davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, 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. (MD)

To Whom It May Concern Credit Card Reporting Department : PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX. ON EXPERIAN NOTHING IS BEING REPORTED AT ALL. IT IS LISTED AS OTHER ACCOUNTS AND NO STATUS FOR EXPERIAN. I HAVE CALLED BUT HAVE GOTTEN NO WHERE OVER THE PHONE. PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) to current. The last time this account was reporting according to XXXX records was XX/XX/2023 in the month of XXXX. As I am writing this today, today 's date is XX/XX/2023. It has been over 3 month 's since this account XXXX  XXXX XXXX XXXX account : XXXX has been reported. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but XXXX have failed to update my report to current. I have spoke with XXXX XXXX XXXX XXXX, and they said they have been reporting since XXXX all the way to the month of XXXX, but when I check my credit report, the last report date is XXXX. Please correct this error. This is Defamation of Character and if you do not update my credit report with XXXX XXXX XXXX XXXX account : XXXX PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO CURRENT DATE. REPORT CURRENT INFORMATION. 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-07
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)

On XX/XX/year> I left my Apartment at XXXX XXXX XXXX XXXX 
before leaving, I insisted on scheduling a move-out inspection with the property manager, XXXX. After multiple failed attempts to schedule, I was provided with a move-out document stating the charges in case any repairs were necessary. 

On XX/XX/XXXX I received an invoice for XXXX ( After the deposit was deducted ) I noticed that I was charged twice for utilities and about 6x more on paint than what was stated in their document. 
Ive contacted XXXX XXXX XXXX  multiple times via email and physically going to their office with no response. 
I kept following up and never received a response to my emails. 
On XX/XX/XXXX I was contacted by a debt collector ( Genesis ), threatening to ruin my credit and being very manipulating and aggressive thats my problem the numbers are not right I Asked for his mailing address to send documentation and he refused. 

I have requested multiple times for a physical mailing address to send documents and they refuse to provide such an address. I sent an email to the debt collection company requesting the invoices for the repairs ( not the general vineyard invoice ) and their mailing address to send documents regarding my case. 

Never received a response by email and over the phone. they kept talking very aggressive and threat my credit theyre not willing to provide a mailing address or invoices. 

They kept harassing With scary threats and were not willing to get to the bottom of the problem and resolve it. 

I am more than willing to pay what I owe. I've also contacted the property management company ( XXXX ) but they're not willing to have any communication about it
Consumer complaint received 2024-05-26
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)

I sent validation Letters to XXXX, XXXX, TransUnion XXXX XXXX XXXX concerning the below account but never received any information concerning the debt. XXXX deleted the account from my consumer report as shown in my uploaded documents. Please remove this account immediately. 

XXXX XXXX Account # XXXX Amount # {$7900.00}
Consumer complaint received 2024-06-22
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian 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 ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-02
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: Waypoint Resource Group, LLC (NJ)

I have no knowledge of this company. I never signed up with them, never had a wet contract with them, not sure where they receive my information, how they receive my information. This seems like identity theft.
Consumer complaint received 2024-06-22
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc. (VA)

Experian has violated FCRA, TILA & other lending laws such as the FDCPA, claiming that I need an " upgraded subscription '' to produce up to date credit report results, by paying for a premium subscription through the past year and a half, charging my XXXX XXXX, my XXXX XXXX & now a seperate card for a " trial ''
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a XXXX XXXX XXXX  student. I applied for a summer job on-line and I was offered the job appointment, after an interview. I got the letter of appointment for a job with all the terms and conditions. The employer sent me cheque which I went ahead and banked on my account. I never knew they were not genuine. Bank of America heavy handedly and unilateraly closed my account without giving me a hearing or asking me to state my side of the story in a case where I was offered employment on-line which turned out to be a sham job offer. After closing the account, the bank has sent me threatening letters. I am a victim of a sham job offer. And now the bank is victimizing me too. As a result, I have suffered psychologically mental torture due to worry arising from a job I was offered on line. Little did I know it was a fake job offer. This is my first bank account I opened as a student. 

I opened a checking account in XXXX, XXXX. On XX/XX/XXXX I applied for a summer job on XXXX website. I then got an email with a job offer. In the email they stated the roles available, the hourly pay and a link to contact the hiring manager so as to proceed with the interview. The interview was then conducted in the hiring managers chat on XXXXXXXX XXXX I have copies of the appointment letter, emails from the hiring manager and emails from the accounting officer. The cheque of {$2500.00} was sent to me by email to purchase working materials and software i.e. a laptop, printer, scanner and software to do the tasks. They gave a program for training on-line. They told me to bank the cheque on my bank account, which they said would take a few days to mature so they asked me to send {$760.00} to them in order to purchase a XXXX XXXX laptop and software for me as a job requirements, before beginning the training in data entry shortly. 

