davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (TX)

XXXX XXXX has been calling me everyday during the week and on weekends outside of the FDCPA allowable days and times. They call me before XXXX my time zone, they call me on federal holidays, they call me on Sunday 's as well. 

They call excessively all day thru out the day, they will have an actual person call me or a robot system call me. 

I have complained about this to them three times and they still are breaking the FDCPA laws.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (OH)

In 2020 I received notices that this account that was not mine was delinquent. I notified XXXX XXXX that the account was not mine and opened fraudulently but they persisted to try and collect even after I furnished them with a police report and identity theft case report and number. The account was then sold to Cavalry portfolio services  after XXXX removed the account as a collection.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (GA)

On XX/XX/23 I had two bogus charges made on my Visa account with Wells Fargo. After numerous complaints, they will not refund the larger of these of XXXX. This makes no sense, as I have a good amount in both savings and checking with them. I pay all my bills before they are due, and have a credit rating in the XXXX + range. This charge was made in another state, which I have not been to. Case id # XXXX. I have contacted them by both mail and phone on this matter.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUSTMARK CORPORATION (MS)

My account with Trustmark Bank was never late. I have had exceptional payment history with Trustmark Bank and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( TRUSTMARK BANK ) Never Sent the periodic statement along with the DISCLOSURE from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion : Worst reporting Agency. Other two ( XXXX and XXXX ) has no collection accounts. But TransUnion is still reporting. I have tried my best. Reporting late payments on closed account which are upto date.
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. (FL)

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2002 XXXX, TX XXXX Subject : Request to Remove Inaccurate Debt from Credit Report Dear Experian, I hope this letter finds you well. I am writing to bring to your attention an issue regarding an inaccurate debt that is reflected on my credit report. I have taken several steps to address this matter, including contacting XXXX XXXXXXXX XXXX XXXXXXXX, and subsequently escalating the issue to the Consumer Financial Protection Bureau ( CFPB ). 

As per my communication with XXXX XXXX XXXX  XXXX, they were unable to validate the debt in question. Therefore, under the guidance of the CFPB, I sought their assistance in contacting XXXX XXXXXXXX XXXX XXXXXXXX to resolve this matter. Unfortunately, despite the CFPB 's efforts, they too were ignored by the aforementioned entity. 

Considering the circumstances, I kindly urge Experian to remove this collection item from my credit report as soon as possible, as it is evident that this debt does not belong to me. 

In support of my request, I would like to bring your attention to the consumer protection regulations outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ) and 12 CFR 1006.34 ( b ) ( 5 ). These sections emphasize the importance of accurately reporting and investigating consumer disputes. As per these regulations, it is imperative that any discrepancies are promptly addressed and resolved. 

I trust that Experian will fulfill its commitment to maintaining the accuracy and integrity of consumers ' credit information. I kindly request that you thoroughly investigate this matter and take appropriate action to rectify this anomaly on my credit report. 

Please provide written confirmation of the removal of this inaccurate debt from my credit report. Additionally, I would appreciate receiving an updated copy of my credit report reflecting the necessary changes. 

Thank you for your prompt attention to this matter. I remain hopeful that you will take swift action to rectify this inaccuracy. Should you require any further information or clarification, please do not hesitate to contact me at the address provided above. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-04-07
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In XXXX of last year, I had a hit on my credit saying that I owe {$4400.00} for an eviction. I contact the apartments and ask for proof. What they sent me was my ledger of everything that was paid, and then they sent another ledger showing all the charges for XXXX. The ledger that I have ( XXXX XXXX ) shows a security deposit credit in XX/XX/XXXX. I moved out of the apartment end of XX/XX/XXXX. The ledger shows that there was no rent due in XX/XX/XXXX, but rent due and an eviction for XX/XX/XXXX. From my understanding, there was no rent charged or due for XX/XX/XXXX, but I had rent due XX/XX/XXXX. I went to the XXXX XXXX courthouse and there was no eviction filed. I want the Apartment Complex to admit they made a mistake by saying I owe money when I moved out in XX/XX/XXXX, no apartment complex is going to let you live free for a whole month, and then charge you rent in XXXX with an eviction. I want this debt taken off my credit. I tried to explain this to the collection agency, but they will not look into it. So, I have no choice but to file a complaint. 
The XXXX XXXX XXXX is XXXX, and the Apartment complex is THE XXXX ON XXXX XXXX.
Consumer complaint received 2023-01-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I sent a certified letter to XXXX, XXXX, and Experian there are inaccuracies on my credit report from XXXXXXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2021-06-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I original sent a letter on XX/XX/21 to Experian regarding child support. First off this account with child support has already been paid in full and is past the SOL for reporting. And Experian is even reporting a negative payment history which is damaging my report Im requesting deletion of account l. I even sent a follow up letter and still didnt receive response
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

