davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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: Rent Recovery Solutions (TX)

I did not give RENT RECOVERY the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

RENT RECOVERY is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give RENT RECOVERY permission which is another violation.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with RENT RECOVERY.

USC 1692b states that any debt collector is not to state that such consumer owes any debt, I have a letter from rent recovery stating that owe a debt to them. 
My complaint is also with three bureaus XXXX, XXXX and XXXX who are allowing RENT RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX, XXXX, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Consumer complaint received 2024-04-03
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In proper use of my credit reporting 1. 15 usc 1681 section 6028 states I have the right to privacy. 2. 15 usc 1681 section 604 section 2 I also state a consumer reporting agency can not furnish your account without out my written permission. 3. In accordance with the fair credit report act XXXX account number has violate my rights.
Consumer complaint received 2023-09-04
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Below are the following accounts have been disputed XXXX times due to identity theft. 

National Credit Systems, Acct # XXXX {$2300.00} XXXX XXXX Credit Systems Acct # XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX {$790.00}
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, 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. (GA)

I believe my personal information was breached and I noticed an inquiry on my credit profile and asked Transunion to delete it but the inquiry is still on my credit profile. Please delete this fraudulent inquiry from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Accounts Service Team Inc. (TN)

On Wednesday XX/XX/XXXX I reached out to the collection company explaining the amount is incorrect and I have email proof stating the correct amount of {$420.00}. The lady asked me to send her the email screenshots to her for proof. I have not heard back from the collection company. The manager, XXXX, from XXXX XXXX XXXX hung the phone up in my face when I told her I had the proof of the correct amount and to please help. Our XXXX XXXX XXXX rental lease ended the end of XX/XX/XXXX. We moved out the house before the end of XX/XX/XXXX. We were told we could but our keys in XXXX 's drop box and a house inspection would take place the first week of XXXX. The walk through house inspection happened on XX/XX/XXXX at XXXX and we received the email stating XXXX XXXX kept our {$1800.00} deposit and the remaining balance of {$420.00} was due to cover cleaning and bushes removal. 
It was been a very stressful journey trying the get the amount corrected. The collection company has not been helpful and the lady I spoke with was very rude and did not reach back to me regarding the correcting.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I signed up for auto-pay on my credit card on XX/XX/21 and the card company said the first auto-pay would be processed on XX/XX/21, the due date of my most recent bill. On XX/XX/21 my payment was not processed and the card company charged me a late fee and interest. Once I noticed the auto-pay was not processed I immediately made my payment manually. I've asked them to credit the fee and interest back to my card but they have refused. I should not be liable for additional fees just because they're auto-pay feature does not work correctly. This is also the second time I singed up for auto-pay with them. Neither time they have taken the payment on the correct date.
Consumer complaint received 2024-09-23
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. (NY)

To whom it may concern, I want to dispute an inaccurate, untrue, incomplete, untimely, non-compliant, and possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or elsewise compliant to every single one even each any of the regulations applicable laws, and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one requires immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now, and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2023 This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry. 

XXXX XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - It is imperative that you immediately remove this inaccurate data from my credit report. By the Fair Credit Reporting Act, it is mandated that all users must possess a permissible purpose as stipulated by the act to obtain access to a credit report. I kindly request the removal of this particular inquiry from my credit file, unless you can furnish me with appropriate documentation demonstrating your permissible purpose for conducting such an inquiry.
Consumer complaint received 2023-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I was paid ahead on my mortgage due to bi-weely payments. I was about to have a reduction in my child support so I called Wells Fargo to seek a loan modification on my mortgage, thinking the possible reduction in my mortgage would make my finances easier to manage. I was instucted at that time to stop paying my mortgage and fall three months behind because that was the only way I could apply for a loan modifcation. Once I fell three months behind, which took about six months because I was paid ahead, I reached out to WF bank and they took an application for a loan modification. They kept requesting the same documents over and over and strung the process out even though I was being assisted by a loan modification agency on XXXX XXXX XXXX XXXX XXXX. We did everything they asked us to and sent all documents. Wells Fargo and the assting agency assured me that as long as I was in loan modification status my home could not be foreclosed on. They never approved my loan modification and continuously requested documents previously submitted multiple times by the agency and myself that were sent to them. A friend called me one day and informed me my home was on a foreclosure list. When I called WF to inquire about the foreclosure info they assured me I was not. But then the letters started to come from their attorney and the harrassment began. WF denied that the foreclosure process was valid. They instructed me to ignore the letters from the attorney as they had me in loan modification status and I was fine. But the letters kept coming and they reported they would reach out to the attorney and they had the final say over all foreclosures. Through the process of the foreclosure it was discovered that Wells Fargo was only my loan servicer and NOT my lender, when asked to reveal the lender, they could not and on 3 seperate occasions provided 3 different alleged lenders to include a warehouse but Never themselves. When I requested to have the courts review my note, WF attorney said they had it in a vault in their office. I asked the judge to make them present it to see who I owed and she did not. I later found forged documents in my paperwork and robo signed documents by XXXX XXXXXXXX  In spite of all of this being clearly brought to the judges attention she ( XXXX XXXX, XXXX XXXX XXXX  allowed my loan servicer to take my {$120000.00} home with no loss to them ever being verified. As a result my family and I ended up homeless. I had lived in my home for 20 plus years at the time, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX, FORECLOSED and evicted by sherriff 's office ( beginning XXXX - XXXX XXXX ) When we went to the sherriff 's office to try to make them aware it was an illegal foreclosure and to get paprework stamped the sherriff made us wait a long time, came out and kept his hand on his weapon the whole conversation eventhough we wer orderly and civil.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Fraudulent information appeared on my Experian, XXXX, and XXXX credit report due to fraud. I disputed the inaccurate information to Experian, XXXX, and XXXX. Experian, XXXX, and XXXX verified that some of the fraudulent information belonged to me and continues to report inaccurate information on my credit report.
Consumer complaint received 2023-06-18
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. (PA)

