scam is common among Chime users and everyone 's experience is the same as mine with Chime declining these disputes and not blocking this company from making withdrawals from people 's accounts.
Consumer complaint received 2024-01-11
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. (FL)

I hope you're doing well. I'm writing to talk about an issue I found in my credit report. My name is XXXX XXXX XXXX, and I noticed that some of my personal information was shared with another company without my permission. I think this goes against the law that says you can't share someone's personal info without their say-so. 

I read about the rules ( 15 U.S. Code 6802 ) that say my personal info should be protected, but it seems like that didn't happen. The Fair Credit Reporting Act ( FCRA ) also gives me the right to control who gets my info, and it looks like my info went to someone who isn't connected to your company. This worries me because I didn't get a chance to say no, like the law says I should. 

Just to be clear, I don't have a problem with the companies I owe money to. My concern is with your company for sharing my info without checking with me first. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal info. I never gave that permission, so I need you to prove that I said it was okay. If you can't, it might mean you broke the rules of the FCRA.

I already reported this to the Federal Trade Commission ( FTC ), and my complaint number is 168209274. I'm worried this might be a kind of identity theft ( 18 USC 1028a ). 

I'm officially asking you to take these accounts off my credit report in the next four business days : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX U.S. Bankruptcy Court - Account Number : XXXX I also want you to remove these unauthorized inquiries in the same time frame : XXXX XXXXXXXX XXXX - Inquiry date XX/XX/202XXXX XXXX  - Inquiry date XX/XX/2023 XXXX XXXX - Inquiry date XX/XX/20XXXX XXXX - Inquiry date XX/XX/2023 I have the right to fair and accurate credit reporting, and fixing these mistakes is important for my credit report to be correct. 

I also need you to show me how you checked that the information you have is right and that I had a chance to say no to it. This is important to make sure credit reports are fair and accurate. 

I hope we can sort this out quickly, within the four business days I mentioned. If not, I might have to take legal action. 

Thank you for looking into this right away.
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Property manager had approved the move out with DO NOT XXXX XXXX. Settled all the amount before moving out. Rent has been accelerated after the move out. Dispute is not being addressed by the propery management or the collections. requested few times asking for the lease terms that demand this collection and have never received any details neither from the property management nor the collections.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered that I was a victim of identity theft due to my phone being stolen, the thief hacked into all of my bank accounts, made payments and pretended to be me. All of my bank accounts and savings were wiped resulting in negative information on my credit reports, I was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been disputing this for almost two years now, I have not been able to work full-time due to XXXX XXXX XXXX XXXXXXXX and XXXX XXXX due to this burden and I have struggled to get housing due to this issue on my credit reports and housing being full. I want this issue resolved ASAP and to have a normal life again.
Consumer complaint received 2024-01-11
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I have a CD which matured on XX/XX/year>. Several weeks prior to that I sent a secure email to the bank through their system requesting that the CD NOT be rolled over, but the funds be transferred to a savings account I had with them. The day after the CD matured, the funds were not in my savings account and the CD had been rolled over for another year. 
I called their customer service and spoke to them about it. I was assured that the funds would be released to me, and the delay was because they were " very busy ''. 
It is now a week later and the funds have not been released, and they are being held in a CD that matures in a year, against my specific instructions to them and withing their " grace period ''
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (FL)

I have been disputing this debt since XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered on XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered XXXXThey since charged off this account and reported it as a charge off even after I spent months trying to reach then to dispute and I have certified mail receipts to prove it. As an American citizen, I thought I had rights that prevented a credit card company from ignoring my disputes and harming my credit. This has caused me mental and emotional stress.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

A letter was received from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX This reports was sent from Experian. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Showing my credit score, I did not request this report. hence individuals are applying for Credit and loan in my name Please inform then to cancel all credit card or credit reports or loan done due their research of my credit
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I sent letters to the credit bureaus more than 35 days ago, along with my FTC report, highlighting inaccurate and invalid information. However, I have not witnessed any removals or corrections on my credit report since then. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your support in ensuring the prompt removal and correction of these inaccuracies.
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX XXXX # XXXX XXXX, Ca, XXXX XXXX XXXX XX/XX/year> AWA Wallach & Associates, Inc XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below. 

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account. 
A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt. 
Proof of Licensing and Bonding : Verification that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-15
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I am a young citizen that needed a car to get to work during the XXXX pandemic an went to what I thought was a dealership but was really a buy here pay here.. Told them I needed a car and they pressured me into this one an didnt really want me reading the paper work when signing .. After I bought i seen they reported my score as Bad when it was above XXXX ... Aka fair.. Long story short im paying about XXXX for a XXXX car that was in bad shape mechanical wise, exterior was decent shape some scraches an XXXX on back bumper.. I fell like ive been ripped off
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number 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
Consumer complaint received 2024-06-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, all information requested of Columbia Debt Recovery LLC, DBA Genesis in XXXX, Washington has been provided. As a response to a prior CFPB report, Genesis has stated this account has been closed, and all credit bureaus have been notified that the debt is not mine. 

As of today, XXXX XX/XX/XXXX, XXXX stated over the phone that no information since XXXX has been provided to them in regards to the account associated with this debt. It has been XXXX months since resolving the debt with Genesis, and I'm still dealing with derogatory comments and inaccurate information on my credit file ( s ). 

Others should be warned that Columbia Debt Recovery LLC, not only lies about when rental contracts are taken out in your name illegally, but also about when credit bureaus are notified that accounts are not yours.