davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I HAVE DISPUTED THIS ACCOUNT FOR ITS INACCURATE REPORTING. I HAVE YET TO RECEIVE ANY UPDATE ON THIS ACCOUNT FROM THIS FURNISHER! SEE ATTACHMENTS
Consumer complaint received 2023-10-06
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 (MO)

On XX/XX/23, Columbia Debt Recovery LLC dba Genesis sent myself and former housemate a letter and email stating a supposed debt of ours had gone into collections and they were contacting us in an attempt to collect on this debt. We responded stating that no debt was owed by us. The property management company of an apartment we lived in over 2 years ago is supposedly trying to get us to pay for carpet replacement on an apartment we lived in for one year. We moved out, settled all of our move out paperwork, and even retrieved our mail from the property manager for a month after moving out. When we moved out, they carpet was in perfect condition and the property company never said a word to us about anything. Now, 2 years later, we are presented with a bill for carpet replacement. We did not damage the carpet, nor did we sign any agreement that they could replace the carpet at our expense. On XX/XX/23 we responded requesting all communication with The XXXX XXXX XXXX XXXX be shared with us, including photo 's and proof of this debt. What we received was a typed bill on company letterhead and our original lease. Nowhere in any communication is their proof that the carpet was damaged and needed to be completely replaced or a document signed my us stating they could chose to replace it our expense.
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

Dear Sir or Madam : I am a victim of identity theft. The information listed 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. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

XXXX and Transunion are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report.

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.
Consumer complaint received 2023-10-06
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-13
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-11-12
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: Bread Financial Holdings, Inc. (NY)

My identity was stolen and so I have multiple police reports and a FTC report that proves that I didnt open an account with Comenity/ XXXX or XXXX XXXX XXXX They didnt have none of my correct information on file. Not my address. Not my phone number. Nothing. All they did was update it and verify it, but cant show me proof of verification. I literally sent so many different documents to prove it wasnt me and they ignored it and only update the information. These reports should not be on my credit file. These are fraudulent accounts and I took the proper steps to get it removed, so they shouldve been gone. Not updated.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I called in after I was under duress in an International Airport to stop/cancel a transaction for an Emergency XXXX XXXX XXXXXXXX that was made on my Wells Fargo checking account and they failed to do so, and would not help me at all.
Consumer complaint received 2023-04-17
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. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX 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 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-10-06
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. (FL)

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

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 inructions 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 XXXX 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 2023-04-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've been a victim of identity theft since XX/XX/. I've habitually sent XXXX and Transunion multiple fraudulent inquiries that are listed on My Credit Report via an updated Identity Theft Report through the Federal Trade Commission and they have refused to delete these inquiries.
Consumer complaint received 2023-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (DC)

XXXX XXXX XXXX XXXX XXXX american profit recovery {$490.00} XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XXXX XXXX XX/XX/XXXX charge off/closed XXXX  XXXX {$600.00} closed and report negative after reviewing my credit profile today .i identified a discrepancy with these accounts listed under XXXX XXXX and validation was requested as this was an account i didn't recognize, i reviewed my credit report and its still reflecting on my credit report. I have not received my correspondence from creditor to validate these accounts as correctly belonging to me. nor has my credit report been updated to reflect that this account is disputed. this account is negatively affecting me.im not able to get loan to try to get house for me and my family. Under fair debit collection practice act ( FRCA ) ( 15USC 1692g ) stating my claim is disputed and validation is requested.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

