davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

i was contacted a couple years ago by this place, claiming that if I did not pay them, they would take me to court and presume legal action against me with the arrest. Ive given verbal warnings to be lfet alone to not further contact me however he has not stopped. I took the liberty to call them again and let them know that I did not acknowledge the death and that is an accurate. They are listed under two company names, XXXX debt, recovery, and genesis debt company. id like to have this remove my credit report due to inaccurate information and harassment. also, Id like to include that under the fair credit bureau when a debt collector or third-party debt collector buys a debt they can not put past due seriously past due or anything thing of that matter which voids the collection thats been tacked onto my credit report. Thank you.
Consumer complaint received 2024-02-20
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. (PA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I disputed an account with XXXX on XX/XX/2019 but they keep verifying it. Cavalry LLC. attempts to collect {$1200.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. they hurt my credit and I can not qualify for any loan.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

BETWEEN XXXX AND XXXX I HAD ACCOUNT WITH WELLS FARGO I LOST MY ACCOUNT I WAS NOT TREATED RIGHT AFTER SPEAKING WITH SEVERAL MANAGERS. 

I FEEL I AM OWED MONIES
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2024-02-20
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. (GA)

I am writing to escalate my ongoing concerns regarding the discrepancies persisting within my credit report, as previously discussed via the Consumer Financial Protection Bureau ( CFPB ). It is with deep consternation that I continue to encounter unfamiliar entries on my report, signaling a fundamental issue that demands immediate rectification.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE ()

Hello, I was searching on XXXX XXXX for an apartment rental. I discussed over email a potential apartment for rent. I received a passport photo from the supposed landlord. After discussion, I decided to go through with the apartment. The man named " XXXX XXXX '' and I spoke also over XXXX  as well. He messaged me that a XXXX link was sent to me via email to go through the details and continue with payment. Prior, continued to tell me over email that he would be using XXXX to ensure his safety and mine. I continued with the link and was directed to send a bank transfer to a XXXX account through the application XXXX. I foolishly continued and processed the payment on XXXX XXXX, 2021. Immediately after I even received an invoice confirmation. About 2 days go by and I begin to become suspicous, finally. I realize then I have been part of a scam this entire time. First thing I did was call my bank and emailed XXXX. XXXX directed me to call my bank after I sent them documentation etc. I recieved a XXXX provisional deposit into my account. At this point, I believed that my bank had disputed my claim and returned the money back to me on XXXX XXXX. At this moment, I stopped the process of filing a report to the XXXX police department. As, I have been residing in XXXX since the end of XXXX. Unfortunately, on XX/XX/2021 a letter from the dispute team told me they reversed the payment because I was responsible for sending the money. This I already knew and had been in contact with Charles schwab customer service employees who were aware of this as well. I was advised to upload additional documents to Charles Schwab. I spoke with 3 more Charles Schwab customer service employees, which I repeated my story and recieved misleading information regarding the dispute process about my case. It was not until the 4th employee, that I was informed that I had to be contacting XXXX the third party app to dispute this payment. on XX/XX/XXXX, The employee told me that they were not able to give me my money because the scam was not considered fraud. I am very much destroyed by this back and forth and lingering dispute. I am a XXXX, have many XXXX  loans, and financially have been supporting myself for XXXX  years. I am XXXX. I understand I was being naive and not meticulous about every detail with the scammer. In addition to all of this, the scammer hacked into my XXXX and uploaded fake XXXX listings on my behalf. I immediately deleted these and changed my password to my XXXX. Thank you for reading my email and happy holidays.
Consumer complaint received 2021-12-23
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. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-23
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. (MD)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My direct deposit was paid early by my employer due to the holiday. Capital One 360 checking advertised 2 day early release of direct deposits. The amount of the direct deposit is {$12000.00}. 

XX/XX/21 - XXXX pm- No direct deposit received XX/XX/21 - XXXX am - XXXX am - XXXX am - No direct deposit XXXX am - Spoke with rep whop told me that my deposit should post to my account a few hours. 

XXXX - no direct deposit - Called Capital One again - rep tells me there must be an issue with my employer. My office is right next to my company 's XXXX. All deposit transferred without issue. ( my direct deposit is the same account & routing # used on previous direct deposit ) XXXX pm called again - asked rep if there were any type of holds, like garnishments or 3rd party holds rep says no.
Consumer complaint received 2021-12-23
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: EQUIFAX, INC. (MD)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This account is reporting inaccurate the reporting dates the bal owed and it is also reporting balance as a charge off and the bal was written off at the same time on my consumer report pass due amount was {$7700.00} I have 3 different reporting dates on different reporting agencies
Consumer complaint received 2021-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (OH)

