davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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. (GA)

In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 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 an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-20
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. (VA)

This is my seventh 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 items 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 Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

XXXX won't let me gain access to my XXXX report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

XXXX doesn't have an easy way to review my credit report like XXXX and XXXX do.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

ATTACHED TO THIS COMPLAINT IS A ID THEFT POLICE REPORT. There is a inquiry on my credit report that I don't have an account with, nor authorized to pull my credit file, as I do have a fraud alert on my Experian file. I did not authorize this inquiry. The inquiry is by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Contact : ( XXXX ) XXXX '' dated XX/XX/2019.
Consumer complaint received 2024-03-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I moved out of an apartment, and 2 years later started receiving calls and emails from this company claiming I owed {$10000.00} for accelerated rent after I moved out of the apartment. 

This is not true, and is illegal. I gave the apartment manager the required notice and was told I would not pay any additional fees because someone else would be occupying the apartment shortly after I moved out. New tenants did move into the apartment only 10 days after we moved out, thus ending the lease agreement. 

So this company is attempting to collect 6 months rent for an apartment that was already being rented out. This is not legal and is harassment. I attempted to explain this to the debt collection agency but they told me it was up to me to provide the 'burden of proof '. 

It is the responsibility of the debt collection agency to make sure that the debt they are attempting to collect is both legitimate and legal. They could easily obtain this information by a simple phone call. 

This collection has already appeared on my credit report and is negatively affecting my credit score. Attempting to resolve it has taken time away from my work and family. I demand that this be immediately withdrawn and the company be more diligent in the future to make sure that they are operating according to the law.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Notice to principal is notice to agent notice to agent is notice to principal I am writing to express my serious concerns regarding a matter that pertains to my right to privacy and the violation of my consent in the context of a consumer report. 

As an individual who values their privacy, I am deeply troubled by the recent events that have come to my attention. I have discovered that a consumer report containing my personal information has been generated without my explicit consent. This is a clear violation of my rights as outlined under the mentioned legal statutes. 

According to 15 USC 1681a ( b ) ( 2 ) ( i ), consumer reporting agencies are required to exclude certain accounts from a consumer report when those accounts arose from transactions and experiences involving my credit card. This exclusion is essential to protect the privacy and rights of individuals like me. However, I have observed that accounts stemming from my credit card transactions which congress defines a credit card as 15 USC 1602 ( L ). These transactions and experiences have not been excluded from the consumer report, as mandated by law. 

Furthermore, it has come to my attention that your organization claims to have a permissible purpose to furnish information about me, as allowed by 15 USC 1681b ( a ) ( 2 ) However, I want to emphasize that I have never provided written consent for your company or any affiliated entities to furnish, collect, or disseminate any information about me. This lack of explicit consent raises serious questions about the legality of the consumer report in question.

I kindly request that you promptly investigate this matter. I also request that all accounts that arose from a consumer credit transaction which was done by my credit card as defined by congress 15USC 1602 ( L ) should be excluded according to 15 USC 1681a ( b ) ( 2 ) ( i ) will be removed from the report immediately. Please provide a written statement on why my consent was not obtained before generating a consumer report on my behalf It is my sincere hope that we can resolve this issue amicably and ensure that my rights are upheld in accordance with the law. Please respond to this letter within 15 days with your findings and proposed actions to rectify this situation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Recovery Management (NC)

I received the following text message from the phone number ( XXXX ) XXXX : Fox Collection Center. You have account XXXX in our office. Call XXXX www.payfoxcollection.com Reply Stop to opt out And I do not have any outstanding debts.
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (KS)

I am having issues with AidVantage and XXXX XXXX. 

I am part of the XXXXXXXX XXXX XXXXXXXX settlement and should have received full relief by XX/XX/year>. When I contact AidVantage, they tell me my discharge is complete and I am not due any refund. I know, per the terms of the settlement, I am due a refund of all payments paid on my Federal loans. 

I received a discharge letter from XXXX last XXXX that they discharged 10 loans. I received a discharge letter from AidVantage a week ago for XXXX loans, which were from a previously closed servicer, XXXX. At this point I assume the process is complete, that is all my XXXX loans. 

