davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (MS)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
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 (CA)

In XX/XX/XXXX, I explored renting a unit at an apartment complex called " XXXX XXXX '' in XXXX XXXX, FL, while caring for an ailing grandparent nearby. I gave my information and submitted an application, and gave a " refundable '' deposit to an agent on-site at the XXXX XXXX XXXX named XXXX. I never signed a lease or committed to living in the building. In XX/XX/XXXX, my grandfather passed, and I no longer needed to lease a second unit ( I live in XXXX   ) in XXXX XXXX. I contacted XXXX on XX/XX/XXXX to officially cancel my rental application and return my deposit on the unit ( see " Re : XXXX XXXX - Proof of Income '' email thread ). I received confirmation on XX/XX/XXXX from XXXX confirming the cancellation and refund amount. On XX/XX/XXXX, XXXX informed me that the refund would arrive by check in " 2-4 weeks '', On XX/XX/XXXX I contacted XXXX again as the refund never arrived. She offered to check with her management but then stopped responding to emails/phone calls after that date. I tried escalating by contacting the corporate-manager XXXX XXXX XXXX XXXX XXXX also without any response. Finally, I contacted XXXX XXXX and initiated a dispute ( it was charged to my card ) for the {$350.00} deposit plus the {$120.00} " application fee '' given the circumstances. I forwarded all of my correspondence with the building, and XXXX XXXX found the dispute in my favor and reversed the charge. On XX/XX/XXXX, I received a " Move Out Statement '' from XXXX indicating I owed {$550.00} to XXXX XXXX- where I never executed a lease or occupied a unit. Multiple emails and phone calls to XXXX XXXX and XXXX went unanswered ( see second email thread ( " RE : Need Assistance XXXX XXXX XXXX Move Out Statement '' ). In XX/XX/XXXX, I was notified by the major credit reporting agencies that a collection had been filed on my credit report from " Columbia Debt Recovery '' acting on behalf of XXXX XXXX. I attempted to dispute those records with XXXX, XXXX and XXXX but they have so far not removed this clearly erroneous item from my credit report and are allowing this entity to now tarnish my credit records. Please help.
Consumer complaint received 2024-04-04
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)

" Your agency is in violation!

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. 
Delete this at once! '' XXXX XXXX XXXX XXXX - XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CO)

I tried calling to get my GM XXXX online account locked and it started with a computer hanging up on me twice before I finally got sent to a customer service representative. The representative kept calling me as XXXX and referring to me with male pronouns despite me telling them it is she/her pronouns and the correct spelling of my name as they need this to access my account. When the agent tried telling me I need to calm down I told her she needs to use the correct pronouns and use my correct name. She then put me on hold. A couple minutes later they called back saying they can not do anything and hung up. All I want is access to my online account. I can not access it when they are doing nothing but making insults to me because they chose to be prejudice against XXXX women!
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/23 I was contacted by Wells Fargo Fraud Department and informed that my checking account had been " Hacked ''. 
I immediately closed my XXXX + year old checking account!! 
Someone had created and cashed XXXX Fake Checks out of my account without even a checking or routing # ... all within a couple of hours. 
After a lot of back-and-forth I finally got reimbursed for all of the fraudulent checks. 
Several weeks after the initial episode, I was contacted by XXXX XXXX stating that my payment of {$7700.00} was past due. I was able to look on-line and tell them that the check had already been processed and deposited. Upon further investigation I found that someone had endorsed my check written to XXXX XXXX and deposited it under the name of " XXXX XXXX ''. The XXXX XXXX check of {$7700.00} was the beginning of this Fraudulent episode. 
Wells Fargo has closed the investigation and states that the bank that accepted the Fraudulent / Forged XXXX XXXX check was responsible. They further stated that they would let me know if they are able to recover the {$7700.00}. 
I am stunned that someone could access my checking account that easily. I am even more stunned that " My Bank '' Wells Fargo allowed it to happen. I contacted Wells Fargo to protect my Checking Account, they are100 % responsible for this " THEFT '' and it is time for them to reimburse the money they released from my account!!
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

XX/XX/2024 Transworld System Inc, Account XXXX reported a collection account against my credit report, with a balance owed of {$150.00}. I disputed this collection with XXXX and they investigated and removed the claim from my credit report. I also filed a dispute with XXXX and they are investigating the claim. The original creditor was XXXX XXXX and I have never been a customer of theirs. The account was opened fradulently. 

I am experiencing a recurring issue with energy companies opening collections against my file that are not my responsibility. My credit is frozen, but that has not stopped this from happening more than 4 times to date.
Consumer complaint received 2024-04-04
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX15 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. The date of service is XX/XX/XXXX and also XX/XX/XXXX 2019
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

On XX/XX/XXXX, I XXXX XXXX, walked into XXXX XXXX XXXX XXXXAuto Now Financial Services for a car. XXXX XXXX XXXX XXXX XXXX The representative at XXXX XXXX proceeded to ask me for my social security number. In doing so, we had now entered into a consumer credit transaction. 
Auto Now Financial Services stated that in order to obtain the car, they required a {$2100.00} down-payment. Then proceded to charge me every month after, Bi-weekly, {$260.00} This is in complete violation of the Truth in Lending Act and is fraud. 
Pursuant to 15 U.S Code 1644 ( a ) this is fraudulent use of my credit card ( XXXX fine ) and 15 U.S Code 1662 ( b ) mixing cash with consumer credit. ( XXXX fine ) My XXXX was payment for the car and they repossessed due to " non payment ''. 
They are also committing Securities Fraud pursuant to the Securities Exchange Act because they have now sold my contract to 3rd party agencies ( which goes against their contract, which in then makes it VOID ) and have profited off my security and I still don't have my vehicle nor my funds returned. 

