davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (FL)

THIS COMPANY IS SAYING I OWE THIS DEBT BUT HAS NOT PROVIDED ANY VALIDATED PROOF TO CONFIRM THIS. I HAVE ASKED 3 TIMES ALREADY TO PROVIDE THE PROOF TO ME SO I CAN GET MORE DETAILS AND INFOMATION BUT THEY HAVE NOT PROVIDED IT AND HAS NOT RESPONDED TO ME AT ALL. CURRENTLY IT HAS BEEN OVER 30 DAYS. UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) THEY HAVE YET TO PROVIDE ANY VALIDATION NOT VERIFICATION BUT VALIDATION TO CONFIRM DEBT THAT IS OWED.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I received a notice from XXXX XXXX that a new debt collection was added to my account in XX/XX/XXXX. I immediately attempted to dispute the debt via XXXX. Due to the frequency of disputes from identity theft, XXXX will not allow me to dispute incidents online. I called XXXX and the dispute was submitted over the phone, but I was not allowed to attach documents ( see documents attached here ). Genesis Credit Management " confirmed '' the debt. Note that XXXX does not have my contact information and has never notified me of the debt directly. Next, I contacted XXXX XXXX at XXXX XXXXXXXX XXXX  XXXX XXXX, TX, the location of the fraudulent rental. The office staff requested my information via email ( XX/XX/XXXX ). I have not heard back. I followed up with XXXX XXXX via email on XX/XX/XXXX. 

I filed with FTC.Gov on XX/XX/XXXX and have attached that report which summarizes all incidents since XX/XX/XXXX. 

This is the sixth event in a series of identity theft related incidents, all involving apartment rentals in XXXX XXXX, TX. The individual also submitted a tax return under my name for XXXX. I have a copy of the fraudlent license and I testified in court as a witness against the individual who stole my identity ( XXXX XXXX Case # XXXX ). I filed a police report for identity theft as well ( XXXX XXXX XXXX # XXXX ).
Consumer complaint received 2022-10-17
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. (AZ)

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXX : # XXXX  XXXX, XXXX XXXX  : # XXXX  XXXX, XXXX XXXX XXXX XXXX  : # XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notification, please provide the certified mail letter with the return receipt with my signature on it proving I received it. If you can not provide this information then you are in violation of the fair debt collections act and must remove this charge off/collection from my account immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, I opted out of XXXX XXXX, XXXX, and XXXX reporting because TransUnion, XXXX, and XXXX keep inaccurately reporting that I have a bankruptcy on my credit report. This is causing me emotional distress and it is blocking me from getting funding for my business and finding housing. 

TransUnion keeps saying that they verified the information, telling me that SOME SOURCE ( will not tell me who ) is still reporting that I have a bankruptcy even though I opted out of them and what they are reporting is not accurate. 

I have a letter from the MA bankruptcy court that they do not release that information so there is no way for any reporting agency to verify this. 

In XX/XX/XXXX I requested to be opted out of XXXX XXXX, XXXX, and XXXX In XX/XX/XXXX I got a letter from the MA bankruptcy court that they do not release this information ( therefor it is impossible to verify as accurate ) in addition to me requesting that XXXX XXXX not share my information. 
In XXXX XXXX I sent letters to TransUnion, XXXX, and XXXX to remove my bankruptcy since they can not verify it On XX/XX/XXXX TransUnion revealed an investigation dispute that they verified a bankruptcy on my credit report as accurate, but they will not tell me who they got this information from and I opted out of all reporting agencies back in XXXX.
Consumer complaint received 2023-09-05
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. (IN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (IL)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (FL)

After my home mortgage was secured through XXXX XXXX, Amerihome mortgage purchased my loan. Since the purchase AmeriHome has not processed my payments in a timely manner. Since XXXX of XXXX, the time they processed my checks were delayed later and later until I received a late fee. The payment for XXXX was not processed until XX/XX/XXXX and the payment for XXXX was never processed even though I delivered proof that both payments were sent days prior to the start of each month so that the payments would be delivered on the XXXX of each month. I never received a phone call, email or any other correspondence outside that the initial email with the supporting documents were received. Their reasoning was that the mail was late delivering the payments, however the mail does not take 6 weeks to deliver an envelope and then the next month completely lose the payment altogether. The company is trying to assess a {$60.00} plus dollar late fee for their inability to track and process mail delivered to their address. After paying the missing payments to a representative on the phone on XX/XX/XXXX, Amerihome Mortgage then processed the check for XXXX payment on the same day resulting in 3 months worth of payments being process on the same day. All this after stating they never received the payment for XXXX.
Consumer complaint received 2022-10-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-07-20
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TOYOTA MOTOR CREDIT CORPORATION (MO)

