davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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. (MO)

As usual experian closed complaints without having addressed the problem which is Experian NOW has stolen almost XXXX months of on time never late payments to XXXX and refuse to give them back, EXPERIAN SAYS THAT PAYMENT HISTORY IS XXXX % OF YOUR CREDIT SCORE WELL WHAT HAPPENS WHEN EXPERIAN STEALS XXXX  MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY MY CREDIT SCORE DROPPED AND THEY KNOW IT AS USE IT TO SCAM PEOPLE
Consumer complaint received 2023-12-26
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)

XXXX XXXX : Received XXXX statement in mail for XXXX that was settled and closed in XX/XX/XXXX. Contacted creditor at XXXX who stated they have not received XXXX  paperwork from XXXX XXXX XXXX, XXXX. 

XXXX XXXX : I contacted XXXX and obtained receipt confirmation of final payment of XXXX received on XX/XX/XXXX. I faxed XXXX confirmation and XXXX pay statement to creditor at fax # XXXX on XX/XX/XXXX @ XXXX and confirmed receipt via phone at XXXX. 

XX/XX/XXXX : Received via creditor email, confirmation of final payment of XXXX and settled in full for less than the full balance however no confirmation of backdating settlement payment completion to XX/XX/XXXX. 

XX/XX/XXXX : Contacted creditor regarding incorrect reporting of late payments and remaining balance past XX/XX/XXXX. Creditor responded they did not receive any documents on XX/XX/XXXX after already confirming receipt proving a XX/XX/XXXX closed settlement. 

XX/XX/XXXX : Dispute of incorrect reporting by creditor to all XXXX major bureaus with the same supporting documents attached that were sent to creditor to confirm XXXX settlement. Experian XXXX response on XX/XX/XXXX showed dispute XXXX closed with no change. Experian XXXX response on XX/XX/XXXX states still working on dispute. 

As of XX/XX/XXXX : XXXX and XXXX still working on dispute. Experian report shows dispute closed with no change effective XX/XX/XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (NY)

CAINE & WEINER COMPANY you have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a )
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I prepaid a lease over seven years ago but the company is still reporting the prepaid information. 
A company is only supposed to report information for 7 years. This company is still reporting this information after 7 years which is a crime according to the FCRA.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 2023-12-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

In XXXX of XXXX my XXXX  and I applied to the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  for an apartment. Prior to signing the lease we were notified that the apartment we had applied for was no longer available and we notified XXXX XXXX XXXX XXXX XXXX in writing that we were no longer interested in pursuing a residence at the complex as our selected unit was unavailable. We paid the fees associated with the application process and ended our relationship. On XXXX XX/XX/XXXX XXXX XXXX  the billing agency for XXXX XXXX XXXX XXXX XXXX sent me an email indicating that we had a {$200.00} dollar move out fees for the XXXX XXXX XXXX XXXX XXXX. I informed them in writing that we had never signed a lease and could not possibly have a fine associated with moving out of a property that we never lived in. 

On XXXX XX/XX/XXXX, I received a notification letter from Columbia Debt Recovery LLC DBA Genesis of Everett, XXXX indicating a potential debt of {$200.00} dollars due to alleged administrative fees associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XX/XX/XXXX, I responded by certified mail to dispute this debt and to request validation of the debt. Within this letter I included an annotated copy of the pre-leasing agreement with the XXXX XXXX XXXX XXXX XXXX that indicated the fees were not required to be paid as neither my spouse nor I ever completed the leasing process at the XXXX XXXX XXXX XXXX XXXX. The apartment we had applied for had been unavailable and we responded in writing to XXXX XXXX XXXX XXXX XXXX  that we were no longer considering the property per the terms of their agreement. 

On XXXX XX/XX/XXXX, I received an email from Columbia Debt Recovery LLC DBA Genesis that included our partially completed application to the XXXX XXXX XXXX XXXX XXXX ( less the terms and conditions portion ), a sheet that indicated we had passed their leasing criterion and an invoice for administrative fees dated XXXX XX/XX/XXXX. I returned in an email that this was not adequate proof for the debt as the terms and conditions had been omitted from the agreement which indicated that no debt was owed. I called Columbia Debt Recovery LLC DBA Genesis on XXXX XX/XX/XXXX and was told to respond via email and that they were unable to provide a phone number to the division of Columbia Debt Recovery LLC DBA Genesis that validates the debt. 

On XXXX XX/XX/XXXX, I received an email from Columbia Debt Recovery LLC DBA Genesis prompting me on the disputed amount. Columbia Debt Recovery LLC DBA Genesis had not yet responded to my previous email disputing the debt in question.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NC)

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is imperative to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a profound regard for the consumer 's privacy rights. XXXX and XXXX, recognized as consumer reporting agencies, hold sensitive consumer information, and I, as the consumer, assert my right to safeguard this information, as underscored by 15 USC 6801. This statute emphasizes Congress 's intent for financial institutions, including furnishers of information to credit agencies, to uphold a commitment to customer privacy and confidentiality.

Pertinently, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish consumer reports under specific circumstances, explicitly when directed by the consumer in writing. I have neither provided nor consented to the furnishing of my information to XXXX, XXXX, or any financial institution. Consequently, any form of consent, whether expressed verbally, non-verbally, or implied, is hereby revoked. 

Further reinforcing my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options. This obligation has not been fulfilled by the furnisher of information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in reports without authorization. The presence of such information on my account violates this provision, as well as 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits furnishing inaccurate consumer information.

