davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I paid my capital one loan off on time, in full and a year prior to the maturity date. I recieved a loan payoff letter in XX/XX/year>. I then received a charge off letter from capital one in XX/XX/year> saying I had a balance due of {$300.00} some dollars.. I called capital one and quickly paid this despite the error on their side telling me about this month 's later and then not offering me the timely option to pay it. Capital one then reported to my credit that this was a charge off and still reports the account as having a balance. The charge off status is completely wrong as I paid this in full and on time. They blame the problem on an accounting error between my previous bank and there own but have never fixed the status on my credit.
Consumer complaint received 2023-09-07
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-12-30
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-09-06
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. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-09-06
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. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (FL)

American express is reporting inaccurate information on my report and have shared this information to an employer without my consent. They have removed these accounts from XXXX however have not removed it from XXXX and XXXX which is a violation.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently got a new copy of my consumer report and I noticed some accounts with inaccuracies so I would like validation for these alleged debts. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. '' so I need to be sure the alleged debts on my consumer report are validated.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Harpeth Financial Services, LLC (TX)

I had received letters in mail from some collection agency in the past couple of years that I thought were fraudulent and did not respond to except for the last one a few months ago. I tried to call the number on the letter and got a different company. Seems like it was an energy company and not the company on the letter. I have never requested a personal loan from Advanced Financial XXXX for {$300.00} or any other amount and decided it was a scam trying to get me to pay to get rid of them. I don't have any debt and pay my credit cards off monthly. 
Recently, XXXX XXXX XXXX put a negative comment in my credit report that I did not pay this debt, which was {$910.00} with fees and interest. It dropped my credit rating from the lower XXXX range to upper XXXX range. I assume they bought the debt or somehow ended up as a collector for Advanced Financial. Bounce AI was contacted on XXXX and XXXX and told I was disputing the debt. They said they would put it in dispute and send information to my email address within XXXX hours but it was not received as of today ( I checked XXXX also ). 
I contacted XXXX today to start a dispute and they had me start a fraud dispute with XXXX which directed me to you.
Consumer complaint received 2023-09-06
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. (MI)

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.

has violated my rights. Or list of inquiries 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 2024-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

On XXXX XXXX 2024, I wired {$20000.00} to an account in XXXX, XXXX. There was some confusion with the account being international and the transfer was remitted in local XXXX dollars. The Bank of New York Mellon was the intermediary bank. The money was wired through my personal bank XXXX. The bank of New York Mellon took {$720.00} because the money had to be returned to me. As a military member I have never experienced such blatant robbery. There was any drastic change in the foreign exchange rate between USD and XXXX dollars. 
The Bank of New York Mellon took my money without any explanation.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

so back in XXXX i bought a vehicle with us auto sales and in XXXX they sold the company to west lake portfolio and now its as if my auto loan started over and im being charged XXXX for a used hyumdai tuscan XXXX this car is not worth that amount
Consumer complaint received 2023-09-06
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. (ME)

In according with the fair Credit Reporting Act Convergent Account : 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 furbish an account without my written instructions.
Consumer complaint received 2023-07-12
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. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-12-13
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. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times.

I demand the accounts listed below remove because According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MS)

I have conducted business with Tower Loan for years with no problem. When my husband became ill I had to quit my job and stay home with him. I took a huge pay cut when I did return to work and I got behind on my bills and thought I was making a good choice by doing a debt reduction through Beyond Finance. It was a huge mistake but I've too far In to change. Tower Loan refused to participate and I tried to keep up with the monthly payments. This company harassed me for months. They came to my home and left letters open so anyone could see my business. They spoke to 3rd parties about my account. XXXX weeks ago I sent them a partial payment with letter stating it was all I could pay. On Wednesday I was served papers dated XX/XX/XXXX swing me adding XXXX XXXX attorney fees. No warning no certified letter nothing. This company has no regard for their customers safety or privacy. I want to counter sue for harassment and invasion of privacy. Please advise on steps to take.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Can you verify the paperwork? Several of the mentioned accounts contain inaccuracies concerning reporting, amounts, and dates.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish the account account without my written instructions. Under 15 USC 1666-B a creditor may not treat the payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am writing to seek assistance with a pressing issue regarding errors on my credit reports, as well as multiple accounts that have been reported to credit bureaus without my recognition or consent. Despite my best efforts to resolve these discrepancies, there has been no change to my credit reports, and I urgently require these inaccuracies to be expunged from my records. I am also in need of assistance with disputing these accounts with the individual companies involved. 

The details of the situation are as follows : XXXX XXXX- {$14000.00} ( Fraudulent Account ) : This account was opened fraudulently, and I have no association with it. It has been erroneously reported on my credit report, negatively impacting my credit score. 
XXXX XXXX XXXX - {$3000.00} ( Fraudulent Account ) : Similar to the previous account, this one was also opened fraudulently, and I have no knowledge or involvement with it. It has been inaccurately reported on my credit report. 
XXXX XXXX XXXX - {$5000.00} ( Fraudulent Account ) : This account, like the others, was opened fraudulently, and I have no affiliation with it. It is adversely affecting my credit profile without justification. 
XXXX XXXX - {$3800.00} ( Fraudulent Account ) : This account was opened fraudulently, and I am not the account holder. It has been inaccurately reported on my credit report, causing unwarranted damage to my credit history. 
XXXX XXXX XXXX - {$4900.00} ( Account Overdrawn due to Hacking ) : This account reflects an overdraft due to my account being hacked, leading to unauthorized transactions. I have already taken steps to address this issue with my bank, and it should not negatively impact my credit report. 
XXXX XXXX - {$5900.00} ( Paid in Full ) : This account was paid in full, and I have documentation to verify the payment. However, it is not accurately reflecting the resolved status on my credit report. 
I have made diligent efforts to dispute these errors with the credit reporting agencies, but regrettably, there has been no correction or resolution. Therefore, I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these inaccuracies and expunging the fraudulent accounts from my credit reports. 

