davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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 (CA)

On XX/XX/XXXX I received an email stating they are trying to collect on a debt I owe to my former landlord. 

i gave them a call on Friday XX/XX/XXXX letting them know that I do not owe any debt and asked them to validate the debt. I also let them know that my landlord and I settled this debt as part of our settlement agreement to resolve the unlawful detainer case they filed in court and that there was a clause in the agreement that was a general lease, releasing both parties I was initially faced with an illegal eviction attempt by XXXX XXXX. Realizing that my relationship with the landlord had become toxic, I decided it was in my best interest to leave the property. After some negotiations, we both entered into a settlement agreement in late XXXX. The terms of this agreement required me to move out by a certain date, in exchange for the cancellation of debt I owed due to XXXX back rent. The agreement also included other promises, like conduct in public forums and a mutual release clause. I fully complied with this agreement by XXXX, a fact confirmed by an email from XXXX XXXX, XXXX XXXXXXXX XXXX attorney, dated XX/XX/XXXX. 

Several months later, XXXX XXXX approached me, demanding payment for a supposed debt that had already been considered and released during our settlement agreement. This isn't just a breach of our agreement; it also constitutes harassment and retaliation. After I refuse to pay the amount, they demanded the matter was forwarded to a debt collection agency that contacted me on XX/XX/XXXX. On XX/XX/XXXX I called them and asked them to validate the debt. I also let them know that the debt that they are trying to collect on has already been settled and let them know that I will provide them documentation. I never received any validation of the debt from them, and I provided them a copy of the settlement agreement in addition to recounting the story to them about the timeline of event, and I never heard back from them. I noticed on XX/XX/XXXX that my credit report showed a debt account in collections by debt collection agency and they reported my debt to a collection agency. I have tried to reach out to the debt collection agency to speak to them about this matter, and they have refused to speak to me, stating that I have some attorney representing me, which is not the case, and they refused to speak to me at all about the matter.
Consumer complaint received 2023-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

My Wells Fargo account was closed in XXXX XXXX XXXX  ( I did not have a debt when the account was closed ). Prior to my account closing I purchased an item using XXXX which cost {$1100.00} - this item was refunded XX/XX/2023 ... after my Wells Fargo account was closed. At first the refund bounced back to XXXX, but the 2nd time, it went through. XXXX have showed me proof that the funds when through and have given me the resources that would help Wells Fargo locate theses funds ( such as the ACH Reference Number ). Every time I talk to Wells Fargo on the phone they put me on hold or hang up on me. When I go in person, they tell me that they " don't usually accept money to a closed account '' but refuse to look at my ACH Reference Number and refuse to show me proof that the funds were rejected. I have been fighting for months and if I am being honest, it is getting tiring.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (IN)

fraudulent account opened in my name after being hacked in XXXX and again in XXXX a paypal credit card THAT IS NOT MINE AND THEY WILL NOT REMOVE IT. Causing my credit limits to be reduced causing my debit to credit limits to increase dramatically
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my XXXX Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the XXXX Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
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. (MS)

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ XXXX XXXX XXXX XXXX ] THIS ACCOUNT WAS LISTED ON MY CONSUMER REPORT MULTIPLE TIMES. ONE LISTED FOR {$150.00} WAS REMOVED. THE OTHER LISTING SHOULD BE IMMEDIATELY REMOVED DUE TO REPORTING INCONSISTENT BALANCES ACROSS THE BUREAU. 

TRANSUNION : [ XXXX XXXX XXXX ] XX/XX/year>. THERE ARE MULTIPLE LISTINGS FOR THIS ACCOUNT ON THE CONSUMER REPORT. THIS IS INJURIOUS TO MY CREDITWORTHINESS AND SHOULD BE DELETED IMMEDIATELY DUE TO INACCURATE AND INCONSISTENT BALANCES ACROSS THE BUREAU. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-05-31
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. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (PA)

I have made repeated attempts at speaking with American Express, and on rare occasions I will get a Representative who forwards me to a person who is to be following up with my requests. Either A ) I am hung up on, B ) The person whom I receive mumbles in the background and puts me on hold multiple times, C ) Claims that providing further assistance goes beyond their scope, at which time I'm transferred yet again to another agent, D ) Attempts to collect the same debt more than once occur ( even after the same debt has been satisfied with regards to a Payment Program ). 

People are losing more faith in American Express as the minutes go by, and now I can see why. If your workers have no desire to follow through with their responsibilities, how do you expect your cardmembers to take your company seriously? It's clear that American Express is a lost company with zero initiative. In addition to this, other cards are used virtually everywhere. American Express, not so much. I won't even challenge American Express with this complaint, because I can already put a wager on little quality and know that will be the outcome. Whoever is in charge of your customer service people is doing a horrible job, because those people all seem to have different definitions of just about everything, and can never be consistent with the information provided to cardmembers, not to mention what your policies state and mean. Just go ahead and listen to the recent " recorded telephone conversations ''. That should give you a better idea of how long I've had to wait on hold, to be hung up on, to be promised this and that, only to get a different person who seems to have no idea what I'm talking about. I thought there were worse companies, but American Express is literally the worst company when it comes to communication. Do with that what you will.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

The date-of-last-activity you are reporting for this account does not match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XX/XX/2024 XXXX
Consumer complaint received 2024-06-23
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: LEXISNEXIS (AZ)

