davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

I do not have written correspondence from this collector, nor notice from them regarding this matter. 

Amount Due In Question - I received more than XXXX different amounts, when contacted by the creditor, about an amount being due, which also differ from the {$320.00} which was reported by the collection agency. 
- Ledgers provided from creditor include handwritten entries and charges which were added after the date of my move out Prior to this becoming a debt, several attempts were made in XXXX to resolve with the creditor including : -Email to property manager inquiring of security deposit refund -13 calls made to property and billing department which were unanswered and unreturned. 


Attempted Resolution With Creditor ( Prior to Debt ) Amounts owed and outstanding were to be sent via mail to the forwarding address which was provided to Creditor. Per the lease agreement, this would occur within 30 days upon move-out ( my move out date was XX/XX/XXXX ). Upon move-out, the property signed my move out forms, and I was not aware or notified of any balances being due. 

I had not received correspondence of balances due, nor did I receive my refunded security deposit. Because of this, I reached out to the Creditor directly via email ( first email sent XX/XX/XXXX and no response ) and multiple calls. I did not receive a response on any of these attempts. 
Communication regarding any outstanding amount was not received until almost 2 months later. This included amounts that were charged to my account after the date of my move-out. 

After several attempts to resolve, I contacted an attorney ( XX/XX/XXXX ) who further advised that this was a landlord-tenant issue, and that Creditor was in violation of the lease agreement. 

Had I been notified of past due amounts- whether upon move out or within the 30 days of moveout - I would have immediately paid this amount. 

It was not until I reviewed a change in my credit report that I had knowledge of this being submitted as a debt, or that the debt was with the Collection Agency reporting it.

This has not only negatively impacted my credit score, but also has halted my husband and my plans to submit loan applications in the near future. In neither case did XXXX nor this Collector provide me with proper forms of notice. I feel it would be very unfortunate for any consumer to be penalized for a business negligence. Not only was I persistent in attempts to resolve this prior to being submitted as a debt, but I have no written correspondence from this Collector. I make every effort I can to pay my accounts on time, and have done so consistently because keeping my credit in good standing is extremely important to me.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX insists on reporting information they know is false despite multiple requests. Trans Union and XXXX report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (KS)

on XX/XX/23 i invoiced my employer via square for the amount of {$3700.00} On XX/XX/23 the amount was paid in full I was promised the money would transfer to my bank account on XX/XX/23 On XX/XX/23 square asked me to complete some security questions on XX/XX/23 square rejected my responses XX/XX/23 i attempted to provide more information XX/XX/23 i called square and was told by a representative that i needed to provide my XXXX and drivers license and after that i would receive my money. 
XX/XX/23 my account was deactivated and i was told my funds would be held until XXXX XX/XX/23 i called square again and i was informed they didn't have any information for me and they wouldnt help me. i must wait for my LIVELIHOOD until XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (LA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late the entirety of the Freedom Mortgage loan. I've attached a copy of my report to this complaint on the following date XXXX XXXX. I am now requesting you to investigate and provide variable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated and paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX IS ABUSIVELY CONTINUING TO REPORT INACCURATE PERSONAL INFORMATION Despite more than 12 disputes and proof of identification for the last 24 months, Equifax again has yet added a fraudulent address and account to my credit report. And refuses to fix. 
My name is XXXX XXXX. I am attaching my XXXX XXXX  Card and State Drivers License for verification purposes. 
My legal, residential and complete physical address is : XXXX XXXX XXXX XXXX, XXXX FL XXXX. All other addresses are fraudulent and do not belong to me, THEY MUST BE REMOVED IMMEDIATELY per FCRA.
Consumer complaint received 2022-06-05
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. (DC)

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-06-05
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. (DC)

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2019-08-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

We have been trying to get a loan modification with our VA loan for over 8 months. 

Carrington just keeps sending letters asking for the same thing over and over and over again. We get letters that say our review is closed out and then another asking for documents.

We are also trying to work with Carrington through our housing counselor and mediation but no one from Carrington seems to care. 

It seems like a game they are playing with my family. 

We can afford to pay our mortgage. Our finances have really stabilized. 

We sent a lot of new documents today. 

Carrington already has from previous submissions since XX/XX/XXXX over 7 months : Numerous Letters of explanations for deposits, amounts & differing from statements VA award letter and proof XX/XX/XXXX, XX/XX/XXXX Child support order proof has been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Paystubs have been submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank statements have been submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Numerous closed review letters have been sent. Not one time has the beneficiary responded when questioned why the review keeps being closed out. 
Closed review XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I started receiving amounts taken out of my debit card debit card for {$24.00} for services for TransUnion credit I've never subscribed to TransUnion I already have XXXX I wouldn't need them don't need them I think my ex-roommates might have set this up somehow I recently moved from there but I can't get any help with them taking this amount out of my account stop taking the money out of my account getting the money that they did take back and every time I call every time I talk to somebody they just sit there on the phone and nothing never comes of it nothing and I talk into the phone nobody talks back I've given him my social security card number my credit card number that was charged everything so many times and I can't get this resolved and I need to get it resolved please I want my money back that they took out of my account and I want nothing to do with them. I never did subscribe to them
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SUNCOAST CREDIT UNION (WI)

