davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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. (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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : 1.XXXX XXXX # XXXX XXXX XXXX XXXX C XXXX XXXX
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am unsure I why I am having this consistent problem with XXXX, Transunion, and XXXX XXXX. In XX/XX/2023 I filed a complaint with XXXX reference # XXXX. After a thorough investigation, XXXX deleted XXXX XXXX from my credit report due to lack of verifiable proof, agreement with XXXX XXXX with my signature, and other reasons. I can't understand why XXXX and TransUnion are failing to do a proper and thorough investigation to come to the same conclusion to delete this from my credit report. XXXX, TransUnion, and XXXX XXXX are violating my consumer rights by federal and state law to include but not to FCRA ( 15 U.S.C. 1681s-2 ), FCRA ( 15 U.S.C. 1692g ), and Maryland State Law ( Maryland Consumer Debt Collection Act - Md. Code Ann., Com. Law 14-202 ). The company fails to provide verifiable proof of a signature contract/agreement with me, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I have attached a letter that explains this in further detail to include a letter for CFPB, XXXX XXXX and a statement from TransUnion.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I requested an updated amount from the collection agency and for them to investigate the correct amount with the school. I also requested the school 's " drop '' policy, which the gentleman said that I could request and get that myself. They neve made any attempt to investigate the validity of the amount that they have placed for collection. I never attended these classes and should have been dropped from the classes with a full refund, since I didn't go within the first 3 days of class starting. No attempt was made, other than harassing emails and phone calls from the collection company. 

XXXX XXXX XXXX ( XXXX XXXX  )
Consumer complaint received 2023-08-06
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. (PA)

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. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX7 , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX  XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-08-30
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. (NY)

My rights have been violated numerous of times. 

15 USC 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 602 ( a ) states that I have a right to privacy.

15 U.S.C 1666B : states that A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose Accounts needing correction : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: STATE EMPLOYEES CREDIT UNION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATE EMPLOYEES CRED U 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 I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. 
PLEASE REMOVE IMMEDIATELY
Consumer complaint received 2023-12-06
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 (OH)

I was allegedly charged for past due rent from the months of XXXXXXXX XXXX XXXX XXXX XXXX and i have vacated the premises well before these charges occurred due to the complex breaking the lease! I was also unaware that i was being charged for utilities as i was told they were not even provided by the apartment community what so ever and i have the bills and accounts for my outside utilities if requested. The rent would have totaled {$2500.00}, The rent was XXXX a month. the balance that shows on my credit is {$2700.00} the account was allegedly originally credited by XXXX XXXX XXXX but they were owned at the time by XXXX XXXX.
Consumer complaint received 2023-12-29
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)

Remove inquiries from XXXX XXXX XXXX XXXX  on XX/XX/2023 and XX/XX/2023 .... as I do not recognize these requests. I am providing a report from FTC so Equifax can act. see the report attached.
Consumer complaint received 2024-03-29
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. (FL)

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 2023-10-25
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: Experian Information Solutions Inc. (NY)

THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (FL)

Fay is claiming i pay my taxes and hazard on my own. Meaning no escrow. or escrow is not enough to cover. Yet, i have a substantial amount of money in escrow with them to pay all three of these accounts. It will now be three. 1. taxes 2. Wind/hurricane ( forced ) 3. Hazard ( x-wind ).

I have received two letters at this time stating that i am to be held accountable for paying 2 of the 3 above. I have never paid directly any of these. I have always ( 20 years same mortgage ) had it in escrow to be paid by the servicer.

As well, in their letter response to another complaint on this website, they include " $ XX/XX/2022 {$1500.00} Hazard Insurance-paid by XXXX '' ( past loan servicer ) They have the information on paying insurance # XXXX hazard =x wind. It is coming due and needs to be acknowledged in some way that they are to pay this. I have also asked my Insurance agent to get with Fay regarding this to no avail. 

On the other item, they addressed cost of Hurricane insurance, Forced place, I am fine with that amount. 

On XX/XX/XXXX time frame i uploaded to their portal confirmation of Hazard / amwin/xwind insurance coverage. They have yet to acknowledge this either in email or on their website where i make my monthly payments.

