davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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 (MS)

Apartment Manager in the state of XXXX apparently do not do any background checks or check for proper ID when leasing apartments. I received a credit alert from XXXX of debt owed for XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. I have never lived in XXXX, XXXX and would appreciate if the state of Colorado would do a better job of screening their potential tenants. This debt is in the amount of {$6300.00}. I have all three of my credit reports locked since 2021 and I still do not understand how these criminals keep accessing my information! I also have my credit locked with XXXX XXXX. I also have identity theft protection with XXXX XXXX XXXX and XXXX and it is a mystery how my information is able to get past all of my security locks. The company trying to collect is COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I am very tired of placing police reports which seems like every 3 months. This process is exhausting and I would appreciate if the state of Colorado would do their jobs!
Consumer complaint received 2018-11-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (TX)

After reviewing your letter and several disconnect which you have presented in your last letter. I have demanded for facts and you have instead relied on hearsay without evidence. The account is # XXXX and the unverified amount you are demanding is {$320.00}. 

First, I have no contract with XXXX and no agreement has ever existed. XXXX has never presented any agreement or claimed any contract exist. Please be advised this is my Third Written request and warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and section XXXX regarding your continued willful and negligent noncompliance. Despite two written request, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. As at today, XX/XX/2018, nothing shows on my credit this debt is disputed which is a clear violation of the 30days period. Furthermore you have failed to provide the method of verification as required under section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not be verified. The law is very clear as to the XXXX liability and the remedy available to me ( section XXXX & XXXX XXXX if you fail to comply with XXXX XXXX. I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

I repeat and request you to provide me the address of the person to send the law suit to be in court.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello how are you? Im following your guidelines and not putting any personal information in this letter! 
I am writing to let you know approx 41 days ago I sent a notarized letter to the company in question about this issue and have heard nothing back! I have also tried to call and was told I had to write them which I did and submit a complaint! I have also reached out to the company which has went out of business since the pandemic! This information is not only incorrect but is negatively impacting my credit worthiness and opportunities. I need this corrected and taken care of immediately especially since this company is not collapsing protocol and responding within a proper and legal time frame as well as correct this situation for me the consumer knowing its impacting me negatively! 
Im question on my report the account XXXX XXXX XXXX XXXX XXXX Closed 120 Days Past Due ( incorrect ) Status updated XX/XX/2019 Balance {$0.00} Balance updated XX/XX/2019 Paid off 100 % Past due amount {$0.00} Original balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It contains wrongful and false information and says that on the, on this of XXXX ; XXXX ; and XXXX are in red and marked as LATE ON THE report while every other payment is marked paid and in green. My educational institute at the time which is still in business vouches for me as well due to the school rules, you can not be late on any form of payment to the school or to a third-party payment institute or you will be dismissed from class until payment is made. That is still the current educational rules as of this date as well. Not only that, but there have been other reports of this current company I am, speaking of having other issues and a long history of derogatory and negative issues towards their clients This hole amount and loan has been paid off and timely every single payment and I refuse to keep having this affect me when I clearly have no other missed payments my hole entire history on any reports! 

In accordance with the Fair Credit Reporting ACT, This creditor has violated my rights! Under 15 USC 1681 section 602 states I have the rite to privacy! 15USC 1681section604A section 2 It also states a consumer reporting agency can not furnish an account without my written INSTRUCTIONS! Also under 15 USC 1666B A creditor may not treat a payment on a credit account under an open consumer credit PLAN as LATE FOR ANY PURPOSE! Which they did and thats illegal! 

Once again this is wrong and is not ok and I want it taken care of as soon as possible! This is not ok and I have not been able to get any help and have did everything Im supposed to! Pleas3 get this corrected for me as the company in question has not responded in a timely fashion and next is notarized letters from my attorney Thank you
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. FORD MOTOR CREDIT COMP XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I mailed a check to Capital One for {$780.00} to be deposited into my Capital One checking account ending in XXXX ( USPS Tracking number : XXXX ). On XX/XX/XXXX, I received an email confirmation of the deposit, but the funds were never reflected in my account. 

On XX/XX/XXXX at XXXXXXXX XXXX I contacted Capital One customer service. The agent informed me that the check would be returned to my address on file due to a name mismatch. 