On XXXX I paid off all my Affirm loans of {$2400.00}. By XX/XX/XXXX the loans were showing " processing ''. I contacted Affirm customer service at XXXX on XXXX and was told that the loans should have processed immediately and that the issue was with my bank. Representative failed to resolve the problem. I contacted my bank and they confirmed that all the Affirm loans had been paid out on XXXX. Affirm has failed to process my payments four days after my payments. As of XXXX my loan payments of several thousands of dollars are still in " processing '' status despite the fact that mybank was already debited for those loans on XXXX.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2021 a stranger posing as a needy person wanted to make a call from my cellphone. I gave him the phone to make a call after he made the call I saw an email notification from my XXXX that XXXX $ was sent to some unknown person using my XXXX in Bank of America account. I have asked the bank created the claim for the same. After 10 days bank denied the claim. Asked me for more evidence and then I have provided call logs and police reports. After a few days, they denied the claim. I have asked them to provide the document they used to conclude that. but I have not got any emails for the same. I have asked them again for reconsideration for the same claim
Consumer complaint received 2021-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (CA)

XXXX XXXX XXXX XXXX, a nonprofit organization which I represent had an online subscription with XXXX which it later canceled because there was no activity. 
At the time the subscription was cancelled, the organization was not owing XXXX any money. 

Latter eBay sent fake invoice to XXXX XXXX XXXX XXXX XXXX XXXX Place, XXXX XXXX, XXXX, VA XXXX. They contacted me by mail dated XX/XX/2021 stating that I owed XXXX. 

On XX/XX/XXXX, I responded that I do not have any responsibility and disputed the validity of the debt they trying to collect. 

I received another mail again dated XX/XX/2021 from Allied International Credit Corp. Cover letter signed by XXXX XXXX XXXX Managing Coach. The envelope contained fake invoices. 

Again, on XX/XX/2021 I received another email from eBay with these words " Your eBay invoice for the period from XX/XX/2021 through XX/XX/2021 is now available to view in any web browser. '' XXXX is harassing me with fake invoices that I have no responsibility. As stated earlier, I do not have any active subscription with eBay.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (GA)

I went to the emergency room several different times once in XXXX XXXX XXXX for treatment plus I have dual insurance that I used and now an 3 party collection company is telling that the doctor working for the hospital is charging me separately in addition to the hospital visits so basically I'm being double billed for the same visits once by the hospital and once by the doctor in which he's representing and working for the hospital. I believe that double billing it wrong.XXXX  set XXXX
Consumer complaint received 2019-09-09
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)

XXXX XXXX XXXX, XXXX, HAS REPRESENTED IN A LETTER THAT THIS ACCOUNT ( XXXX XXXX, XXXX XXXX ) HAS BEEN PAID IN FULL ON ALL ACCOUNTS TO INCLUDE : XXXX XXXX XXXX, AND XXXX XXXX. THESE CREDITORS ARE FALSELY REPORTING OPEN ACCOUNTS, WHEN THESE ACCOUNTS HAVE BEEN PAID IN FULL, AS EVIDENCED BY THE LETTER ATTACHED TO THESE DOCUMENTS, THAT SHOW THERE IS NO ACCOUNT OPEN. 

THESE CREDIT REPORTING AGENCIES CONTINUE TO SHOW AN OUTSTANDING AMOUNT ON MY CREDIT FOR A DEBT THAT IS PAID IN FULL. AS EVIDENCED BY THE SATISFACTION LETTER SHOWING OTHERWISE.
Consumer complaint received 2021-12-23
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: TRUIST FINANCIAL CORPORATION (TX)

When an item shows up as a duplicate an your credit report, it should easily be removed with a dispute letter to the credit reporting agency. Unfortunately, this is not the case with the incompetent employees working for XXXX. who rely heavily on their XXXX and XXXX XXXX systems to do their jobs. 
Randomly, checking my credit report around mid XXXX, I came across the same furnisher on my XXXX credit file with two completely different account numbers. 
REGIONAL ACCEPTANCE XXXX # XXXX with balance XXXX and second XXXX # XXXX with the same balance XXXX. I disputed and asked of the item to be removed. XXXX found it as verified. 
To my knowledge, I have one account with this lender. And have no idea where the second account came from. I am requesting legal action to have this incorrect information removed from my credit file immediately. Or I will be forced to take legal action.
Consumer complaint received 2019-09-09
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER REMOVING THE LATE PAYMENTS FOR I HAVE BEEN A CLIENT THAT STRIVES TO MAINTAIN AN EXCELLENT STATUS.
Consumer complaint received 2024-02-20
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. (PA)

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 XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-31
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. (TX)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (WY)

I checked my credit report on XX/XX/XXXX to see TWO accounts with FOUR trade lines for Choice Recovery for XXXX XXXX   XXXX that are invalid. I have never received any correspondence about any of the accounts listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act.  I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. 
XXXX - XX/XX/XXXX - {$400.00} XXXX - XX/XX/XXXX - {$520.00} Reporting this is a HIPAA violation as I did not sign any HIPAA release with XXXX XXXX XXXX to have my information transferred to another agency. Once XXXX XXXX XXXX sold the accounts, they are no longer valid to collect on as all responsibility on my part was absolved with the violation of my HIPPA & privacy rights.