davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I tried to rent an apartment with XXXX XXXX which is under XXXX XXXX. I was all set to move in. My move in date was for XX/XX/2020, but I terminated the lease on XX/XX/2020 because the apartment was completely uninhabitable. I was told I would get a full refund including my deposit which was {$200.00} and first months rent which was {$700.00} totaling in {$900.00}. This was given to me on XX/XX/2020. The apartment never reached out to me after I received the refund. Now, their collections company, Genesis, is attempting to collect {$780.00}. I do not owe any amount to anyone. Genesis has harassed me through mail, calls, and texts. They contacted my place of work, where I can not receive calls, putting my job in jeopardy. They have been contacting me since XX/XX/2020. I have repeatedly told them to stop contacting me.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX is still listed under my personal information.
Consumer complaint received 2022-04-10
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. (IL)

I have been disputing with XXXX AR XXXX and XXXX and Experian since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original CreditoXXXX and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus XXXX and Experian. Included in my disputes with the bureau 's I pointed out the FDCPA violations that XXXX has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by XXXX. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to XXXX in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. XXXXXXXX has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against XXXX, XXXX, and Experian for their negligence.
Consumer complaint received 2022-01-25
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. (MA)

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and are NOT mine. I must have been the victim a cyber hack or identity theft. These non account holding inquiries with : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are NOT mine. I do not recognize and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumers.
Consumer complaint received 2022-04-10
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. (TX)

I have been attempting to clean my credit report for the last 5 years. One of the issues that I am continuously running to is accessing information from Equifax. 

My deceased grandmother & myself share the same name with different middle initials. We also shared the same permanent address for many years. This has always been an issue & I began using my middle initial on all signed documents. 

What has occurred is Equifax has combined our information. They have my birth date on file, what I believe is her social security number & a last name ( XXXX ) which she used ; this was never legally her name. 

I have faxed as well as mailed Equifax a copy of my birth certificate, social security card & my tax return with no communication of a resolution to fix this issue.
Consumer complaint received 2019-06-30
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. (AZ)

On XX/XX/XXXX, I received a copy of my credit report # XXXX for XX/XX/XXXX and there are over 70 inquiries on my credit report run by Experian and its subsidiaries beginning early XXXX thru today severely negatively impacting my credit score. 

None of these inquiries were authorized by me : 8+ inquiries XX/XX/XXXX, 15+ in XX/XX/XXXX, 8+ in XX/XX/XXXX, 3+ in XX/XX/XXXX, 3+ in XX/XX/XXXX, 6+ in XX/XX/XXXX, 7+ in XX/XX/XXXX and more. 

All of these inquiries need to be removed immediately. Thank you.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MI)

I have had a Truist bank account for over 6 months. Every time I deposit a check via mobile deposit or any deposit they held my check at least 5 days. This last time they held it for 12 days claiming its in the hands of XXXX fraud department. And now my bank account is frozen. But no one is telling me why! I have called everyday because my customer who is expecting her bathroom remodeled is very upset. # 1. for having to go thru this. And # 2. Because she slipped and fell in her old shower I am supposed to have fixed by now but can not. SO if this goes to court it will be Truist that needs to explain finally to the court why they have discriminated against me from day one on every check. And why my customer had to fall in her shower due to they're neglect and discrimination against they're own business checking customers. And today after 3 days of being told I needed to call in and have my account unblocked today. I called in 5 times being on hold for 2 hours total. And still after talking to them all day. They tell me I have to wait for someone to call me that is refusing to call me. So I still sit here unresolved an no one will help me at Truist. I have suffered, my business has suffered again and again, my customers have suffered, and still no one can tell me why this is happening or when they will decide to call to resolve it! Either way it looks like I'm going to need an attorney to get a XXXX company to give me my business, life, and money back so I can take care of my customers properly. Completely unexeptable behavior!!!
Consumer complaint received 2019-07-02
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. (GA)

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and XXXX.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing with XXXX AR XXXX and Transunion and XXXX since XXXX of XXXX. This is now XX/XX/XXXX. On XX/XX/XXXX I sent a debt validation letter directly to the collection agency for the debt they are claiming I owe. I never received satisfactory tangible information that I requested which included the original bill of sale, the contract from the original creditor with my signature on it, the contract between the Original Creditor and the Collection agency for proof that they are able to collect on their behalf, and proof of licensure to collect on this debt in my State. I did not receive anything from them to satisfy my requests. After 30 days I disputed the information with the credit bureaus Transunion and XXXX. Included in my disputes with the bureau 's I pointed out the FDCPA violations that XXXX has committed on my credit profile. One of the many violations of the FDCPA; was the re-aging of this debt by XXXX. The debt has been re-aged by 3 years without any payment activity or promises to pay on my end ; I also showed proof that the Date of Last Payment has not been listed ; And even after the letter I sent directly to XXXX in XX/XX/XXXX, they never updated my account to " in dispute '' nor did the Bureau 's. XXXX has failed to provide me with the proof I requested in the allotted time frame. They have negligently reported inaccurate inconsistent information to the credit bureaus and the credit bureaus have failed to conduct a full thorough reasonable investigation since they have let such violations in inaccuracies to continue to be reported on my credit profile. This account needs to be removed immediately from my credit profile. My next step is to file a complaint with the XXXX and the FTC before finally starting litigation against XXXX, Transunion, and XXXX for their negligence.
Consumer complaint received 2018-07-08
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: SLM CORPORATION (MA)