There were several fraudulent charges from XXXX, XXXX and XXXX on my City XXXX XXXX Card out of XXXX XXXX XXXX XXXX XXXX, SD XXXX. The charges were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XXXX and I did not make any of them. I was in XXXX these last 7 months ( overseeing my mom 's death, last will and testament /paperwork/inheritance ). I called them from XXXX, XXXX to let them know I had not made those fraudulent charges and asked them to close my account and dispute the charges. They said there would do an investigation, but in the meanwhile the XXXX charges were made even though i had asked them to stop and close the account. I thought the problem had been resolved and I just came back to XXXX XXXX XXXX, 2023... .just to find all these past months the City XXXX XXXX Card has been charging me with LATE FEE PAYMENTS and INTEREST CHARGES on the fraudulent charges I had disputed. I have called them 4 times these last week and they keep on transferring me to different departments that just give me the run around and have not resolved the issue in over 4 months. Also, every time I call I get XXXX representatives and it is super hard to understand what they are saying. It is very frustrating trying to speak with them. I should not have to pay for late fees for fraudulent charges I did not make. Every time I call them they transfer me at least XXXX different times to representatives who can not help me and put me on hold for long time at a time. No one has been able to help me solve this matter. They told me they had already removed the fraudulent charges, but they still want me to pay for the All i want is for the LATE FEE PAYMENTS AND INTEREST CHARGES. Please help. So far it has been a really pain in the neck just trying to communicate with them.
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (NY)

I am writing to dispute the presence of an unauthorized hard inquiry on my credit report, as listed in the report I received from your agency. I have identified an inquiry that was made without my consent or knowledge.. 

To assist you in your investigation, here is the inquiry that I am referring to : -- EQUIFAX -- XXXX  - XX/XX/2023
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (PA)

I have received an updated copy of my credit report today and Im just disappointed to see the same unfamiliar accounts entered on my file. It seems that someone has been using my identity without my knowledge and I believe that I have raised this concern from your department before and until now I haven't received any correspondence from your end.

Please be advised that I never authorized anyone to make any changes or furnish inaccurate details on my credit report. I dont want to tolerate any fraudulent actions or activities like this as it may harm my reputation as a consumer. I want you to immediately remove these unidentified accounts from the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate receiving another updated copy of my credit report without these unfamiliar accounts from my files.
Consumer complaint received 2024-03-13
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have received an updated copy of my credit report today and Im just disappointed to see the same unfamiliar accounts entered on my file. It seems that someone has been using my identity without my knowledge and I believe that I have raised this concern from your department before and until now I haven't received any correspondence from your end.

Please be advised that I never authorized anyone to make any changes or furnish inaccurate details on my credit report. I dont want to tolerate any fraudulent actions or activities like this as it may harm my reputation as a consumer. I want you to immediately remove these unidentified accounts from the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would appreciate receiving another updated copy of my credit report without these unfamiliar accounts from my files.
Consumer complaint received 2018-05-05
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: Atlanticus Services Corporation (TX)

cra violation XXXX, XXXX and XXXX in violation of my rights took off a inaccurate loan then put it back on my credit .... cra violation .. Notify the company with ftc and po report sent to all parties involved ....
Consumer complaint received 2023-04-24
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. (KY)

In accordance with the Fair Credit Reporting act XXXX account 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged multiple overdraft fees during my years with Bank of America and Im sure theres history in my bank account to verify those fees. There were consecutive feed charged for the same transaction. At times they would charge for one transaction 3x for three days overdraft ( {$35.00} each time ) and this happened multiple times for me. Please go through my banking history and you will see. I believe I am owed repayment for those fees. Also I lost my check that was also paid out from cfpb that was around {$19.00} dollars and something cents. Please check and resend another check. Thank you.
Consumer complaint received 2024-03-13
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. (MD)

Requesting the removal of the inaccurate reporting on all 3 credit bureaus, the last reported payment was ( XX/XX/23 ), but also has no payment history on the account. It also has a 30 day collection remark in XXXX but a good rating remark in XXXX, the remarks are numerically invalid with no accurate record of payments. Making it difficult to obtain housing to avoid homelessness. This messes up two things, first, this error does not indicate when the account was actually charged off. Second, this error manipulates the status of the account itself. They were never given permission to furnish such, first delinquency and this is causing great stress being reported. XXXX XXXX has violated ( 15 USC 1681s-2b ) of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies. They failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too. I am demanding deletion from my consumer report or else. Im going to pursue litigation.
Consumer complaint received 2024-03-13
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-03-08
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: Medical Data Systems, Inc. (GA)

Medical Data System has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between Medical Data System, XXXX, XXXX, and XXXX. This is Infringement to my Privacy. I recently disputed Medical Data System because laws were broken in regards to my privacy. Medical Data System, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.