As of XX/XX/XXXX, I have not received the returned check, and the funds remain unavailable.
Consumer complaint received 2024-01-21
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. (NC)

According to 609 of the FCRA and resent guidelines of the CFPB 12 CFR Part 1022 This advisory opinion underscores that, to trigger a consumer reporting agencys file disclosure requirement under FCRA section 609 ( a ), a consumer does not need to use specific language, such as complete file or file. This advisory opinion also highlights the requirements regarding the information that must be disclosed to a consumer under FCRA section 609 ( a ). In addition, this advisory opinion affirms that consumer reporting agencies must disclose to a consumer both the original source and any intermediary or vendor source ( or sources ) that provide the item of information to the consumer reporting agency under FCRA section 609 ( a ). I have requested from Experian several times to disclose who and how did they verify the account informations under reinvestigation. Even though XXXX and XXXX has removed the exact same inaccurate information after reinvestigation. This my at least 6 attempts to correct this issue. Experian is clearly violating the federal privacy rights and disclosure requirements.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I secured a First Deed of Trust from XXXX Bank XXXX dated XXXX XXXX XXXX, recorded XXXX/XXXX/XXXX. The subject property is located in XXXX XXXX XXXX, however, the Notary/Attorney executed the Deed of Trust on XXXX/XXXX/XXXX was in XXXX XXXX XXXX, the certificate of acknowledgment states State of XXXX XXXX of XXXX XXXX ( attached ) there is no such county in XXXX. There is only XXXX Assignment of Deed of Trust from XXXX Bank to XXXX Bank recorded on XXXX/XXXX/XXXX, I researched no other assignments have been recorded. Nationstar has been collecting my mortgage payments as the servicer for the last five years, I became suspicious when I received a Notice of Sale of Ownership of my Mortgage to XXXX XXXX in XXXX XXXX XXXXThe letter from Nationstar dated XXXX XXXX XXXX specifically sates this Notice of Sale of Ownership was recorded however, I am unable to locate the recording or Assignment. I subsequently received a notice from Nationstar Mortgage stating that my loan has been transferred to XXXX XXXX XXXX. I would like to see the Servicing Transfer /Release Agreement from XXXX to Nationstar Mortgage XXXX and also the Servicing Transfer Agreement to XXXX XXXX XXXX and more importantly the documents the documents which confirm a Sale and New Ownership to XXXX XXXX XXXX XXXX XXXX XXXX 
I do not believe the servicing of my loan nor the multiple undocumented transfers are legal.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (AZ)

I am writing to file a formal complaint regarding inaccurate reporting by Target Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of XXXX I noticed two late payments erroneously appearing on my Target Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXXXXXX XXXX XXXX, I have diligently contacted Target Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over XXXX representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use Target Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of Target Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that Target Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
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: Experian Information Solutions Inc. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

Helvey and associates says I owe {$510.00} for an XXXX XXXX thats linked to an address I never lived at. Its been placed on my credit report damaging my credit. At the time of bill I was still living at my same residence now. Im including an utility bill from XX/XX/2022 proving my location at the time of bill linking to someone else address
Consumer complaint received 2024-02-08
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. (GA)

Got an alert from XXXX XXXX changes of changes to my credit report on XXXX pulled my reports from XXXX. 
I called Transunion and asked for fraud department and was told I needed a FTC or police report and needed to send copy of Identification, ( DL ) and copy of Social Security Card and either a current bill or bank statement.
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (GA)

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath that are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX BankruptcyDate Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Balance : {$680.00} ; XXXX  XXXX Balance : {$1200.00}.
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. (IL)

I was trying to but property and was denied due to unverified public records on my report and a XXXX charge off. I sent several certified letters made calls and no cooperation from credit bureau to show proof of verification. This is defamation to my character and I want all fraudulent accounts removed immediately.
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: Experian Information Solutions Inc. (PA)

Experian Dear Sir or Madam, Re : Report Number : XXXX I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. THIS IS MY FINAL REQUEST. 
I submitted a dispute on XXXX and on XXXX I received unfavorable investigation results. 
XXXX. Account Name : U S DEPT OF EDXXXX Account Number : XXXX Balance : {$3100.00} You claim that the account was updated verified after your dispute yet under the payment history you have ND ( which per my understanding is NO DATA for XXXX  MONTHS. Why is the data missing? Why is this incomplete? Who verified this? 
Remove this immediately.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (FL)

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. '' IC System is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' IC System, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they certainly do not have my written consent. All consent to XXXX, XXXX and IC Systems, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 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. '' IC System 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. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the above-mentioned companys reporting services.