davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (IL)

N accordance with the Fair Credit Reporting Act the following accounts 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. 

Creditor : XXXX XXXX XXXX XXXX  : 08 XXXX XXXXXXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXXr : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Regional Acceptance
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

i have never consented to any type of business with that company, I live in XXXX, they rent apartments in New York. my identify has been compromised. 

They say I owe them XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX GENESIS CREDIT MANAG I MAKE A DISPUTE IN XXXX No/ XXXX XXXX
Consumer complaint received 2023-08-30
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. 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. 

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 2023-11-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (GA)

I attempted a loan modification on XX/XX/ and was denied and now I'm facing a foreclosure on XXXX
Consumer complaint received 2024-01-17
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: Informative Research (IL)

This complaint is in regards to a creditor, i.e. 
XXXX  XXXX XXXX, placing unauthorized inquiries upon my credit profile. I have been trying to reach resolve for over eight months, to no avail. I have sent letters demanding that they furnish proof and remove it, only to receive a generic response ( see attachment containing correspondence ). I will mention that, despite sending multiple letters, I only received a response from the company on one occasion-which was several months ago. I also contacted the three major credit reporting agencies, to which they responded that the information will remain on my credit profile-even after I demanded they furnish proof-without either actually furnishing proof within the requested timeframe ( see attachments dated XX/XX/XXXX/2023 to bureaus ). I will also supply correspondence from the investigation results from credit reporting agencies. They are attempting to allow inaccurate information to remain on my credit, going against my rights to fair and accurate reporting. Please help.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (CA)

1 ) I opened a fraud dispute under the case XXXX on XX/XX/XXXX, the dispute was approved on XX/XX/XXXX. At that moment my account was closed by the bank and I have not received the cashier check with that amount on my mailling address on file. 

2 ) I opened a dispute for merchandize not received on XXXX at my local branch XXXX XXXX XXXX, with XXXX XXXX, under the case XXXX and I sent to him and also XXXX the documentation to support my case. 
I have not receive any update about the case, and through customer service they cant service me because my account is closed.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I submitted a paycheck from ADP from my employer from an Iowa bank in Iowa which I live. I went to my bank, Bank of America. The check was for {$1200.00} and some change. It was my paycheck. Ive never had a problem with their checks being returned before. The bank is holding my check until a WHOLE 7 days because information on the check indicates it may be returned this is such a bologna reasoning and I need my money to pay my bills. Requests for payments have been returned in my account however, NEVER HAS A DEPOSIT BEEN RETURNED. This is crazy and I need my money and they shouldnt be doing this with at least giving any temporary available funds or trusting their customers.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (GA)

My rights were violated by the creditor according to the laws 12 CFR 1006.34 ( B ) ( 5 ), 12 CFR 1006.34 ( C ) ( 4 ) ( I ), 12 CFR 1006.34 ( D ), and 15 USC 1681-S 2 ( 7 ) ( A ).
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (NJ)

Today, XX/XX/24, I have received a note from the XXXX XXXX XXXX, which tries to explain either options state below. Since I can not figure out which option is correct, I just want you decide and clarify me whether this credit company, Aspire, issued a card or not. 

The XXXX XXXX XXXX issued a credit card, Aspire, in the name of XXXX XXXX. And this XXXX XXXX XXXX  was serviced by Fortiva XXXX, XXXX. 

Most likely, this XXXX XXXX XXXXXXXX wants tell me that I complain because I receive the credit card offer from Aspire ; even though I never received a card. From the beginning, why I complain if I was issued a credit card from the XXXX XXXX XXXX 

From the beginning, I do not know this Aspire credit card company and the XXXX XXXX XXXX, I do not expect to receive any 'receipt of [ my ] correspondence ' from the XXXX XXXX XXXX XXXX Anyway, I never have made any correspondence to this Bank. 

Therefore, I do not know why this Aspire or the XXXX XXXX XXXX  knows my email address. I want to have the explanation how this company knows my email address. 

I also checked Fortiva XXXX. The one relates with the XXXX  XXXX XXXX has the address in XXXX, GA ( XXXX ) and I found another Fortiva XXXX XXXX, XXXX, OR ( XXXX ). This number is written in the notice which I received. These two companies have two different logos. I do not know whether these two are one company or not, but I feel weird.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A lady in XXXX XXXX  had opened several bank accounts and credit cards in my name. It has affected my credit score and my eligibility for certain government programs. 
I have contacted the bank they said it was all cleared up. But l still have it showing to state of PA has statements of a bank account that doesn't exist. My name is XXXX XXXX Thank you for your time.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-01-18
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. (AL)

