davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-12-12
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Three years ago, I leased an apartment in XXXX, which turned out to be in appalling condition, infested with rats, rendering it uninhabitable. Upon moving out, the apartment complex charged me {$800.00} for damages, falsely attributing the cost to new carpet and overall remodeling, even though no such improvements were made. This disputed amount is now with Genesis Collections Agency, causing harassment despite my efforts to communicate that I am not accountable for this debt. Furthermore, they are charging me interest on an unjustifiable amount.
Consumer complaint received 2023-12-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Emergent Business Group, Inc. (VA)

A company would spoof phone numbers and call me at all times never leaving a message. I answered one call and they wanted me to verify who I was but I was not comfortable. They then informed it was a debt collector trying to collect a loan that I am not sure of. When I said I would need more info and will not pay. The agent got angry and said they will now destroy my credit and I can't keep putting this off and to be responsible for my debt and kept talking over me. I advised I would not be talked to that way and will not be paying at this time. She said they will " note '' my file as non responsive and increase collection action. I never received any written notice about this debt showing me my legal options or proof it's valid
Consumer complaint received 2022-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

15 USC 1681 Section 602 States I have the 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, payment on a credit card account under an open end consumer credit plan as late for purpose.

Seeking remedy for these violations
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Goodman Frost, PLLC (MI)

I was under a wage garnishment since XXXX XXXX XXXX and I stopped having my wages garnished in XXXX XXXX XXXX I believe. I have a document I retrieved from my employer 's website from the court saying on the bottom " FINAL STATEMENT ON GARNISHMENT OF PERIODIC PAYMENTS '' dated XXXX XXXX XXXX. I figured I was done until I received a letter from a different law firm than the one I started out under in XXXX. I wrote them back saying I believed I was done with this debt. This new law firm, in turn, sent me a document saying that the law firm handling this debt had transferred the case to them. However this document was not dated, it did not contain a signature by the District Judge, and it was not sent to either myself or my employer during the period of the garnishment. I also was told I owed {$98.00} in addition to what they were telling me I supposedly still owed on this debt.
Consumer complaint received 2018-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

Hello cfpb, I contacted you in the past concerning my bank problem, I don't know if you thought it was settled but in all this time using lawyers and government offices I continue to look for closure and compensation. 
In XXXX it was brought to my attention that for the pass 14 years, bank employee or employees had been removing money from my Money Market Savings account, Trust account and checking account. I learned that after I would send my bank papers and information to several different offices, nothing came of it I was puzzled as to why a bank such a XXXX XXXX and Chase Bank would let a thing like this go unsettled. Manager XXXX XXXX XXXX at the XXXX Ohio, branch of Chase Bank either was appointed or took it upon himself to intervene with my case. He would tell them that it had been taken care of. He never looked at my bank statements or figured the numbers. In fact when I went to the bank and showed him my checking account where I deposited {$75000.00} and a bank employee removed the {$70000.00} she said my son owed on his loan, it was put in an investment firm in my daughters name without me knowing. XXXX XXXX told me they were not going to give me this money. When I first became aware of the situation, I called the bank and the clerk told me to call the CEO XXXX XXXX, I was shocked to think the CEO would remove money from a depositor 's accounts. I did write him with fax 's and letters the most recent was XX/XX/XXXX with my papers as proof. He never responded to my concerns. I feel he should have gotten in touch with me and appointed someone to look into my complaint if he was to busy to bother himself. This has taken 25 years of my life I lived in a depressed state of mind, not living but only existing.
Consumer complaint received 2017-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (GA)

I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-12
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. (TN)

I have sent multiple letter to Equifax requesting the information needed as to why they are allowing the creditor ( XXXX XXXX XXXX XXXX ) to furnish two late payments that I have shown proof that the creditor is doing unlawful acts. Its not lawful to post a late payment without providing proof that the creditor sent the consumer ( ME ) a periodic statement along with the disclosures from section 1637 ( b ) 21 days before payment due date.

I have attached a letter I have written out to express my frustrations using consumer law facts. My information and everything needed to pull up my credit report will be included in said letter.

You guys are violating my rights!!!
Consumer complaint received 2023-01-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A fraudulent account was removed from both my XXXX and XXXX accounts by the furnished but transition claims to only see it as an inquiry which is not what is reflected on my credit report.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, I sent a letter of dispute and requested validation for items I believe are incorrect or erroneous on my credit report. I received a letter TODAY from Equifax that they are unable to find a file with my information and they are stalling by asking for ID verification documents. These items, license and utility bill were sent in with the dispute so there is no way they can not find my file. 

Since it has been well over the 30 days to dispute, these items should be deleted from my report. 

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 2022-10-26
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: EQUIFAX, INC. (NY)

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 has violated my rights.

