davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

I purchased a kitchen appliance for the sole purpose of raising my XXXX, I paid off said appliance in 30 days/four weeks in cash and kept all receipts. 
12 months later IXXXX receive a phone call with a rep from Conns telling me because my last payment was a charge back I have incurred TWELVE MONTHS of incurred interest. 
of over {$1200.00}, when in fact I had ( paid in cash ) so I knew that was FALSE. 
When I asked the rep what was the last four digits of said card, she could not supply said card and explained that my account was sold to a third party.XXXX This whole interaction left me baffled and highly upset, I hung up the call and was harassed for years to come and it has been almost 5 years and I'm still dealin g with this XXXX fraud company. 
On the app called XXXX, Conns has hundreds of complaints against them for deceptive acts upon them. HOW is a company of this size able to conduct business against people this many times over and still remain standing?!?!?!? 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-30
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. (PA)

The companies below are violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my permission nor written signature to report this information to my credit report this information is not accurate and incorrect it is fraudulent. I demand that the information below gets removed immediately. 

XXXXXXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (AL)

Hello CFPB, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-11-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX, several accounts/credit cards were opened using my information including XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Bank of America, XXXX XXXX , To XXXX XXXX, and XXXX . I immediately disputed all accounts, which were all removed from my credit and I thought the issue was resolved. At that time I placed a fraud alert and activated protection. Fast forward to XX/XX/XXXX, I was applying for an auto loan and realized I had a charge off from Bank of America which I thought had been resolved in XXXX. I immediately went to the police and filed a report and have been going back and forth with XXXX and Bank of America to resolve this issue. I went to a Bank of America branch on XX/XX/XXXX and had them fax over my police report and all of my supporting documents that they requested and my dispute was still denied based on them claiming that they did not receive my supporting documents and also stated there was not sufficient evidence to support my claim. I have provided a police report, along with pictures of all the accounts that were opened at the exact same time of the Bank of America credit card, and pictures of all the disputes from the other accounts that I filed back in XXXX. Please may I have assistance with getting this resolved.
Consumer complaint received 2024-03-29
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. (TX)

XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany
Consumer complaint received 2018-12-24
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: Fidelity National Information Services, Inc. (FNIS) (SC)

I have been a victim of identity theft and the fraudulent accounts reported below are a direct result of said theft. I've sent in documents to support my claim. Chex Systems has inaccurate info on my consumer report, a name that i've never been know by and a completed different SSN and address is listed that i've ask them to remove and they have refused to.
Consumer complaint received 2023-12-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

In the collection of this alleged debt I have confirmed with XXXX XXXX XXXXXXXX and XXXX that the account reporting to my consumer report is reporting inaccurately. The company has clarified that the collection agency if willfully reporting the balances and dates to deceive me and the credit agencies, who are financial institutions by law. 

Furthermore, I am being told that by XXXX XXXX XXXX that this account has been close with their office and charged off and that the 1099 for the IRS would be provided by IQ. Data International. Since this debt has been charged off it is income and needs to be reported. Otherwise, both companies are doing fraud and being deceptive. I am needing the 1099 filed for this debt and IQ Data international EIN for tax purposes.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023, XXXX XXXX reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score XXXX points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called XXXX XXXX on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with Experian on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of XXXX homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in XXXX charges. The XXXX XXXX must pay for this cost.
Consumer complaint received 2023-11-30
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. (TX)

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX  XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX  Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2024-03-29
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. (TN)

I'm not related with these credit administrators, and I didn't begin the request. I'm referencing that you get them out of my credit report right away. These deals are not upheld by me and are futile to my financial activities. I request their development from my credit report.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (MI)

Dear Sir / Madam We booked XXXX XXXX XXXX located in downtown XXXX XXXX, CA for two nights of XX/XX/XXXX and XX/XX/XXXX. At 1st night of XX/XX/XXXX we stayed in room XXXX XXXX around XXXXXXXX XXXX of midnight my wife was XXXX XXXX XXXX XXXXXXXX XXXX woke up, there are multiple XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and we found a bed bug in bed. Then we immediately went to the inn office to report the incident and requested to switch a room. 

However the staff said that the inn was full and there was no vacancy room for switch. He asked us to come back in morning and promised to switch a room for 2nd night of XX/XX/XXXX. We had no way but went back room # XXXX, but we could not sleep because XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Next morning the staff switched our room to room # XXXX for 2nd night of XX/XX/XXXX, the room # XXXX was fine with no bed bug. 

On XX/XX/XXXX I called the hotel and requested a refund of {$100.00} ( cost of 1st night stay on XX/XX/XXXX ) ; however the hotel representative named XXXX refused to refund. 

