davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-25
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. (GA)

XXXX, Experian and XXXX do not have my consent, verbal, non-verbal, written, non-written to share my information with any financial institution. This is a violation of the Privacy Act 1974. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Columbia Debt Recovery for egregious violations of my consumer rights as protected by the Consumer Financial Protection Act. It has come to my attention that Columbia Debt Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 
I hereby declare my revocation of all communication channels with Columbia Debt Recovery, including emails and phones calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting tat Columbia Debt Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the data being purchased might be inaccurate. If Columbia Debt Recovery is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 
The date on my consumer report indicating that I opened an account with Columbia Debt Recovery is blatantly false. I neither received any services or products from Columbia Debt Recovery, nor have I entered into any contractual agreements with them. The misinformation tarnishes my credit history and infringes upon my consumer rights. 
Moreover, it has come to my attention that Columbia Debt Recovery is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for an immediate resolution. 
The actions of Columbia Debt Recovery constitute, clear violations of 12 CFR-1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau ill thoroughly investigate and address these infractions. 
Please keep me informed about the progress of this complaint, and I appreciate your attention to this matter.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I deposited XXXX checks via mobile app, XXXX under my name and another under someone else but endorsed to me, the next day I noticed that the app said the funds where on hold until the XXXX. Didnt think nothing of it but that same day the XXXX I noticed that my XXXX accounts and another XXXX where XXXX a signer where frozen and funds couldnt be used, not the funds from those checks but funds available from other sources. I contacted chase via phone and they told me the checks couldnt be verified, that XXXX looked like it was written by a child, that it was missed spelled, that they couldnt contact the maker of the checks ( never called him ) that the amount was suspicious, that the endorsement was wrong, that they tried contacting the third party by phone but the number I provided appeared as someone else, I been calling every day trying to solve this issue and XXXX just running loops with their solutions I already contacted the phone carriers and the phones are under each of XXXX of us and also the maker ( my employer hasnt been contacted ), the last suggestion they gave me was to ask the maker of the checks to cancel the payment, and that cant be done because chase already cashed the checks and deposited in my account and froze the money until they solve this matter. So now here I am no solution tru them over the phone or the branch ( they refused to take ids in the branch and we both have accounts with them ) the branch said it cant be solved there because of policy with the call center, today is the XXXX and XXXX to XXXX XXXX where I know theyre gon na keep my money
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

Ive asked them to repeatedly stop calling me while Im at work but they keep continuing to do so. I work at a XXXX  and I can not have repeated phone calls between business hours They call everyday two times a day, for the amount of {$1500.00}
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Synchrony XXXX credit card sent a negative balance to collections. I had paid off the card in XXXX of XXXX  and it was left at - {$50.00}. They should have sent me an overage check. Instead they decided to add large amounts of fees and penalties bringing the total due back up to over {$850.00}. Within one week of my paying the entire balance off, it was sent to collections with their added fees. How can they charge over {$800.00} in fees after I paid it off and immediately send it to collections. I can not rent an apartment after leaving my XXXX  husband due to this and a couple other errors. He was in charge of bills and I couldn't open mail. He decided to stop paying. However XXXX of XXXX  and again in XXXX of XXXX  I paid off nearly every single debt. My score was XXXX and it has only risen 20 points. XXXX reports incorrect and/or old information on top of the other issues. This is ridiculous. How can a person have half a year worth for upfront rent yet still be denied due to a XXXX credit score? How are people in XXXX  financial and emotionally coercive situations supposed to be able to successfully leave if the companies governing their ability to live report erroneous activities?
Consumer complaint received 2023-12-25
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (AZ)

I recently opened an online checking account with Truist. I set up online access, requested debit card, and funded my account. This morning, I woke up to my online access being blocked for security purposes. I received no correspondence from Truist regarding this matter. I need access to my online account and funds with restrictions lifted right away.
Consumer complaint received 2024-04-09
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. (VA)

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 , 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

Today, XXXX XXXX, I went to verify my account status for my XXXX XXXX XXXX maintained by Synchrony Bank. I noticed on my credit report that this account had fallen off. I called XXXX and finally got to speak to someone. She told me my account had been closed due to inactivity and that the last activity was in XXXX of XXXX. I told her I wanted the account open but she refused. The bank closing this account involuntarily has damaged my credit rating due to the fact that I had this card for several years and had a reasonably high, {$4000.00} spending limit on it. I need this account to be reopened, please ; and am even willing to purchase using it. The account has had perfect payment performance at all times during the period while I had been using it more often. I should note that there does not appear to be any indication to me that this account has been closed other than the implication via absence from my credit report -- unfair tactics on the lender 's part.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX 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 2023-12-25
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. (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 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-09-28
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States i have a 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.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want this information to be completely removed from my credit report, it does not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-25
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: EQUIFAX, 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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 2023-06-22
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. (CA)

This is my follow-up 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 : XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Onity Group Inc. (IL)

Wells Fargo never opened an investigation on my mortgage fraud claim. 
The documents were sent certified mail on XX/XX/XXXX outlining the arrest and indictment of the XXXX XXXX XXXX  employees who processed my original loan.Wells Fargo received the information and never took any action getting my side of the story. 
In those documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX case no. XXXX XXXXXXXX. 
XXXX ) A letter outlining what had already taken place in my foreclosure case. 
XXXX ) Forensic Loan Audit Documents. 
My Foreclosure started XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
It continued until XX/XX/XXXX. 
Wells Fargo is guilty of creating insurmountable embarrassment for me and my family. 
Driving by and taking pictures of the house over XXXX times, my neighbors noticed over the years and they started gossiping about us. Our credit and reputation have been ruined because of this for the past 15 years. It led to our divorce and the decline of our physical and mental state of mind. 
Someone contacted our police department and my house was subsequently put under investigation for criminal activities I felt as if I was being watched by everyone. 
I can prove my family and I were victims of a Criminal Enterprise that started at XXXX XXXX  and ended with Wells Fargo. 
Wells Fargo knowingly continues covering up this case to avoid a lawsuit. 
I'm looking for an Attorney to take my case to court if needed. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

To : Synchrony Bank re : all accounts I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

Digging began on my property easement in XX/XX/XXXX  by a third party company who was hired by the city/county for the purpose installing XXXX XXXX XXXX. During this process, an emergency XXXX call was made by an unknown party related to a natural gas leak. Weeks later, I received a bill, by mail, for a total of {$1300.00} which has currently been increased to {$1300.00}. The bill was sent from XXXX XXXX XXXX XXXX and has since been turned over to a collection agency by the name of Caine & Weiner. 
XXXX XXXX XXXX XXXX was contacted by phone to acquire explanation. XXXX XXXX representative chose to not explore the origin of the emergency XXXX call or circumstances related to the easement digging and natural gas leak, placing that responsibility on my household. We were told that the {$1300.00} bill would be waived if we immediately agreed to pay the voluntary annual fire protection fee within the next XXXX hours of the phone conversation.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.