Additionally, I seek guidance on the process for formally disputing these accounts with each of the individual companies involved. It is my hope that with the CFPB 's intervention, these discrepancies can be rectified promptly, and my credit reports can accurately reflect my financial history.

I understand that personal information may be required for the companies to identify me and my accounts during the dispute process. Please let me know if and when this information is needed, and I will provide it promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving these credit report discrepancies and disputes.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (AR)

Multiple emails, phone calls are unanswered. Their chat option doesnt work, they never call you back, which I NEED because they gave me information saying I qualified for a loan extension, but that Lon extension form they told me I qualify for is not available. I cant get ahold for anyone in over a month.
Consumer complaint received 2023-09-07
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. (FL)

Subject : Formal Complaint of Consumer Rights Violation under the Family Educational Rights and Privacy Act ( FERPA ) and Relevant Federal Regulations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian, XXXX and XXXX regarding the violation of my consumer rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 USC 1232g ( b ) which protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school., and other pertinent federal regulations. I believe my rights have been violated in the following ways : XXXX. Reporting of Charged Off Closed Account as Income : Experian, XXXX and XXXX has continued to report a charged-off closed account on my credit report. This account is considered income according to IRS publication [ Specify IRS Publication ]. Reporting income on a credit profile is illegal and a clear violation of FERPA. 
XXXX. Reporting Collections on Sold Accounts : Experian, XXXX and XXXX is reporting collections on accounts that have been sold to third-party companies with whom I have no contractual relationship. This is in direct violation of my consumer rights, as the original creditor has transferred the debt, and I should not be held responsible for a debt with which I have no agreement. 
XXXX. Reporting of Late Payments in Violation of 15 USC 1666B : Experian, XXXX and XXXX has also reported late payments on my credit profile, which is a violation of 15 USC 1666B. This law protects consumers from unfair credit reporting practices, and reporting late payments inaccurately damages my creditworthiness. 
XXXX. Failure to Provide Opt-Out Options : None of the financial institutions or credit reporting agencies, including [ Name of Credit Reporting Agency ] XXXX have provided me with my opt-out options as required by 15 U.S.C. 6802 and 12 CFR 1016.1. This omission has deprived me of my right to control the sharing of my personal information. 
I have taken the necessary steps to resolve these issues with Experian, XXXX and XXXX directly, but my efforts have been unsuccessful, and the violations persist. As a result, I kindly request the Consumer Financial Protection Bureau 's assistance in investigating and rectifying these violations of my consumer rights. 
I have attached relevant documentation supporting my claims, including copies of credit reports, correspondence with Experian, XXXX and XXXX and any other pertinent records. 
I understand that the Consumer Financial Protection Bureau is responsible for addressing and resolving consumer complaints related to violations of federal consumer protection laws, and I look forward to your prompt attention to this matter. 
Thank you for your assistance in addressing these violations of my consumer rights. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

I never received my security back from the landlord. He said I needed to pay for the carpet, even though water from his leaky windows caused the carpet damage. I notified the landlord in the very beginning. I was one person in an apartment for 8 months there was no way I am paying for a new carpet. I went back and forth for many months with the landlord. I have proof of the leaking windows which they admit but still say I owe for the carpet. They claim an illegal debt and this company buys it from them. Whole thing is a scam. I have no contract with this debt collector. 


COLUMBIA DEBT RECOVERY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST XX/XX/XXXX XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX Original Balance : {$290.00} Current Principal : {$290.00} Interest Due : {$5.00} Total Due : {$300.00} XXXX XXXX XXXX In reference to your recent request, please find enclosed validation of debt with XXXX XXXX XXXXXXXX XXXX Should you have any further questions, please contact the undersigned below or you may email documentation to XXXX for review. 

Sincerely, COLUMBIA DEBT RECOVERY XXXX DXXXX XXXX ( XXXX ) XXXX This is an attempt to collect a debt. Any information will be used for that purpose. As of the date of this letter you owe the amount stated above. Your account bears interest at XXXX percent per annum. Because interest and other charges vary from day to day, please contact us to learn the exact amount you owe as of the date of your payment. 

Note : To remove your email from the contact list, please reply Stop. 
...
Consumer complaint received 2024-07-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Village Capital & Investment LLC (CA)

Village Capital stopped taking late payments, and said we had to pay for the missed months altogether. I got a {$9000.00} personal loan to pay them off, but they have not called us back for going on a month now so that we can make the payment. We call multiple times a week, and sometimes multiple times per day, and get put on hold for hours at a time, and then get disconnected. We also have selected the call back option, and they have never called us back. I sent an email last week, and they have not gotten back to me that way either. They are literally forcing us to not make payments, and therefore forcing us into foreclosure. We are not able to make payments online, or directly to them, and we are afraid. My XXXX has increased because of it. I don't want to lose my home. I have XXXX kids, and a XXXX, XXXX  mother. Now, because they have failed to call us back, they are going to require XXXX 's payment in full too, but we won't have that until next week, and they will refuse to take payment even if we are trying to make payment before it's even considered late.