This debt collector employed prohibited practices under the FDCPA, including abuse, deception, and unfairness. They provided information on an account without agreement or signed contract from my side, violating the basic requirement of a legal contract involving two parties ' consent. Additionally, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, each violation entitles me to {$1000.00}, indicating clear infringement of my rights. 
Please be advised that the debt collector are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. 

Accordingly, I am requesting that debt collector do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. 

Additionally any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA.
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. (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These collections & accounts found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Accounts 1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 

XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS Thank you for your cooperation
Consumer complaint received 2024-05-28
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. (HI)

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 2023-12-19
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX XXXX 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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (GA)

I have already sent this information to the company and my husband has spoken with them several times over the last few months trying to get this resolved. Our mortgage company, M & T bank, paid our homeowners insurance through our escrow account. However, the insurance company they paid had just dropped us due to not wanting to ensure our roof. So, we received a check in the mail, supposedly for the amount that was paid out of escrow, {$2300.00} or somewhere close to that. We called M & T bank and asked them what we should do with the check. At this time they told us we could just pay the insurance company. So, we did. A few weeks later, we receive another check in the mail for the exact same amount. We call M & T bank again to ask them what the problem is. This time they tell us we need to pay it back to our escrow account. So, we did. For several weeks we had over {$2000.00} in escrow. However, we received a letter in the mail from M & T bank stating our mortgage was going to increase due to not having money in escrow. Once again, we called M & T bank to make sure this was an error. They assured my husband all was well and nothing should change. Well, our XXXX mortgage payment states it's over {$2000.00}, with {$900.00} of our payment going to escrow. If we deposit $ XXXX from now till the end of the year, we will have over {$10000.00} in escrow. This seems exorbitant and unsustainable. M & T said we have to pay the new amount.
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

I have been receiving 3-4 phone calls a day from Southwest Credit from multiple phone numbers. I have answered a few times and asked them to stop calling as they are calling a business phone. I do not have any outstanding debts that need to be collected on. The phone calls have increased, and now they are calling at all times of the day. This is a violation of the FDCPA in which this company has called me well more than 7 times in a seven day period, calling before/after the the allotted times. This company is harassing and violating the FDCPA and needs to be stopped.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, 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 XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX, GA XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XXXX XXXX I called in an attempt to resolve the past due balance of my credit card. I am going through a divorce and did not have access to my physical mail and or the account login information as my ex-wife had possession and I had moved. I explained all of this to the representative and she helped get the contact information correct. 

Since I was going to have to rebuild my credit, I asked if there was any way to get the account re-opened. She stated that if I paid the past due balance of {$210.00}, the account would be re-opened and they could mail me a new card at my new address. 

I made the payment of {$210.00} on XX/XX/year>. I logged into the mobile app on XX/XX/year> and it showed the account as being closed. Previously, it had just shown as past due. 

I called Capitol One 's customer service to see what was wrong. I spoke with a XXXX and explained the situation. He stated that he did not know why the representative would have told me that as the account was closed and could not be reopened. I told him that I believed this would definitely be a deceptive practice. I would have taken other steps if I knew the account could not be reopened as I trying to get everything financially back on track. He agreed and said he understood. But there was nothing he could do. I asked to speak with a supervisor. 

After being on hold for approximately XXXX minutes, I spoke with XXXX. She also said that they would not reopen the account even though that is what I was told. She stated she could see other notes and actions done on XX/XX/year> from where I spoke with the representative. I again stated that I was deceived and paid the {$210.00} in order to put my account back in good status. She also refused to help in any way. I asked for her ID, she gave me XXXX. I advised I would be filing a complaint with the CFPC as well as the Kansas State Attorney General.

In summary, I was promised that if I paid the past due balance by XX/XX/year>, my account would be put back in good standing and I would be issued a new card. I did not want the old card to still be active as it is not in my possession.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

XXXXXXXX XXXX XXXX were removed from my account without authorization. I have another qualifying Citi credit card with XXXXXXXX XXXX account. I had already requested XXXX XXXXXXXX XXXX  to be transferred to my other card with XXXXXXXX XXXX account so that they can be combined and avoid expiration.