A XXXX  / debit card was fraudulently opened in my name with a {$25.00} deposit to open the account on XX/XX/XXXX at Suncoast credit union. I filed a police report with XXXX XXXX XXXX and both called the company to get them to send us a fraud letter showing the account is closed and to disclose more information about how the account was opened. The email used was XXXX email. I also contacted gmail and let them know the email is fraudulent. The company has not sent the letter despite two calls from me and it's been over 10 days. Last spoke with XXXX XXXX on XX/XX/XXXX. I simply want all the information about who opened this account, how the money was transferred in and a letter stating the account is closed.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act Account Name XXXX XXXX XXXX Account # XXXX 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 written instructions.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XXXX, a handle named XXXX XXXX with a Cashapp handle of $ XXXX XXXX. He claims to be from XXXX. He asked for my XXXX information and has my phone number. He videocalled me to " confirm '' his identity with me. Shortly after contacting you, he wanted you to know him and his story on an extremely specific and personal level. He will be an orphaned XXXX years old teenager with multiple siblings and both dead parents. If you look carefully between photos, these children will not be of the same number/age/gender between photos if you look far and wide enough between them. He partially guilt tripped me by begging and quoting Biblical scripture. He claimed to have but very little/no other relatives. And that hes looking out for his brothers. He will not have enough money for food.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

i XXXX XXXX am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (PA)

Mailed dispute to Experian on XXXX. Requested Experian dispute for unauthorized inquiries that are in my file. 
As of today, have not received any correspondence from Experian.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau : I am contacting you because I understand that the Consumer Financial Protection Bureau helps consumers by providing educational materials and accepting complaints, and that your bureau supervise banks, lending institutions, and large non-bank entities, such as credit reporting agencies and debt collection companies. I submitted a request to Transunion on XX/XX/2022 showing that there are incorrect information being reported on my credit profile. I requested that they validate the inaccurate inquires on my credit report with the companies as I demand to see verifiable proof of any original documentation associated with these inaccurate inquires accounts bearing my wet-ink signature, authorizing an inquiry. I sent XXXX a certified letter letting them know that the info was incorrect and it has been well over 45 days and I have not gotten response as of today XX/XX/2022. 



The Fair Credit Reporting Laws are in place to ensure that bureaus only report 100 % accurate credit information therefore the below inquires needed to be investigated. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. Also according to Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to physical verify the original signed consumer contract, any and all accounts that you post on your credit bureaus credit report. I am respectfully requesting that the Consumer Financial Protection Bureau assist me with having these fraudulent inquiries accounts removed from my credit report as they have hurt my ability to obtain credit. Under the FCRA, I also requested that if XXXX was unable to provide me a copy of verifiable proof, that they must remove the inaccurate inquires accounts from my credit report. In closing, I would like to thank you for taking time out of your busy schedule to review my request! 



Please let me know the outcome of this request. 



Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (LA)

I received XXXX statements in the month of XXXX when I called to inquire about the statements I was told I couldn't get any information due to my status pending in their system with my bankruptcy. So from I tried to if I could speak with someone in the department who handles those accounts still nothing, from this point in I received a call stating I was late on my mortgage which I known I had been making my monthly payments on time. When I asked about my XXXX payment no one could give any information. So now I'm in the XXXX and now being put in the credit for something that was not my fault.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DC)

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

XXXX5 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-06-05
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. (FL)

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXXXXXX XXXX XXXX  acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (UT)

There is collection account in my name for a medical bill that is not mine. It's through XXXX XXXX recovery but serviced by Plus Four. We had an initial police report done and " XXXX '' at Plus Four stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by XXXX XXXX XXXX and is not being deleted from the credit reports. He stated they were attempting to get more identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. Plus four has been horrible. Federal law states we can record the call regardless of state law as Federal trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the XXXX XXXX account. XXXX XXXX will not take our calls!
Consumer complaint received 2019-05-08
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: JPMORGAN CHASE & CO. (TN)

On or around XX/XX/2019 an single application was submitted for credit. An inquiry was authorized and my XXXX pulled. I was informed that the application was under review. The next day I contacted Chase and was told that the application was denied. I was told by the representative that I could be transferred to the reconsideration department. I informed the representative that would be fine. Upon speaking with the representative at no time was I ever informed by the representative and I did not authorize the pull of my XXXX report which resulted in a un authorized inquiry on my XXXX report. When I was notified by XXXX that Chase had pulled my report I contact the phone number that was on my credit report. I spoke with a representative and explained that I did not authorize a second pull on my credit report for reconsideration of the denied application and I was never informed that this would be taking place. I was advised that they would investigate and provided me a call back. Which never happened. I have received no correspondence from this creditor at all related to the denied application or the investigation into the the unauthorized pull of my XXXX report.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i XXXX XXXX am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.
Consumer complaint received 2023-06-27
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. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I had an account with optimum which I tried to close before moving out. they did not allow me to cancel over the phone and would put me on hold or tell me the would call me back. I paid for my last billing cicle and moved. They continue to bill me after I moved out and only canceled the account one new tenants from my old address tried to open an account the the same address as my old one. They are charging me for a billing circle even though service Were never rendered and I was no longer living at that address. Claiming that I did not cancel the service even though I called them multiple times and they did not allow me to. And I have proof with my call logs of the many times I called them.