LexisNexis and XXXX continue to report information that I have requested to be fully verified and removed flor lack of proof. I requested on multiple occasions by mail online and over the phone they could not fully verify my information according to the law with a contract, signature, ID with my name on it proving the debt belongs to me, and a contact of the person they spoke with. They keep verifying the Bankruptcy however it is not verifiable. Bankruptcy Rule XXXX Privacy Protection For Filling with the Court and Privacy protection Act of 1970. Violation 5 USC 552a & 31USC 3711 ( e ). No one can call the court and ask for the information and the information online is redacted meaning no information can be verified. So they can not keep claiming the debt as mine when they can not verify the debt. They are also posting Charged off debt. According to the IRS Topic 431 Canceled Debt, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount owed, the amount is taxable. if taxable, you must report the canceled debt on your tax return for the year it is canceled. According to the FCRA of 1970 Law 15 USC 1681-1681x Income can not reported on your credit profile. So for that reason all of my charged off accounts must be removed according to FCRA.
Consumer complaint received 2024-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in perfect Health. I have never stepped in to a XXXX for the last XXXX yrs. I have health insurance and I am financially well off with super Credit rating. Institution by the name XXXX XXXXXXXX is claiming that I owe XXXX plus debts which I am totally denying. I contacted the all XXXX credit monitoring agencies and informed them with my sad situation. Please be kind enough to get this collection off from my record in order to maintain my XXXX plus credit ratings. God bless you all
Consumer complaint received 2024-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I simply woke up to alerts at banks I have never heard of and most alarmingly, I am not applying for credit anywhere right now. the recent inquires were from XX/XX/2024.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

My credit reports indicate that there was a late payment error from SchoolsFirst Federal Credit Union. I never been late on any of my statements with them. This late payment error is unfairly bringing down my fico score and I need this corrected right away.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have submitted all documents requested with my application for mortgage assistance, such as income, bank statements, tax return with letter to stop foreclosure on XX/XX/year>
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC (MD)

I had received numerous calls, received a letter but was not sure of the process, I then received a writ of summons but never received actual verification of debt. Account was closed with out my permission, it was reported charged off, creating an adverse effect on my credit worthiness.
Consumer complaint received 2024-05-25
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. (MI)

On XX/XX/year> I submitted a complaint against XXXX XXXX XXXX XXXXXXXX stating that I am not liable for this debt with XXXXXXXX  I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They did removed the account but then somehow sold it between XXXX of XXXX  to a new company Named XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, I am not liable for this debt with XXXXXXXX they did not provide me with the original contract as I requested.
Consumer complaint received 2024-05-25
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. (SC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, AND XXXXwill investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX... XXXX
Consumer complaint received 2024-05-25
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. (CA)

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, XXXX, and Transunion data breach.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

It is unlawful to report inaccurate information on my credit report. XXXX aka XXXXXXXX XXXX XXXX XXXX XXXX XXXX repeatedly publishes inaccurate information and has forced me to sue in state court. You ignore all evidence repeatedly, u fail to provide me with the docs they gave u to affirm their inaccurate publications, u allow and protect their inaccurate credit reporting willfully and aggressively against me. The debt XXXX continues to affirm is a mortgage loan that was induced by fraud and thus is void at the execution and the law does not allow to be affirmed with payments. Despite this XXXX knowingly and intentionally applied money from check XXXX {$79000.00} into a principal reduction of the loan. Then XXXX took out the money that lowered my principal {$73000.00} and applied it to monthly payments to increase my principal over {$20000.00} and pay themself that amount. You have failed to get proof they paid my home ins XXXX XXXX, you have failed to get proof that the loan was not canceled within the statutory period, you have failed to get proof that I EVER made a payment to this loan. But for some reason you think you can ignore that proof and just keep sides with the inaccurate publication. I dispute the enforceability of this debt so you must do the minimum and get proof that I did not cancel with the XXXX day statutory protection I have. That means you must obtain at the least proof from the company that they or some other person EVER delivered to me the statutory cancel docs. You can not get that proof because those docs were NEVER delivered. The loan was canceled. The evidence proves it. You failed to get proof that I ever got those XXXX written cancel docs accurately filled out. The face of the docs even have the wrong address and include the house across the street. They are facially inaccurate but u ignore that. You dont care. U use any other means of affirming this debt. U use means above and beyond reasonable means to ignore my evidence and side w the company. That is not for u to decide. U must not ignore my proof. You must get proof from the other side that I failed to cancel this debt within the statutory time. Next they will say I owed more money. WRONG!!! I sustained financial injury as a result of the fraudulent inducement for 6 months of this mortgage. That is not for this co to decide or you but a court. I paid back all money per contract terms. The amount in disput is an unliquidated debt that is in despite. U dont get to decide to enforce this debt or publish it as accurate when the very foundation is in dispute. U have a standard of care and you are well below that standard of review. Fix this and remove the debt now.
Consumer complaint received 2024-07-06
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)

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 and 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 2024-06-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP (FL)

On XX/XX/year> I received a letter stating that the toll violations were validated and that I am to pay a sum amount of {$210.00} to their firm, due to toll violations.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (CA)

I made large remodeling related purchases from XXXX on XX/XX/XXXX in the amount of {$1100.00} and on XX/XX/XXXX in the amount of {$60000.00} using my bank account with PNC bank. XXXX has failed to complete the delivery of order and all of my attempts to reach them by telephone and email with request for refund have been unsuccessful. XXXX abruptly closed shop on XX/XX/XXXX and stopped answering its clients, but my order remained outstanding and undelivered. Therefore, I turned to my bank ( PNC ) next with a request to dispute the transaction with XXXX and to refund for the above XXXX purchases because the merchant never completed the order. I contacted PNC bank at the end of XXXX, and the bank notified me that it would require 90 days to conduct its investigation. I kept following up with PNC bank in the meantime for updates, but no updates were available because the XXXX period had not yet passed. In XXXX, PNC bank contacted me with request for additional documentation such as proof of payment and invoice of items purchased and not delivered. I promptly provided them with the requested information and documentation and never heard back again. I followed again several times and called again today ( XX/XX/XXXX ) to learn that my claim has been denied.