Toyota Motor Credit is in violation of the Fair Credit Reporting Act. 15 USC 1681a ( 2 ) ( 1 ), the term " consumer report '' does not include any report containing information solely as to payment history or utilization between the individual and the company making the report.
Consumer complaint received 2023-11-10
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # ending in XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (OK)

Someone fraudulently applied for credit cards with Wells Fargo XXXX and XXXX XXXX with my personal information and work address without my knowledge. Thankfully the applications were denied, and the merchants did report the accounts and fraudulent.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Sent in notices about inaccuracy of my credit file in XXXX and XXXX of 2022. Last correspondence was sent via USPS and is attached to this complaint.
Consumer complaint received 2024-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX XXXX  XX/XX/year> I received an email stating that there was an over draft fee for XXXX ( my business ) but the account number noted was for my personal account ending in XXXX. 
A few minutes later i receive another email that stated i had another over draft fee for the same account but this time in the client section if had my name instead of the business name. At that point i login into my account to find that Truist has performed a force pay memo. 
XX/XX/year> : I placed a call to Truist at XXXX. I poke with a XXXX by the name of XXXX. My question to XXXX was when did my personal account get linked with my business account. Per the XXXX, she could not answer that because there wasnt a notation indicating when, why or who authorized this. Per XXXX when a request as such occurs they are required to make a notation. I politely thanked her for help and disconnected the call. 
XX/XX/year> : I then Placed a call to Truist account recovery department at XXXX. 
I spoke with a XXXX who indicated that she could not provide me with the details of my contract nor could she provide me with a copy of my signature agreeing to then recovering money for my personal account to cover fees/charges for my business account. 
I then requested information regarding the account ( Account number/Status/If they owned the account ). I was told that they sold the account to XXXX XXXX XXXX and they were collecting money for them. I then asked if Truist no longer owned account how do they have the right to collect on it for some one else. 
In summation. Truist has sold the account ( an account they cant provide any information on ) and now stealing from my personal account to recover money for XXXX count they do not own and not able to provide me any information it.
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (CA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (IL)

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per XXXX XXXX, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Consumer complaint received 2023-11-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I have tried to use this card three times at XXXX and once at XXXX. On all four occasions, American Express has declined the transactions. All purchases I have attempted to make have been equal to or less than {$75.00}. When I chatted with an XXXX rep, they said that it is an error with the card issuer as American Express declined the transactions. I have tried to contact american express via the number on the card ; however, it is only a recorded line with no option to speak with staff.
Consumer complaint received 2023-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (VA)

I have been paying this car loan off for the pass two years and my loan balance is still pretty much what it was when I purchased this vehicle. No matter how early I pay this loan amount is not changing. Right now it states XXXX balance for a XXXX XXXXXXXX this is identical to the same price it was over a year ago and I pay XXXX a month. This can not be legal. The name of the company is flagship and this is predatory. I can not even sell this car to a company that buys financed cars because they stated this vehicle is not worth anything close to this when I purchased this vehicle it was for XXXX dollars. This car loan is not going down and I need to get out of this deal I have gave them all together well over XXXX grand and have not put a dent in this car loan. There is no way this company is using a legal practice for this car loan. Then when I asked the pay off amount if it was paid early its the same exact price thats left meaning the interest that would be for the future is automatically charged. I feel as if I was scammed into this contract when I was in need. I have a XXXX credit score please help me this is not ok.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

A fake email from XXXX was sent to me saying I need to authorize in order to receive the money. Instead of receiving the money and selling the tickets I was scammed and taken {$300.00} from me. Chase bank did say it was a scam but they were not able to give me my money back. That person is out there scamming people and taking so much money. He cant get away with it.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (OH)

Home Depot Project Loan card received on XXXX via mail. Called home depot number provided. Card has {$9900.00} charge on it already, per automated system. Got forwarded to GreenSky ( loan holder ). XXXX was contact name at GreenSky. I reported fraud and canceled the account. XXXX sent me an affidavit to fill out to start investigation. 

Also checked XXXX XXXX to report the card as fraud to XXXX. Card shows {$18000.00} dollars spent on that app. 

Also received mail from XXXX XXXX XXXX XXXX XXXX regarding failed credit application. Attempted to call number, but no one in office on a Saturday.
Consumer complaint received 2023-03-03
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. (KY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX