davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
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 the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX | account # XXXX XXXX XXXX| account # XXXX XXXX XXXX | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX |Account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX| account # XXXX XXXX XXXX XXXX | account XXXX XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2023-06-20
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: EQUIFAX, 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  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 an
y 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 2024-05-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

I moved out of XXXX XXXX apartments on XX/XX/2023. XXXX XXXX sent me a summary of move out charges that included : 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 ( only utility paid to XXXX XXXX ) I was not there after the XXXX and I paid the rent through the XXXX so I do not owe " utilities ''. 
- I asked for the invoices for the carpet cleaning, paint, and apartment cleaning, they provided invoices for the carpet cleaning and paint. These I paid. I did not pay the apartment cleaning because no invoice was provided. 
- The balance as of XX/XX/2023 was mistakenly charged to my account for required renter 's insurance that I had ( and had provided proof of to the company ). I have provided these email strings to both XXXX XXXX and Genisis I have provided multiple copies of the evidence to both XXXX XXXX and Genisis, and they have not provided any evidence that I owe this other than they billed me.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I applied for the quicksilver credit card on XX/XX/XXXX and I applied thinking that I would get the {$200.00} bonus once I spend {$500.00}. I called Capital One to make sure that that the bonus would be applied to my account once I met the requirements and they told me I got the credit card, but the bonus wont be applied to my account because they said I only have good credit and not excellent credit, but when I look on their app called XXXX it says I have a score of XXXX and it says that is excellent credit on the app. So its a little misleading having them tell me I only have good credit when on their own app it says I have excellent credit. They said that will call me and send me a email in XX/XX/XXXX business days with a follow up. I have dealt with this same issue a few years ago with the savior one card where they gave me the card with the intro apr but no bonus was added to the card. This will be the last time I will be doing business with capital one for sure. Seems shady and misleading that they would let me qualify for the card and not give the bonus. Dont do business with capital one
Consumer complaint received 2023-07-23
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. (IL)

In accordance with fair credit reporting act XXXX accounts # 1 and # 2 listed below violated my rights. 

Account # 1- XXXX XXXX XXXX. account # XXXX Account # 2- XXXX XXXX XXXX. account # XXXX 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 2023-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (GA)

I purchased a desk on XXXX in the amount of XXXX on XX/XX/year> and this desk was shipped by XXXX. The delivery driver mistakenly delivered it to the wrong address on XX/XX/year> and there was no building number or door letter visible in the delivery photo for me to decipher where the desk went. I attempted to dispute this with XXXX ( merchant ) and they refused to honor the XXXX money back guarantee for the circumstance when I contacted them. I reached out to XXXX to see if they can contact the delivery driver to determine where the package was delivered so that they could reimburse me and the XXXX investigation determined that all research efforts have been exhausted. This shipment has not been located. I reached out to truist bank for this to be resolved and initially requested that this dispute form be emailed as I travel for work. They did not send this form to me. Instead they mailed it and it was received later than expected. I called over XXXX times in the span of XXXX weeks to have this document emailed, the initial step in the process. I have since filled out this paperwork and have asked for several updates on it and no one has anything to offer. The charge is still on the card and there is no contact from truist or the XXXX. I am at my wits end with truist and need my money back.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-09-18
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am looking for a new job as a software engineer. A company contacted me, I interviewed and they said I got the job. Then they sent me a check of {$3800.00} to spend on a XXXX and printer and other home office supplies. It turned out to be a scam and on XX/XX/XXXX my account was closed. I had a meeting yesterday XX/XX/XXXX with my BofA and they said my account was closed due to risk. I asked can I open a new one with them and they said I cant due to my social security is on file as risk. Please help me I dont know what to do. Ive been with BofA for 16 years. Im getting a job soon and I need a an account to do direct deposit please someone help me.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/year> : Reference to prior reports and complaints filed on this exact same company and case matter. Reference XXXX against Bank of America LLC Branch location XXXX XXXX XXXX XXXX XXXX Tennessee XXXX : and the Branch Bank Manager XXXX XXXX Ethnicity XXXX XXXX XXXX . complexion very very XXXX XXXX XXXX XXXX XXXX, hair XXXX in XXXX, appx XXXX in height and XXXX XXXX. have an XXXX accent when talking. 