I would like to file a complaint against Transunion Credit Reporting Agency. Ive contacted the company several times and have filed numerous disputes about items reporting negatively on my credit report. I even had a suffix adding to my name and spent months trying to get the matter corrected only to have my credit score to drop in place of the suffix being removed. My score dropped XXXX points because of there negatively reporting practices and not fairly investigating disputes and not requesting information properly upon consumers request. I advise the company of the error and I was denied access of my own credit report and was told that my report had fraudulent activity only to report items back on my credit files that already had been paid, and resolved. They are also reporting items over 7 years old, items paid and discharged through bankruptcy as negative items. Transunion does not investigate items being reported before placing on and individual credit report or do they investigate after a dispute is filed, I have inquiries buy the same company placed repeatedly on my file and when brought to the attention of the Agency nothing is done about it. I feel that individuals scores would not be on the downside if credit reporting agencies will do there part in reporting correct information and making sure that what they are reporting is in fact correct information and not just report information from companies just because they receive information on a individual. Either they investigate and report accurate information or not report it at all. I want my report reviewed for the information Ive stated above and recalculated or for Transunion not to report anything about myself at all. Its not fair!
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

All stated banks AMERICAN EXPRESS, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, if any account under XXXX XXXX and social security number XXXX from XXXX was created due to fruad and scamming. I don't own any bank card or have any association with any banks. 

I XXXX XXXX give consent to close all accounts and in reimbursement check form. 

My number XXXX email XXXX You may contact me Thank you.
Consumer complaint received 2024-01-17
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: DISCOVER BANK (NY)

XX/XX/, I applied for a personal loan with Discover, whom I have a credit card with. I applied because they notified me that I qualified for up to XXXX in personal loans. I applied and within hours I was denied. Then discover sent me an email that had my XXXX score wrong and wrong information from my credit report. When I called Discover and spoke to their rep the next day, neither the supervisor nor her subordinate could explain the false basis upon which the loan was denied. Because my credit is excellent and all the information Discover used to deny the loan was pretextual and false, the only conclusion I can draw is that Discover red-lined me via zip code and race. My credit is excellent and I literally just purchased a vehicle.
Consumer complaint received 2024-01-06
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)

Since pulling a copy of my Consumer credit report 1 year ago, I noticed that this credit reporting agency was and still is in multiple violations and I am entitled to monetary compensation Under FCRA United States XXXX XXXX XXXX XXXX. XXXX ( XXXX ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the noticed under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

For the better part of a year, this agency stalled, neglected to respond, and failed to provide me with proof of in detailed actions ( signed contracts, itemized bills, etc. ) taken by this agency to verify the debt from the creditor, Resulting in an unbearable financial impact on me and my family and inability for me to qualify for a home loan. I have kept proof of every letter sent, the XXXX this agency did not respond, did not comply with proper deadlines and receipts of the financial burden this has caused me while disputing these inaccuracies. 

I myself have been able to spot inaccuracies, fraudulent reporting and even cycled ( cycling back and forth the debt under XXXX subsidiaries owned by the same company ) and doubled reporting by a certain collection agency on my credit report. 

I've also noticed the following XXXX. Lack of Validation : I have not been provided with sufficient validation or verification of this debt as required by the FCRA. I demand this be removed since you have failed to provide detailed information validating the debt, including the original contract or agreement with my signature, proof of the debt 's ownership, and documentation illustrating the chain of ownership. 
XXXX. XXXX XXXX : The reported charged-off amount and related dates do not accurately reflect the account 's history. There are discrepancies in the reported amounts and timelines, which contradict the actual details of the account. 
XXXX. Compliance with XXXX XXXX : The reported information does not comply with the FCRA 's reporting guidelines. There XXXX be violations in reporting this information, leading to inaccuracies on my credit report. 
XXXX. There is a fraud alert on my account since 2018 where proper documentation had been provided at the time to protect my identity.
Consumer complaint received 2023-12-22
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. (NY)

Someone opened an account at XXXX XXXX on the date of XX/XX/XXXX of the amount of {$2300.00} and a late payment XXXX i will also be filing a FTC report XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-24
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: The Bureaus, Inc. (FL)

I have sent several request to XXXX to correct this credit error but have not received any response. This is affecting my credit and I am not able to purchase my home. This needs to be removed immediately
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-08-29
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly.

XXXX  XXXX  XXXX**** Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX  XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00}.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

I received a bill from you on [ XXXX ] and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ XXXX XXXX XXXX XXXX ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ XXXX XXXX XXXX XXXX ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Since LVNV FUNDING owns said debts. Please send proof that a 1099 was sent or not from the original creditors. Please provide to me that LVNV FUNDING is licensed to collect in the state of Pennsylvania and also the UCC and USC codes stating that you can collect on said debt in Pennsylvania and provide the agreement and my wet signature between us and any documents stating that an arbitration was done.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-28
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. (IA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$1500.00}.