davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CA)

My daughter sent an application to lease an apartment in XXXX XXXX California. My daughter is a student at XXXX XXXX XXXX. She accidently applied to an apartment complex in XXXX XXXX Texas instead of California. The apartment complex is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I am a Cosigner for my daughter 's lease. We have attempted to communicate with the property management company the very next day after we sent the lease agreement to cancel the lease. The property manager said he will talk to the management and they will take care of this problem. We have phone calls, proof of communication, and emails to the property management company to void the lease. They ignored us. 

We also had our attorney, XXXX XXXX, contact the property management and collection company. They also ignored his communications. Please see attached proof of communication.
Consumer complaint received 2024-03-28
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. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-22
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. (FL)

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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. (PA)

I have reviewed my consumer credit report and the company XXXX XXXX XXXX has inaccurate information reporting on my consumer report. XXXXXXXX XXXX XXXX Account # XXXX stated there is currently reporting that there is an amount due. I have contacted experience on several occasions to perform a thorough investigation and re-investigation providing accurate information. It was stated in a report that the credit bureau completed both a procedural investigation and a reinvestigation deeming the information as accurate. I have asked for proof of how this re- investigation was done and how this information was verified and was not provided with a response. 

This account was reported as charged off on the following date XX/XX/2021. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This is inaccurate information falsely manipulates the statute of limitations. The account failed to be investigated properly and the neglect has violated my rights. XXXXXXXX XXXX XXXX Account # XXXX, Under the Fair Credit Reporting act this account may not appear on my credit report if it can not be supported with proper evidence. I have asked and submitted substantial documentation to have this account removed from my credit report and that the fair credit reporting act is followed.
Consumer complaint received 2023-08-30
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICAN HONDA FINANCE CORP (TX)

I am writing to bring to your attention a concerning incident related to the recent repossession of my Honda vehicle financed through Honda Financial.

I was unexpectedly notified of the vehicle pickup while I was away for work, despite prior agreements with Honda Financial to wait for my payment once I resumed work. During the repossession, valuable items were left in the vehicle, including a XXXX XXXX, a XXXX XXXX XXXX, a new pair of men 's boots, a XXXX XXXX tablet, charging cables, a charging battery charger in the trunk, a wallet with {$160.00}, IDs, credentials, and my passport.

Despite assurances from the person picking up the vehicle that he would retrieve and hand over these items to my XXXX  mother, he left without doing so. This situation has caused significant distress, as not only have personal and work-related belongings been taken, but there was also a breach of trust in the handling of the situation. 

I kindly request your assistance in investigating and rectifying this matter promptly. Your attention to this issue is greatly appreciated. 

Sincerely, XXXX
Consumer complaint received 2024-03-28
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. (FL)

This XXXX  count is fraudulent. I was forced to pay because they not removed it. They argue with me all over again I pay them their money. I disputed the other ones they kept reporting a lot derogatory and malicious things on my credit report. Here are the records of the other accounts they deleted so this account needs to be deleted as well. Thank you.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (LA)

JPMCB CARD fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). JPMCB CARD is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX  by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
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. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

PLEASE SEE THE ATTACHED DOCUMENTS FOR DETAILS. 

I submitted a request to Experian reporting that I have opted out of my information being shared with non affiliated third parties and Experian has failed to respect my right to privacy and overlooked what was requested and instead closed my request by stating that the information disputed was found to be verified and accurate when I initially did not request to have the account in questioned verified I requested to have my federal right to privacy and for my information to not be disclosed without my written permission. 

I submitted all the documents that were sent to the creditor to not share my information and Experian refuses to comply with Federal Law under the GLBA. I am requesting to have my complete consumer file from Experian along with any and all disclosures in my credit file that is rightfully due to me. I am now requesting that the inaccurate be deleted completely from my consumer report due to the lack of a reasonable investigation and the inaccuracy and incompleteness of my report. I am requesting that this be done in 3 days according to the FCRA under 15 USC 1681 ( 8 ) If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer. 

Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. 15 USC 1681i ( 8 ) ( d )
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX 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/year>
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My identity was stolen in XX/XX/year> because of a data breach with my dental insurance company but I was unfurnished via a letter in XX/XX/year>. At these time I signed up for the free credit monitoring they provided and put a freeze on all XXXX of my credit teports. I before this beach caused there to be fraudulent charges that occurred back to back on my " shop you way '' Citibank issued credit card. The first charges were dismissed because they said those were fraudelent but once they sent me the replacement credit card other XXXX charges appeared tgat happened back to back at the same store in the amount of about {$450.00} dollars one day after the other. Even though I signed up for the text messages I did nit receive one on the first day, on the bext day I did receive an alerts and immediate put in for fraud again, but they're telling me that someone used the card so it waveguide features even though I currently do not have the card but I received it. I live with elderly parents and no one is authorized to use my card but they are telling me that I'm responsibility for charges I did not commit. I offered to do a police report and they told me it was not necessary but still making me push for skein I did not charge. I closed all of my citibank XXXXredit cards ( I had XXXX ) since clearly they are just as much of a thief as the person who stole my identify and is using my card.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation (IL)

XX/XX/2022 I filed a dispute with XXXX and they the name on the account to match my name and said it belongs to me. XX/XX/2022 I filed another dispute with XXXX and with chages. I even called regional finance to correct the problem and they there was nothing they could do. They refuse to remove this from my credit report even though it not my account. i have never heard of this company before and never applied for anything from them.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

On Thursday XX/XX/23 I took a personal check made out in my name by my brother in law in the amount of XXXX XXXX to an M & T bank to deposit it in my checking account. This was after an attempt to wire the money from XXXX XXXX to M & T bank failed. I was told that due to the amount of the check, it needed to be verified and my brother in law + XXXX XXXX would be contacted to confirm the checks validity. I found out XX/XX/23 that the check was not processed and was told to reach out to the other bank to inquire. XXXX XXXX told my brother in law the transaction was good on their end and the issue was in the hands of M & T. Later that day I lost access to my online banking app and was told my account was on hold. My account was running low so I took another check made out by XXXX for my recently totaled vehicle to M & T only to find out that the Fraud department had my account locked and no transactions could be made. What made things worse was today on XX/XX/23 my direct deposit from work was sent to M & T and I had no access to that or any of my other balance. The customer service representatives said there was nothing they could do and the fraud department said nothing can happen until the investigation was completed which could take anywhere from XXXX days. I am not fortunate enough to be okay with thousands of my dollars being held from me without good reason. I have bills to pay, living expenses, child care expenses that are not being met and its infuriating and utterly ridiculous that I can not access my own money in the XXXX century. I understand there was an issue with the check between the banks, but the issue should have been solved between them. Not taken out on an unfortunate consumer who relies on his biweekly paychecks to make ends meet.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I stuck my check with payment coupon into the provided envelope and mailed it off as per usual to think utility services with address visible in window. 

check was debited from my account in the amount of {$150.00} on XX/XX/XXXX this year. this should have put utility account balance at about {$110.00} credit ie i won't owe them money for several months received notice through mail this past monday that they think I owe them {$41.00}. 

Provide computer printout of cashed check that indicate a bunch of alphanumeric jibberjabber in the endorse section on back. Bank of america is  the only thing that registers for me. 

think utility services says that their bank is XXXX and that they did not endorse that check today XX/XX/XXXX18 i go to a bank of america branch with the printout to try to find out who actually got the XXXX of my money. The branch manager says that he can not determine who got my money other than to say it appears to be some global account. Some bank of america processing facility or branch allowed an endorser to collect money that was not theirs as they are clearly not ' think utility services '. BofA recommend i file a fraud claim with my institution XXXX XXXX. 

not sure how my check made it to a bank of america from a postal standpoint or a check handling perspective but the manager not being able to tell me who in fact got my money is baffling. It is almost as if the fraud is embraced at the institutional level. Will i get my money back? I don't know, they don't care, but I'll certainly have to work for it if I do.
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: EQUIFAX, INC. (WI)

On XX/XX/year> there is an inquiry with a company I do not recognize. I did not make this inquiry. Remove this from my report asap or I will be filing a lawsuit. There is no evidence this is me so your XXXX response of it being factual is ridiculous and absurd. Remove it now. Thank you
Consumer complaint received 2023-08-30
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. (AZ)

I am formally request and I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand an immediate deletion and appropriate remedies as per the law. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. The following items should be deleted as they are fraud in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Continental Finance Company, LLC (IL)

I cantacted XXXX XXXX XXXX XX/XX/year>, in regards to a collection account reported to the credit reporting agencies. The collection account balance is paid in full, but the account is showing active on my credit reports. 

I called XXXX XXXX XXXX and requested that the collection account information be removed from the credit reporting agencies due to the account has a XXXX balance. 

I was advised by the suppervisor that XXXX XXXX XXXX will not or they do not removed negative information from consumers credit reports even if the account balance is paid in full and have a XXXX balance.