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 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 Any other adverse information, other then records of convictions of crimes which antedates the report by more then 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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

" RE : XXXX '' Yesterday I emailed Experian to let them know that twice now, I have been provided with a report that is more than a year old. It is not a current nor accurate report. First I requested my free annual report, that was dated XXXX of XXXX. Then I signed up to receive all three credit reports for a dollar. A second time I was provided the same inaccurate and out of date report. I have reported it to Experian, and have received the same vague and irrelevant response from multiple agents. Responding back to an agent has only gotten me the same vague and irrelevant responses three times now. Including an email that states my membership was cancelled on XX/XX/XXXX with creditworks, which I find odd because that is not the name of the company I originally signed up with. It was something like " XXXX.XXXX  ''. 

In addition to the irrelevant responses from experian, the company I signed up with in order to receive all three credit reports for a dollar, took me to experience website to sign in. There was no confirmation email, nor any instructions on how to cancel a membership that would charge me again in 7 days. Now I have a XXXX, my XXXX XXXX is through the roof, and my XXXX  is getting the best of me. I fear that this company will attempt to charge me again for irrelevant and outdated information, for which there is apparently no remedy. I believe they have violated my rights according to 15 USC 1692e, 15 USC 1692f, 15 USC 1602, & 15 USC 1681n.
Consumer complaint received 2021-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IA)

Fed Loan Serving has been calculating my qualifying payments that count towards Student Loan Forgiveness. There are a number of loans that state that I have made 94 or 95 qualifying payments, but there also a number of loans that state I have only made 83 qualifying payments. 

When I inquired about this discrepancy, Fed Loan Serving told me that " XX/XX/XXXX through XX/XX/XXXX you were under an Extended Fixed Repayment plan which is not qualifying for Public Service Loan Forgiveness. XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX were all under several periods of forbearance and are not eligible for Loan Forgiveness. '' I believe I have always been on the same repayment plan for all of my loans. I do not recall being on forbearance ( although my servicer was switched from XXXX XXXX in XXXX so I do not have records prior to XXXX ). 

I think the only difference is that I did pay ahead on some of my loans in XXXX and then continued to make monthly payments when I technically did not owe a monthly payment. However, I would like credit for these monthly payments because I was continuing to pay even when I didn't have to. It does not make sense to not give me credit for monthly payments because that is additional money that the federal government will not have to eventually forgive. I just want credit for each month that I made a payment.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

End of XX/XX/2023 and early XX/XX/2023 I had many credit inqueries. Just recently I noticed many credit card denial and approval letters get delivered to my physical address. The letters were specific to credit cards and one home equity loan. Of the 6-8 letters I received ( including ones from Walmart credit card, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX ), all were denied but 2 credit cards. I've contacted XXXX XXXX XXXX and they have instructed me to freeze my credit accounts and notify you all regarding the breach in my identity. I have a long list of actions remaining but hoping your awareness will help contain the issue. Please advise on any actions you require of me. Thank you!
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (GA)

I sent a certified letter notifying XXXX XXXX ( XXXX location ) of my intent to cancel my membership on XXXX. It was signed as received on XXXX. I did have one month balance owed at the time, which was paid online immediately. 
Since that time, they have not cancelled my membership, and continue to email me and call using an auto dial system every day. They continue to add charges they want money for. 
I have spoken with ABC solutions ( their management company ) on two occasions, the latest on XXXX, and they say they don't have the ability to cancel the membership but that they'll contact the club owner.
Consumer complaint received 2022-11-10
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. (FL)

I am submitting this CFPB to request to you to remove the late payments on the account 's payment history. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. Please correct the account : TransUnion : XXXX XXXX XXXX XXXX XXXX : {$8300.00}
Consumer complaint received 2022-11-10
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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