I want confirmation that they acknowledge there is an escrow account to pay all three items above , county taxes and 2 separate insurance policies. I have called the company twice. and I have uploaded the Hazard insurance declaration page to their portal. as well uploaded it here. with no acknowledgement of this being corrected. I keep getting letters stating i am to pay this. so no this company has not addressed all of my issues.
Consumer complaint received 2023-12-28
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. (MO)

I hope this letter reaches you under favorable circumstances. I am writing to express my deep concern and frustration regarding the multiple attempts to remove a charge-off accounts from my credit report. Despite my continuous efforts and submissions of supporting documentation, the charge-off accounts remains on my credit report, adversely affecting my creditworthiness. 

I initially disputed the presence of the charge-off accounts, citing inaccuracies and providing relevant evidence to support my case. Despite my initial dispute, subsequent attempts, and the submission of additional documentation, I regret to inform you that the charge-off accounts persists on my credit report. 

Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, and the supporting documentation submitted during my initial and subsequent attempts to rectify this matter. I believe it is imperative to reiterate that the continued presence of the charge-off accounts are hindering my ability to secure favorable financial terms and is unjustly damaging my creditworthiness. 

I understand the importance of a thorough investigation, and I appreciate your dedication to maintaining accurate credit reports. However, the protracted resolution of this matter is causing undue stress and financial hardship. As a consumer, I have the right to accurate and fair credit reporting under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you conduct a comprehensive review of my dispute and take immediate action to rectify the inaccuracies on my credit report by removing the charge-off accounts. Timely resolution of this issue is crucial to my financial well-being, and I believe it is in the best interest of all parties involved to expedite this process. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX  XXXX Balance : {$250.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-30
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: EQUIFAX, INC. (CT)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America offers horrible service. Ive banked with Bank of America for a long time. Things were not as bad in the past. The problems began when I requested a second ( Travel ) credit card from Bank of America. First, I never received an incentive I was promised for getting the card. Second, my automatic payments stopped working on both cards and I was being charged fees that I had to get waived on several occasions. After countless phone calls and customer service representatives telling me that everything was resolved, Bank of America is literally stealing my money by charging my checking account twice on the same date ( XX/XX/2024 ) and for the same amount ( XXXX ). Again, long waits, phone menu loops, time on the phone to resolve it. The last XXXX assured me that everything was resolved and that I would not have any problems. Since my phone calls I never got a refund for the second charge of XXXX, my account got charged twice again on XX/XX/2024 for XXXX and my credit card stopped working. Besides horrible customer service, these unauthorized charges ( theft of my money ) would have been successful if I had not discovered this problem and spent an enormous amount of time trying to correct the problem Bank of America should be responsible for. I would no longer recommend banking services offered by Bank of America due to the quality of services they offer.
Consumer complaint received 2023-08-30
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. (VA)

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 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 2023-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

To : Citibank , N.A . From : XXXX XXXX cc : XXXX XXXX, XXXX. Notice of case assignments for my filing demands for consumer arbitration with XXXX. To : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. From : XXXX XXXX. Please take notice that on XX/XX/2023, I filed multiple comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX which have been assigned case numbers. Citibank was served on XX/XX/2023 with all my individual case filings and Citibanks other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees. The arbitration cases relate to every Citibank account which has been assigned to you as a Debt Collector, Including your files with reference numbers XXXX and XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of Citibank. I am confused that Citibank has assigned the same accounts to multiple law firms but some day Citibank may get its ducks in a row. As you know, I have been demanding for almost a year that Citibank file its claims with the XXXX pursuant to the arbitration provisions. Due to Citibanks failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant. I strongly suggest that you promptly recommend to your client and get its approval to voluntarily dismiss all pending state court actions without prejudice to mitigate damages. Sincerely, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TN)

On the morning of XX/XX/year> ; I woke up to XXXX different charges posted to my Wells Fargo Everyday Checking account from XXXX XXXX in the grand total of {$850.00}. I immediately reported my debit card as compromised on the Wells Fargo app. I set up a replacement card via XXXX XXXX and within that 5 minute span, the XXXX and final charge was made. I called Wells Fargo and explained to them that these charges were not made by me and there is something wrong with both my Wells Fargo account as well as my XXXX XXXX  system, my claim was denied by Wells Fargo. I called in attempt to escalate the situation and was told You can always file a lawsuit against us by the representative
Consumer complaint received 2024-04-19
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. (DE)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (NJ)

VERIFY THESE ACCOUNTS THAT HAVE INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (FL)

Im receiving multiple calls from Wellsfargo XXXX everyday. Im a XXXX  XXXX  individuals which means while Im out trying to make a living theyre calling. This is getting to be stressful! I added my phone number to the do not call registry and Im still receiving calls.