There seems to be an inquiry on my credit report from XXXX XXXX in XX/XX/2018. 
I did not consent to this. 
I tried to call them several times and their phones are always down or there is no one available. I want this off of my credit report.
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear Transunion, XXXX, and XXXX I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ). 
I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks. The unauthorized inquiries are as follows : Transunion Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible. 
I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely,
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

on my credit report there is a debt I know nothing about it in my collections. This is clearly fraud. Jefferson Capital system They claim I owe XXXX over {$2000.00}. I have called a few times asking for proof of documents in which they ever never supplied anything.
Consumer complaint received 2022-04-10
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. (FL)

I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have XXXX inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from me.
Consumer complaint received 2022-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

15 U.S.C 1681 Section 602 A States I have rights to privacy. 

15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,
Consumer complaint received 2024-03-08
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. (AR)

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. 

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. 

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX .
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX XXXX XXXX my Bank Account was HACKED. {$16000.00} was removed and funds were transferred between accounts. The HACKERS Demanded I purchase {$2000.00} worth of XXXX gift cards to restore my funds. 
I had a XXXX to my head, I made the Purchase. 
Then they demanded {$5000.00} in additional gift cards. At this point I WALKED into my LOCAL BOFA branch and asked for HELP. The HACKERS were STILL in My Account. 
The BANK REFUSED TO SEE ME! Said I needed and Appointment! An hour later I was seen... but the HACK was over by then. 
Had I been seen immediately the BOFA Fraud team would have VOIDED the transactions and I would have recovered my {$2000.00}. 

The LOCAL BOFA staff is NOT trained on how to respond to FRAUD. BOFA must take responsibility for that and restore my {$2000.00}
Consumer complaint received 2022-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (VA)

I contacted EASTERN ACCOUNT SYSTEMS, INC every 45 days since XX/XX/2021 to validate alleged debt. EASTERN ACCOUNT SYSTEMS , INC. never sent documents supporting any purchase of any medical debt allegedly belonging to me. Collection accounts have been removed from XXXX and XXXX for failure to validate. XXXX refuses to remove these debts and responds to my disputes as " verified '' EASTERN ACCOUNT SYSTEMS, INC. 
ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX
Consumer complaint received 2022-10-25
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2021-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX i sent the first dispute about negative information being reported on my credit report. i noticed that my name has been spelled incorrectly and that I have seen some unverified accounts being reported on my account in error. XXXX, XXXX  and Transunion stated that all of the information as been verified. How is that so if i continue to see that it has not been updated in the last reported and date last active? i have not received a response since XX/XX/XXXX. They have just ignored my disputes and i know under FCRA section 611 ( a ), the CRA must provide a investigation within 30 days. It has now been over 60 days and no response. I have enclosed a copy of my latest credit report which I highlighted all of the unverified, erroneous data that is being reported. I will be forced to seek litigation toward these companies if this situation has not been corrected. This is causing me lots of grief.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (LA)

Lakeview Loan Servicing LLC has failed to pay my Flood Insurance and Homeowners insurance from my escrow account, IAW RESPA. 

My insurance provider, XXXX XXXX via XXXX, sent a letter to my loan servicer Lakeview Loan Servicing LLC on or around XX/XX/XXXX to renew my insurance policy. Lakeview failed to make a payment at that time. Another letter was sent in XXXX ( Date Unknown/Unclear ) and again my mortgage provider failed to make payments on my behalf IAW the RESPA regulation . 

I was unaware of the failings of my Loan Provider until today XX/XX/XXXX, when I received a letter of Policy Termination from XXXX XXXX. I called my loan provider and was given the run-around stating that the insurance provider canceled my policy " out of the blue '', I then called the provider who notified me that they had sent the letters as mentioned above to the Loan Provider, while also providing me with copies of those letters. I called the loan provider back, and they stated that they had placed loan-provided insurance, I then asked for proof of this. They provided me with the canceled policies, which are not active. I do not have insurance on my home because my Loan provider failed to pay for it, even though I have a valid and active escrow  account.