I am demanding immediate compensation for the hardship I have had to endure due to the Fraud being committed. If payment is not received within 5 days of this notice and/or complaint a Federal Lawsuit WILL be filed.
Consumer complaint received 2024-04-04
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I bank with both Sofi Bank and XXXX XXXX SoFi is my primary bank as I only use XXXX XXXX for its physical access. I cashed a check at XXXX XXXX around the last week of XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX I transferred {$3400.00} of the {$3500.00} in my XXXX XXXX account to SoFi through the Sofi app. My accounts are linked for easy transfers. On XX/XX/XXXX, Sofi released {$2000.00} of the funds into my account and said {$1400.00} was pending. I transferred the {$2000.00} into my Savings account with Sofi. On XX/XX/XXXX, Sofi froze my account and reversed the transfer between my XXXX XXXX and Sofi. They said it was fraudulent activity. It put my checking into a negative balance, but given I have {$10000.00} in a savings account with them they transferred the money to offset the negative. My account is still frozen a week later. They will not allow me access to my account numbers or routing number. My plan was to try to make the transfer through the XXXX XXXX app, but they won't even allow me this. The app told me a number to call to remedy the situation. I called on XX/XX/XXXX. It was the worst customer service or experience I have ever had with a company let alone with a company that has all my money. They said my account will remain frozen for an unknown time period and they can not provide any hypothetical time frames. They said there was nothing more that could be done or anyone else to contact regarding it. They refused to give me my account numbers over the phone. They are denying me access to all my money, even my direct deposit from my job. I even tried to transfer {$100.00} from XXXX to see if that would help get the account unfrozen to no avail. This feels criminal to offer no solution or access to someone's FDIC insured money.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Over the past four years, I have been requesting that this entry be removed from my credit report. They refused to remove this from my credit reports. 

As of the time I am sending this complaint to you, I have again today submitted a request to provide proof that I owe this company or remove this from my credit report.
Consumer complaint received 2022-12-05
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. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Highline Automotive Inc. (PA)

On XX/XX/XXXX I purchased a vehicle from Highline Automotive. A XXXX XXXX XXXX. The sells rep XXXX told me I was approved for a loan. I paid XXXX down payment, paid XXXX $ for insurance, XXXX $ on registration and tags.We went over the contract and I signed it. I left the dealer excited about my new purchase. On XX/XX/XXXX, I received a call from the dealership telling me I had to bring the car back because bank didnt approve my loan. I called the bank to see why the loan wasnt approved. They told me that I was still approved, but since the dealership lied about the mileage on the car, they had to reduce the price of the car. I then call dealership back to see why they said I wasnt approved when I was. The sells rep XXXX got so defensive and told me if I didnt bring the car back they was coming to take it. On XX/XX/XXXX around XXXX I went outside and my car was gone. I called the dealership and the sells man told me I had 2 options. I could come get my stuff out the car or come sign a new contract. Something just didnt seem right. I started looking over the contract and seen that the loan was from the dealership not the bank. The contract was illegally broke. I wasnt even giving my 10 day notice by mail stating to return the car due to contract issue. I wasnt default on payments, cause I just got the car and bank did approve my loan but dealership didnt want to except terms. Therefore they had no legal right to break contract. Then when I asked for my original security notes and credit application back they said they sent them to the bank.
Consumer complaint received 2023-12-30
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. (MS)

I have requested documentation of inaccurate accounts that are negatively affecting my credit profile. The Bureaus continuously report that the information has been " verified '', however can not provide me with documentation of who they have verified these accounts with or how they have verified them.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MD)

I made a reservation for a room on XX/XX/year> on line. My family had a change of plans and the next day I canceled the reservation. I was given a cancellation number of XXXX. 
The next month on my credit card I was charged. When I called the Hotel they informed me that they do not use the on line service that I had contacted. Since then I have called and written multiple times to get the charge removed from my Marcus card but, I am still being billed.
Consumer complaint received 2024-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (NC)

I called the company on XX/XX/year> to schedule a payment. I talked to a woman. The payment amount was supposed to have been {$550.00}. The payment date was supposed to have been XX/XX/year>. Today is XX/XX/year> and the payment hasnt posted my account. I called to inquire on why. The first agent told me that he seen a note the payment was scheduled and then a note after that the payment was cancelled. He also mentioned my bank account info wasn't saved, but they did have my bank account info, so someone deleted it for them not to have it. None the less, the agent that was supposed to have set up my payment didn't read me the paragraph which entailed reviewing the amount the last 4 of the bank account number, that I can't cancel once its placed, etc... she didn't do that. So I asked her confirm the bank account on the phone. I was placed on an extended, long hold for her to do that. I even told her I thought it was odd she didn't read me the info before scheduling my payment. This company given incorrect info constantly. No 2 agents will give the same info. The first agent I spoke to today was supposed to have escalated me and a manger was going to call me back in 30-40 minutes. No call back occurred. Called back again, and the second agents never confirmed if the first agent actually escalated me, just said " if '' he did I would get a call back in 3 business days ( first agent said 30-40 minutes ). I can't make my payment via their draft, they messed that up and I haven't been able to recover from that and get my payments back on time, and they just keep banking on my late fees. I can't pay on the website because I make payments I don't pay the whole amount, and you can't do that on their site. I can't call my payment in because they don't have reps competent enough to know how to do their job and actually schedule the payment. How am I supposed to pay? This is the worst mortgage company I have ever dealt with.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

In accordance to Fair Credit Reporting Act, this debt collection agency, Resurgent Capital Services, also DBA XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy. Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

This debt is inaccurate, and reporting this information on my credit is a direct violation of the law. I request it be removed from any credit bureau it is being reported on.