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 2023-04-03
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. (IL)

PLEASE REMOVE THE FOLLOWING ACCOUNTS INCLUDED IN THIS REPORT BECAUSE IT VIOLATES MYCHARACTER AS A CONSUMER ACCORDING TO 15 US 1681B PLEASE REMOVE ASAP
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rozlin Financial Group, Inc. (NV)

I was a victim of bag snatching around XX/XX/XXXX all my personal indentification my sss all my cards and my cellphone are inside my purse Good Samaritan called a police and the cops came he do all the reports after that I received all the person used my cards and my identity to call applying credit cards using my name thats so stressful. I thought everything is fine coz I freeze my credit score so that they cant used it but just now XX/XX/XXXX I received a letter from RFGI debt collection they said I owed {$3600.00} from a retail lease from XXXX XXXX XXXX  which I dont know and i didnt do the transaction. I called RFGI to tell them that someone used my identity to buy or lease from XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I stopped doing business with XXXX in XXXX. The company refused to cancel my subscription. I contacted Capital one Walmart mastercard. The company said that they would put a block on the merchant so that they can not submit charges again. Since that call, I also request new card with new number to the issue. After that call on about XX/XX/XXXX, I have report by email from Capital one that there were daily charges attempt by XXXX, but were declined because there is insufficient credit card. 
I have a payment coming up, and there will be enough credit for this charge to go through. 
I call capitalone on XX/XX/, and spoke to XXXX, who told me that the merchant was not blocked because they ( Capital One ) is investigating. 
They said that if they allowed the charge to go through, they can launch a dispute with the merchant afterwards. 
This is almost ridiculous. I believe if I am responsible to pay the card, then if I direct them not to pay any merchant out of my account, they should implement that, and if the merchant does not like this, it should be between the merchant and myself
Consumer complaint received 2023-12-12
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: DriveTime (SC)

This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
Consumer complaint received 2023-12-12
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: CNG FINANCIAL CORPORATION (SC)

This company pulled a hard inquiry on my XXXX, XXXX and XXXX consumer report without my permissible purpose. According to the FCRA 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This company has none of these documents or written instructions from me authorizing them to pull my report. I did not authorize this inquiry. The law states 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I did not authorize this inquiry
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

ChexSystems. 

Please see attached. 

Daily I try and log in my ChexSystems and daily I get the attached message " Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I call this number, speak to a barely English speaking representative, and no one can help me. 

Excuse after excuse. 

I need access to my online account. 

Fix all these errors so I can. 

This is unacceptable as its my right to have access to my own file.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

Electronic payments no longer being processed from XXXX XXXX to shop your way XXXX, unable to make eltronic payment over the phone after providing bank routing number and bank account number, told payments are not received when they were, payments sitting in processing for days while unapplied to account, mislead by customer service, Was told if I wanted to speak to an American representative I had to hang up and continue to call back back until I reach one. Then was able to be transferred to an American representative when I said my next phone call was to the consumer financial protection Bureau. Payment mailed on XX/XX/XXXX was told not received on XX/XX/XXXX I placed a stop payment on XX/XX/XXXX and issued a new check. They then posted the original payment to my account dated XX/XX/XXXX proceeded by posting a reversal due to the stop payment. I mailed a third check on XX/XX/XXXX, this time sending it certified mail. As of XX/XX/XXXX neither the 2nd or 3rd payment had been applied to my account. I called them again and was told my 2nd and 3rd payment had not been received. Then when I told them I mail the 3rd payment certified mail an I knew it was received then then told me my 2nd payment was in processing as of XX/XX/XXXX. As of today no payments have been applied to my account. I was charged interest and a late fee which they agreed to reverse.
Consumer complaint received 2023-04-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have tried several times to have XXXX correct my account as they listed XXXX, XXXX, and XXXX as each being 30 days late each. There could not be 3, 30 day late payments in a row. ( 3 inaccurate mark ) {$1000.00} fine each.

Also, as per 15 us code 1681s-2 ( f ) in which is found on the CFPB website, If XXXX made an accommodation, in which they did, they waived fees on my account due to covid. Since my account was in good standing at the time of the accommodation my entire account was to be update to paid as agreed so there should be no late payments on this account and should show current anyway. 
I sent an email as per their supervisor XXXX on XX/XX/2023 advising to list my credit disputes. The email also had a letter outlining in more detail of the law and what I was disputing. The email was sent on XX/XX/2023 to XXXX. XXXX failed to add remarks to show " customer dispute '' ( 2nd inaccuracy ) {$1000.00} fine. Not only that, they failed to even respond to my dispute of the inaccuracies, and they failed to mark any of my credit reports as disputed as per 611 - 15 U.S.C. 1681i ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. this is another fine of {$1000.00} Lastly, XXXX willing allowed my account to stay inaccurate all this time and has failed to keep my credit accounts accurate as my score depends on this information being true. My score has gone down with all this inaccurate unverified info. They have continued to show an open account with a balance of over {$21000.00} which is ruining my debt to income ration even thought the account has been paid since XX/XX/2023. I can't apply for loans that I need because I this. This is a serious violation as my account is not accurate. This is another violation and {$1000.00} fine. 
total of {$6000.00} in remedy I am due.
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mullooly Jeffrey Rooney & Flynn (NY)

The company is using aggressive tactics to intimidate me under pressure to collect the debt. They contacted my job, bank and constant letters coming into my home. They even went into my bank account that I share with someone else and froze money that do not belong to me. I tried calling them and left numerous voice mails but they will not respond and continue to try all avenues to stress me and make life harder. I do not have the money to pay right now but trying to figure a plan to pay but daily I get letters and different way of them attacking. This is giving me so much XXXX and make me feel as they have all the power and Im a punching bag.
Consumer complaint received 2023-10-10
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. (NV)

In accordance with Fair Credit Reporting act XX/XX/XXXX account # 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