davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (NJ)

I was an Ollo cardholder, but have not used the card in few years. I made one time purchase in XXXX for one year subscription for {$50.00} on this card, I made sure that auto-subscribe button was off. So it was one time deal for me, I paid my {$50.00} owed, and forgot about it. Back in XXXX of XXXX I came to find out that I was charged another {$50.00} from that XXXX XXXX I subscribed for ONE YEAR only, and accumulated some late fees on top, because OLLO became ALLY!!! I was not aware of it, as I get too much junk in the mail, and when I saw ALLY in my mail, I thought it was junk! As soon as I realized that I called the bank, explained what happened. They opened a dispute, I received a mail confirmation on XX/XX/XXXX. They asked me to contact the merchant and try to solve with them. I provided the bank with all the information I could find about that club I subscribed for. The phone number was not legit, the customer service options on their website were unclickable. There were no means for me to get in contact with that shady company. The ALLY resolution was that they find the charge legit, and I have to pay. I decided, that {$50.00} not worse the aggravation, so I called them up and said that I agree to pay {$50.00}, asked them to waive the late fees due to their banks changing, and to close my account. I paid the money, was granted fee waiver, and was told my account will be closed. On XX/XX/XXXX I received a mail confirmation that my account was closed. I have been bombarded by mail and text messages prior and ever since, the latest balance is {$57.00}. ( Attached is a picture to show the frequency of their mail, and there are also text messages and emails! ) .I been calling them numerous times, heard different stories, last one told me I already had {$27.00} late fee honored, she can not honor twice! Twice!!! There should only be one time fee removal, but because of their cycles, it kept rolling into the next cycle, or so I was told. This bank was nothing but headache to me and I wasn't even aware that I became their customer. I am accumulating more fees as days go by, but I feel it is unfair how I was treated, not able to get any help or resolution.
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX XXXX XXXX XXXX filed eviction XX/XX/2022. I paid the balance owed to the court be. My contract with the management company was voided, the case was dismissed, and no judgment was made. XXXX  days later XXXX email me demanding payment for a debt to XXXX XXXX XXXX XXXX. Ive emailed them several times, with supporting documentation the I do not owe any debt and asked them to remove it from my credit report. They have ignored my responses and illegally reporting inaccurate information on my credit report and theyre charging interest.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please view attachments. Lender is hereby notice that they have 72 hours upon receipt of this notice to enter a rebuttal. Failure to enter a rebuttal means that the lender admits to having no claims to this account and thereby forever release clams against the borrower.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I hope this message finds you well. I am writing to address a matter related to a financial hardship I experienced recently. Upon reviewing my credit report, I noticed that you have charged off items ; however, I have not received a 1099 for this particular transaction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child support In light of this, I kindly request that you provide me with a 1099 for the charged-off item at your earliest convenience. Having accurate and complete financial documentation is crucial for my records, especially considering the challenges I've faced. 

Your prompt attention to this matter is greatly appreciated. I am eager to resolve this issue and ensure that all necessary documentation is in order. 

Thank you for your understanding and assistance.
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Continuing to charge interest on unpaid rental debt from 3 years ago. I am being charged for no notice to vacay provided documentation, still no change to money, I am being charged XXXX rent I had documentation that proves we moved out XX/XX/XXXX ... Utilities were shut off in XXXX.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2018-05-21
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. (TX)

XXXX XXXX has reported to Experian two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but Experian refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back in XXXX my Information was stolen when I was hit off my XXXX  im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. 

I have no connections or knowledge about any account listed. please help me on correcting this.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Albert Corporation (OH)

I contacted my bank just before XXXX EST. My payday is every other Tuesday but this bank provider always pays me on a Friday or earlier depending on if theres a holiday. I contacted my employers payroll department to confirm that they in fact wired my paycheck to my chosen bank for direct deposit prior to XX/XX/2023. The bank requested my official pay stub, my account and routing number, all of which I provided to them because they told me they would escalate the issue and this would help them resolve the issue faster. Little to my satisfaction they did not escalate or resolve this issue and I still have not received the funds that I am due and have no way to feed my child or pay my bills.
Consumer complaint received 2023-05-05
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. (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. 