On XX/XX/XXXX and XXXX XXXX, XXXX I submitted a dispute in writing with the same description and pictures of multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a bed bug found in our bed as evidences to the credit card issuer-Chase for two times ; However on XX/XX/XXXX Chase finally rejected my dispute with Chase confirmed that the transactions you disputed are valid. 

We do not agree with Chase conclusion that " Chase confirmed that the transactions you disputed are valid ''. The conclusion of investigation is unfair for us, because of bed bug we dissatisfied the stay in XXXX XXXX XXXX, my wife was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she was not able to sleep whole night. We lost {$100.00} for that night. We doubt whether Chase really did investigation. 

Please help us to get corrected. Thank you.
Consumer complaint received 2023-12-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

A derogatory mark showed up on my credit report on XX/XX/XXXX via Genesis XXXX from a rental property named XXXX at XXXX located in XXXX XXXX. I immediately submitted fraud claims through XXXX, XXXX, XXXX XXXX, and contacted Genesis XXXX  to get more information. 

I was told by a representative of Genesis that they emailed the fraud claim paperwork ( not paperwork, it is just text in the body of an email ) to an email that was not owned or operated by me. I was asked to provide my social security number to them over the phone, but I was not comfortable doing so, as this debt is fraudulent and they did not appropriately verify my identity before discussing the claim with me. I am waiting to hear back from them regarding documentation required to reverse these collections and learn more about what information was provided by the fraudulent renter. 

The debt collection is in the amount of XXXX and was sent to collections on XX/XX/XXXX. I have not been to XXXX XXXX in several years, and have never lived or rented there. Additionally, the collections account is under my maiden name, XXXX XXXX and attached to my parent 's address, not mine. See attached downloaded email from the collections agency. I only received this on XX/XX/XXXX, without any prior written, verbal, or email communications from them. 

My credit is and has been locked through XXXX for a long time, and I only unlock it when I need to.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly verify the documentation as FCRA 605B necessitates the elimination of erroneous accounts from my credit report. Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} is warranted for each inaccurate report on my credit file.
Consumer complaint received 2023-11-30
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)

On XX/XX/2022 My information was used to open a loan with XXXX XXXX XXXX XXXX  '' for an about of {$26000.00}. I did not open this loan nor have I authorized this loan to be open and I have not gained anything from this loan. This loan was opened due to identity theft. I do not know who the thief was nor how they got ahold of my information however I have contacted this company multiple times letting them know of my situation and they have done absolutely nothing to help assist me with my case.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Received an email saying I signed up for services and tried to get me to open a service agreement. Email received today XX/XX/XXXX at approx XXXXXXXX XXXX. I did not open the agreement because it seemed like scam and I knew I did not do it. I called the number and it sounded to me like a person answered Bank of America from a home line. He could not answer my questions about time and date and other information I was asking for about this being fraud and wanted me to open a service agreement. I ended up hanging up and decided to file this complaint because I'm unsure of who I am speaking with at supposed Bank. XXXX number was listed on prior scam, phishing warnings XXXX.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Requests sent to update my personal information and my address with all 3 credit bureaus and as of Today XX/XX/23 XXXX and XXXX have not corrected the information on my report. I also filed a requests for them to remove Accounts off of my report with Experian and XXXX and XXXX the last one was sent back in XXXX. As of today they have not removed the requested Items. I am attaching a copy of the letters I sent to them with the requested Items and the rules supporting my request and all the supporting documentation that has been sent to them on XXXX different occasion. 

I would like to thank you in advance for your time and assistance with this matter.
Consumer complaint received 2023-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (FL)

Notice of case assignments for my filing demands for consumer arbitration with XXXX. To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. RE : your client XXXX XXXX XXXX, XXXX. Reference XXXX From : XXXX XXXX. Please take notice that on XX/XX/, I filed 4 multiple 25 + page comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX  which have been assigned 4 separate case numbers which I will seek to be resolved in hearings with separate arbitrators. XXXX was served on XX/XX/XXXX  with all my 4 individual case filings and XXXX  other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees as my consumer fees have been paid what is due. The arbitration cases relate to every one of my 4 XXXX accounts, including those that I have received notice that have been assigned to you as a Debt Collector, Including your files with reference numbers XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of XXXX. As you know, I have been demanding for almost a year that XXXX file its claims with the XXXX pursuant to the arbitration provisions. Due to XXXX failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant in 4 separate cases. I strongly suggest that you promptly recommend to your client that you proceed with your own claims in its own separate arbitration demand filings, the forum required by the arbitration clause written by XXXX. I demand arbitration! I will not tolerate any frivolous attempts to litigate disputes in courts and I will automatically and permanently STAY any attempts to bypass arbitration by XXXX  filing court complaints. Lets Arbitrate! Sincerely XXXX XXXX
Consumer complaint received 2023-06-01
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/24 Dear Credit Bureau, I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit Terms. 

XXXX XXXX XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (GA)

I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt.

Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.