I called AidVantage today to ask about my refund and they said I am not due any refund. I said yes I am still owed more than XXXX  XXXX! They said they only received a letter from XXXX  XXXX  about the 4 Conduent loans. I asked about the 10 XXXX loans, they are even reflecting on my AidVantage account! I asked when those will be refunded and they said they have not received any letter about those loans from XXXX XXXX so there is nothing they can do with those. 

So then I call XXXX XXXX and the line says unprecendented high call volume and hangs up. There is no way to speak to anyone to request these additional XXXX loans that were already XXXX be sent to AidVantage for refund. 

So then I call XXXX to see if maybe they should be issuing a refund? They say no they have no refund for me and they transferred my loans to AidVantage. 

If I can't get through to XXXX XXXX at some point, I am at a dead end.
Consumer complaint received 2023-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is a third party debt collection agency. I do not owe them money, nor are they reporting that I do. However, as previously stated in my complaints, XXXX XXXX XXXX has viewed my credit four times in the past year. 

I filed a complaint with the CFPB regarding this issue. I received my XX/XX/XXXX, report from Trans Union and discovered XXXX XXXX XXXX is still reporting inquiries. I believe this makes their actions malicious.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (KS)

I tried to transfer XXXX XXXX to my chime account and they lock my account because they say it doesnt follow terms. I used my own bank in my name and they keep harassing me to verify my info to upload documents when clearly I already have.
Consumer complaint received 2023-09-28
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: Premium Credit Bureau (NY)

XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

This credit card was opened in my name without my knowledge. I filed police report for identity theft, and the 3 credit bureaus blocked them from reporting. 45 days later ( after the 30 days allotted ),  Discover added it back to my credit reports and told me " someone has to pay for it '' even if I was a victim of fraud.
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: EQUIFAX, INC. (NY)

XXXX 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$250.00}
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP (NY)

Forster & Garbus, an attorney run collection mill, claims I owe a credit card debt. I don't recall any such debt, or if there was one it was incurred over 20 years ago. I have no original paperwork in my possession concerning this matter. 

They have not certified any documentation concerning the debt in accordance with its recent settlement with the CFPB.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OR)

I have reported to all 3 credit bureaus multiple times that Navient is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (MI)

I am reaching out because I have an inaccurate item on my credit and it does not belong to me and I would like it to removed because it does not belong to me In accordance with Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights under15 U.S.C. 681 XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX  account # XXXX and # 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 XXXX It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-XXXX ( A ) ( XXXX ) 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 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - I was never late on this account. Bank had the wrong address and agreed XXXX remove negativity. Please verify all information is 100 percent accurate true and correct. Also please verify this account is not untimely inaccurate unverifiable or incomplete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I was never late on this acct. It was paid in full... Creditor agreed to remove all negativity. Please review file for all inaccuracies. Please verify it is not untimely, inaccurate, unverifiable or incomplete. Please remove negativity ASAP Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2022-10-19
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (TX)

My auto/RV loan was recently transferred to BMO. For the past three months BMO has lied and made it very difficult to make an extra principal payment. The XXXX month I called and was told by the call taker that a principal payment could be taken over the phone, which I did. I checked my account a few days later and it was not applied correctly and had to call to have it reversed and applied correctly. The XXXX month I called and was told by the call taker that a principal payment could not be taken over the phone and had to be mailed by check. I did that and specifically made sure it was labeled principal. I checked my account and it was still not applied correctly. I called and had it reversed and fixed. This time I was advised that if I made an " external transfer '' from my bank to the BMO auto loan that anything over what is due will automatically be applied to the principal. I checked my account and imagine my surprise when over 80 % was applied to just interest when I did not owe anything on the account. I called for the XXXX month in a row. This time the person I spoke to told me principal payments were not allowed and I had to pay off the interest. I got very upset and she said she would transfer me to a specialist. She transferred me to main phone tree instead of a specialist. I waited on hold for a 2nd person who was able to fix it.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act Laws. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or 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.