The first cheque was returned to me by the bank, then I informed the employer. Then he told me in the email message that he would let the accounting officer know and she sent me another cheque of {$980.00} which I went ahead to also deposit via the mobile banking app. The employer kept on emailing me advising me to call the bank and tell them to lift the hold on the cheque.

Little did I know that it was a fraudulent job offer.

I was just like any other XXXX  looking for a job during summer holidays. Unfortunately, it turned out a scam job of which I am the victim. Bank of America should have asked me to tell my side of the story, instead blocked and closed my account without contacting me for explanation. The bank sent me threatening letters to report me to XXXX XXXX XXXX  to block me from opening an account in any bank for up to five years. I feel that this is rather a heavy-handed decision. This a clear threat to my future prospects by the bank without even giving me a hearing or a chance to explain what happened and for the bank to understand the fake world we live in out there.
Consumer complaint received 2024-05-26
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. (GA)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2017-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PR)

My student loans are currently being serviced by fedloan servicing ( Pennsylvania ). My account number is XXXX I submitted the required documentation for renewal and change of IBR plan in XX/XX/XXXX.  This paperwork has not been processed.
<P/> In XX/XX/XXXXI called to inquire, they said the error was that I did n't select to make a XXXX dollar payment and they changed it. I was then billed for the entire amount.
<P/>
In XX/XX/XXXX I  called, the individual I talked to this time seemed knowledgeable and I thought It would finally be taken care of. However, I was recently notified that I was 27 days late of the entire standard repayment plan. They again stated they were processing the application for IBR.
<P/>
I am a military member, and every payment that is delayed is one that does not count towards my PSLF. They have indicated they can do nothing to make up this time. Interest has accrued and I have lost payments so I have to pay longer.
<P/>
Also, they refuse to honor my SCRA request. I have submitted orders that indicate a date later than my loan date -- but they have an XXXX XXXX date that is prior to my loan date. Thus, they claim I am ineligible.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GU)

I already tried last week to open and account at American Express and within a second the person assisted me told me ( declined ) again. <P/>I respectfully, ask the CFPB to release the disclosure financial balance on my account information that, I have on file with the CFPB. I have legal right to receive the disclosure financial statement, the balance on my own record with CFPB. I feel, I have been discriminated for any reason what so ever. I also have legal right to received my personal Disclosure financial record. I also request the American Express to transfer my money or my wife money in to my account or her account. I have legal right to receive my disclosure file with CFPB and American Express Bank. I have rights under FCRA and fraud alert as well.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

On XX/XX/year> I disputed an account reported by XXXX XXXX. On XX/XX/year> I was informed that the item was deleted off my credit report. 

On XX/XX/year> I also disputed an account reported bXXXX XXXX. I was also informed on XX/XX/year> that this account was deleted off my credit report. 

I have recently discovered that both accounts has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Experian is required to notify me of the insertion in writing within 5 business days. I DID NOT receive any type of notification. Experian is in violation of the Fair Credit Reporting Act 611 ( 15 U.S.C ( a ) ( 5 ) ( B ) ( ii ).
Consumer complaint received 2024-05-26
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. (MO)

I am writing to delete the following information on my file. The items I need deleted are listed in my credit report. I am a victim of identity theft and did not make the charge. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Identity Theft Affidavit. Please delete these items as soon as possible
Consumer complaint received 2024-05-01
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have made several attempts with XXXX, XXXX and Experian to remove the inaccurate personal information from my consumer report, but they keep reporting this on my consumer report. I have sent them certified letters for over 5 months and they are ignoring my efforts and this is unfair, illegal per the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ) and IS VERY frustrating. The only personal information that should be reporting as accurate on my consumer report is as follows : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX MY DATE OF BIRTH IS : XX/XX/1991 I have informed them of this along with my identification card, current utility bills as well, and I have also let them know anything else that they are reporting is incorrect and to please remove it from my consumer report. If you need any type of documentation, I will be happy to provide it for you.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$5900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX : {$1000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1100.00}, XXXXXXXX XXXX XXXX XXXXBalance : {$24000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$500.00}, XXXX XX/XX/XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have inquiries on my credit report I did not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-08-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Creditors Bureau Associates (FL)

A cease and desist letter has been sent to this company due their ongoing harassment. They claim they never received the letter. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from me. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. I plan on filing a civil suit against this company for harassment and all the credit reporting agencies that report this inaccurate information because I have asked that this information be remove from my credit report as soon as possible. As it states on the attached pictures from XXXX XXXX XXXX XXXX XXXX is said to be the original creditor but on my actual report from XXXX and XXXX the original creditor is in fact XXXX XXXX XXXX XXXX. Which in that case I did not enter into a contract with XXXX XXXX XXXX nor did I sign a legal binding document with this agency. So I am not responsible for this debt that they claim is mine nor are they allowed to have the debt reported or collect on such debt.