Moreover, in accordance with 15 U.S. Code 1681e, consumer reporting agencies must establish reasonable procedures to prevent violations of consumer reporting laws. XXXX and XXXX have failed to fulfill this obligation. Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

XXXX XXXX XXXX is aggressively attempting to collect on debt that is not mine! They started calling me last year stating I owed them {$4000.00} for some apartment complex. When I contacted apartment they showed me contract that had my name but did NOT have my signature or date of birth and I never lived there!!!! this was not my debt to begin with. however national credit systems keeps calling me at XXXX till after XXXX threatening to send sheriff to my house, sue me and to arrest me .... I tried to reason and was even willing to pay in settlement to make them go away but they came back stating that I owed on XXXX different accounts to them now ... this is a scam and should not be legal. they provided me with some leases that I never signed or resided at the complexes. Now they are calling my relatives, work and even got a hold of my co-worker this is absurd and unacceptable!!!!
Consumer complaint received 2024-02-08
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: Affirm Holdings, Inc (FL)

I was not aware of the existence of this account until XX/XX/XXXX while apartment hunting, and I checked my credit report 6 weeks prior and it was not there. I was shocked because I have never used this company. I am working to investigate this account on my end. 
I have reached out to this company several times to request a thorough investigation and it has been incredibly difficult to talk to someone who can handle this situation. They have not made any true effort to investigate, they have not provided any writing ( and I see that this loan was from XXXX ), and they will not responded to any correspondence I send. 

In addition to previous information I have given, I am adding that I also never received any form of a 1099 regarding this account or received any form of communication regarding the status of this account over the course of two years. The first time I have had contact with this company was in XX/XX/XXXX to question them about this account. 

I do not recognize how this account is reporting on my credit report. I do not recognize the account number, status, balance, nor the payment history reported. It does not meet the FCRA
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: COMMERCE BANK (IL)

This new complaint against the Commerce Bank is related to the on-going complaint case no. XXXX. Some fraudulent activities keep occurring inside the Commerce Bank. 

On XXXX XXXX XXXXXX/XX/year> ( Wednesday ), somebody from the Commerce Bank has made an illegal balance transfer of {$500.00} dollars from the complainer 's credit card account of ending no. XXXX. ( Please see the attached balance-transfer 's onscreen image to this complaint filing ). 

The attempt of making this balance transfer on XX/XX/XXXX was made without an authorization from the credit card holder. This is absolutely illegal for Commerce Bank to have allowed it to happen and is creating big loss on the complainer 's side.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (DE)

US Bank closed my online business checking account which had {$5100.00} in it. They did this without my knowledge on or about XX/XX/2023 and have not sent my funds back to me and will not tell me when or even if I will ever get them back. They simply tell me they have no timeline as to when I will get my money back. Who knows how many other peoples money they keep for as long as they want but this is absolutely unacceptable behavior.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This complaint serves to bring 3 credit bureaus ' attention to the violation of consumer protection laws and request the immediate removal of fraudulent accounts from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (OH)

There has been a number of fruadulant inquiries on my personal credit report. I need these removed immediately. 

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 The law states any inaccurate information on my credit report needs to be removed immediately.
Consumer complaint received 2024-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

I sent a letter with my full case and requested information on how to apply for cancellation of my private student loans on the basis of fraud and/or misrepresentation by my school on XX/XX/year>. Mohela responded on XX/XX/year> that they do not offer forgiveness on private loans and that they will not negotiate settlements agreements. They did not provide information on how to apply for cancelation based on the fraud and misrepresentation. 

My school was shut down, investigated by Congress, found to be predatory, and all federal loans have been forgiven.
Consumer complaint received 2024-02-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX PM XXXX To : XXXX XXXX Subject : Re : Gift Card Dispute Form request XXXX Gift Card Dispute Form request ticket # XXXX Gift Card ( {$50.00} ) purchased on XX/XX/XXXX at XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Given as gift and when presented for use, it was declined as already used. There have reportedly been card scams at XXXX. This appears to be one. Target on duty manager refused to address this issue in house. 
Attached are documents requested in the attached pdf. 

I would appreciate a prompt refund of {$55.00}
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (FL)

My wallet was stolen and all my personal information with my ID was used to get a credit card and make purchases. 

I have reported this to American Express for over a year. I call every week and I have verified that they have been lying to me. 
I have been told not to make payments on the card and just wait. They have been reporting me for not paying my bill and ruining my credit.
Consumer complaint received 2023-03-15
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. (NV)

This is my NUMEROUS 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 XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I reported to Amex back in XXXXXXXX XXXX XXXX that there was a fraudulent account opened under my name. I was told not to worry Amex would clear up this. I have been calling every week and Im told they are working on clearing this up and not to worry I dont need to make a payment on the fraudulent account. 

Starting in XX/XX/2023 Amex started reporting me for not paying my bill while the account is being investigated. This contradicts what they are telling me on the phone. 

I feel like they are not trying to help me clear this matter up and are being deceptive.
Consumer complaint received 2024-01-17
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. (VA)

Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!
Consumer complaint received 2024-01-17
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. (CA)

Hello this is XXXX 

You sent my credit report but unfortunately through the investigation you still did not fix the reporting you said that it is verified as accurate When it is not you still have an XXXX on XXXXXXXX XXXX  on XXXX and XXXX on XXXX for my car payment you don't have a check mark of " okay '' saying that it is on time why are you still reporting as if it is " unknown data '' being reported I've been paying on this car for 3 years and now all of a sudden this error.. please fix this on XXXX XXXX XXXX  Account XXXX 

Sincerely XXXX XXXX XXXX