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 2023-09-26
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: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : DP OF EDUC XXXX Balance Owed : {$4300.00}
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX and this is not a third party filing this dispute. After reviewing my credit report I have notice late payments being reported that I have never be late on. By reporting inaccurate information on my report. My consumer rights are being violated. Please see attached documents.
Consumer complaint received 2024-05-23
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)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-12-20
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. (NJ)

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. 

XXXX5 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 2023-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CT)

XXXX XXXX XXXX claims Wells Fargo account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, XXXX XXXX XXXX advised Wellls Fargo would reach out in re, no one from Wells Fargo reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by Wells Fargo reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. Wells Fargo accepts forged signature as true and correct, despite forgery. XXXX XXXX XXXX claims Wells Fargo waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.
Consumer complaint received 2023-10-05
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my several 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
Consumer complaint received 2024-05-23
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. (KY)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Cedars Business Services, LLC ()

Please be informed that I, XXXX XXXX XXXX XXXX, was residing in XXXX as an expatriate resident during the period XXXX, during which I was holding a Bank Account under my name with XXXX including a Credit Card. In XXXX, I EXITED the country in XXXX and since then have been residing in XXXX and then in XXXX till date. 

I have received an information on XXXX XXXX XXXX from a company CEDAR FINANCIALS- from one XXXX XXXX XXXX ( email copy enclosed ) who is claiming that I owe the XXXX {$600.00} pertaining to Outstanding Debt relating to a CREDIT CARD that i held with XXXX way back in XXXX? 


I would like to mention that on XXXX XXXX XXXX itself I have asked the claimant to provide me an OFFICIAL STATEMENT of ACCOUNT and am willing to settle this amount provided this is a rightful due.?? Further I have also requested them to provide me an Authority Letter in addition to the above by the Bank Authorizing CEDAR to collect the subject outstanding. They have provided me a xerox copy dated XXXX, however and IMPORTANTLY have NOT provided me a copy of my account statement / other evidences to support this claim.??? 


Finally on XXXX XXXX, I have received another email from CEDAR with a final date of XXXX XXXX XXXX for settlement failing which they are threatening of further legal consequences as below ; 1 ) Legal proceedings in your present country 2 ) Travel ban for anything up to 10 years 3 ) Interest/fee charges elevation due to the time period My complaint & grievance as a EX- CUSTOMER of XXXX is that how come such a reputed bank such as XXXX could resort to appointment of such agencies who do not work purely on business ethics and logic rather than report to other 'COERCIVE ' means that literally amount to ' XXXX HARASSMENT ' of customers without giving any supporting evidence or other document to support such claims.? OR Alternately if this is a scam then it ought to be dealt with by relevant authorities in order to stop this company /representative from harassing me. 

Kindly review this with utmost urgency and clarify ;
Consumer complaint received 2023-08-30
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 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 2023-11-17
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

HELLO, I APPLIED FOR A SYNCHRONY JEWELRY ACCOUNT LAST WEEK FOR A LOCAL JEWELRY STORE I AM PLANNING TO MAKE A PURCHASE FROM. 

UPON APPLYING FOR THE CARD, I WAS TOLD I WAS DENIED EVEN THOUGH I UPLOADED A VIDEO/PICTURE OF MYSELF, AS WELL AS MY IDENTIFICATION. 

TODAY I GOT A LETTER ( ATTACHED ) STATING THE APPLICATION DUE TO LACK OF IDENTITY VERIFICATION. 

I CALLED XXXX TO SPEAK TO A REPRESENTATIVE WHO ADVISED ME THE DECISION CAN NOT BE REVERSED OR ESCALATED. 

I EXPLAINED THAT I PROVIDED ALL THE DETAILS NECESSARY TO VERIFY MY IDENTITY DUE TO MY FRAUD ALERT ON MY CREDIT REPORT. 

THE JEWELRY STORE PURCHASE SALE ENDS THIS MONTH, AND I WAS TOLD I CAN NOT APPLY AGAIN UNTIL 30 DAYS. 

I FIND THIS VERY UNREASONABLE AS I HAVE PROVIDED SUFFICIENT PROOF OF MY IDENTITY. 

THE APPLICATION DENIAL LETTER IS ATTACHED, AND HAS THE INFORMATION NECESSARY TO PULL THE APPLICATION. I HAVE ALSO ATTACHED A FRONT AND BACK PICTURE OF MY IDENTITY.