Whom ever provided this alleged banking evidence to Consumer finance complaint department : Did not provided the actual evidence pertaining to the initial and legal complaint. This case was also criminal felons by the Defendants and Attorney XXXX XXXX in the XXXX XXXX Tennessee XXXX XXXX XXXX XXXX  Docket number XXXX Individual Plaintiff : XXXX XXXX XXXX of XXXX, Tennessee. 

Also be advised there was a legal complaint in with multiple jurisdictions filed against the Presiding alleged title Judge : whom was not a legal Judge are the Judge legally assigned to the court division of XXXX XXXX. And the legal Judge assigned to the division was suspended by the XXXX XXXX Tennessee District Attorney 's Office of Attorney XXXX XXXX.
Consumer complaint received 2020-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I used MoneyGram regularly to send money to XXXX with the option to deposit directly to the receiver 's bank account. This transaction normally takes a couple of days to clear and have the funds available by the receiver. 

On XX/XX/2020 I sent {$800.00} to the same receiver 's bank account previously used ( the receiver 's account 's number is automatically stored in Money Gram 's website for convenient repeated transactions ). Five days later ( XX/XX/20 ) I called customer service to get the status on the transaction since the money has not appear in the receiver 's bank account. The customer service person I spoke with claimed that MoneyGram made the deposit to the receiver 's bank account the next day on XX/XX/2020 and that MoneyGram not responsible after the deposit is completed. It's up to the local bank he said. But MoneyGram is not able to provide proof of the deposit made to contact the bank ; neither provides assistance to figure out where the money went. 

Their customer care is poorly set up.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NV)

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.

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 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I am filing grievance against New Rez, https : //www.newrez.com/ I have been a victim of discrimination by my mortgage company, New Rez while applying for refinancing my home. I was denied the lower interest refinancing option even though I already have a mortgage with them at a higher interest rate. They delayed the process of closing after locking in the rate and offering a conditional approval 3 months ago. After completing the appraisal of the home and home owners insurance clearance, survey of my home by underwriting, New Rez denied me the loan. They were advice of my earning potential and temporary loss of income due to temporary XXXX. 
My loan was handled by multiple loan officers and underwriter and mistakes were made by New Rez in the application process. I was later wrongfully denied the loan and discriminated against and victimized by New Rez. Now I am caught between a rock and a hard place as I still have the mortgage with New Rez at a higher interest rate and was denied refinancing with them at a lower interest rate. I am seeking justice and requesting them to close the loan by XX/XX/2021 before the locking rate of 2.25 expires. They have denied my the loan.
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (MN)

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Atlanticus Services Corporation (FL)

Fortiva- not my account my identity has been stolen XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account my identity has been stolen XXXX XXXX XXXX XXXX XXXXXXXX not my account my identity has been stolen
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax is still reporting late payment from XX/XX/XXXX and XX/XX/XXXX on my XXXX  XXXX account and have ignored all correspondence regarding this matter from myself and from the creditor. The creditor contacted Equifax in XX/XX/XXXX to remove late payments being reported and unlike the other bureaus, Equifax continues to unlawfully report these. According to FCRA federal law that gives a consumer the right to dispute inaccurate information that appears on your credit report and Equifax needs to comply or a lawsuit would have to be filed.
Consumer complaint received 2024-05-21
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation (WA)

I was sent an email about a " late payment '' on a card I never opened- I called XXXX.2024 XXXX2024, XXXX.2024, and XXXX.2024 advising One Main Financial that I did not open a " Bright Way '' credit card with them - each time they advised me that the account had been closed and that I would receive an affidavit via email as well as through the post office. I have not yet received anything from this company and continue to call. They send me email after email letting me know my " payment is late '' and are affecting my credit. I did not open a card with this company, nor have I even received a card and the company confirmed it has not been used and yet they continue to send emails.