davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (PA)

I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH XXXX XXXX WHERE I EXTENDED CREDIT TO XXXX XXXX FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. 

THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. 

VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a ) Please see attached dispute letter to XXXX  XXXX. 
A complaint has also been filed with the ATTORNEY GENERAL of State.
Consumer complaint received 2022-10-15
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. (NJ)

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. 

XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-01-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

The amount of {$6500.00} was placed for collections on XX/XX/2023. I was notified by an app on my phone that a collection was placed against my name. I reviewed the information available in the app and found that " Genesis Credit Management '' was the holder of the account. I then contacted Columbia Debt Recover LLC DBA Genesis and was informed that the debt originated from a rental agreement in my name with XXXX XXXX in XXXX, Maryland. I did not sign any agreement with XXXX XXXX, nor have I ever lived in Maryland.
Consumer complaint received 2022-04-13
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. (MO)

According to the FCRA, this inaccurate and unverified address must be removed asap from my credit report. XXXX XXXX XXXX I do not live at and I don't want my mail going to someone else with all the fraud that is going on right now. 
TransUnion refuse to remove XXXX XXXX a employer I never worked for the other bureaus has
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AZ)

Chime bank all the sudden said my account is locked for security reasons and that I need to email a bunch of paper work like license social security card and bunch of other stuff which I did and didnt hear back email 4 more times still havent heard anything. I have called 5 times now and they just keep saying I need to email cause they cant talk about this over the phone. I have asked to pull my money out and they say the same thing, I would like to get my {$1000.00} out of that account someone please help me.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: LendingPoint Holdings LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX has not reporting my XXXX loan balance. My XXXX loans were cancelled recently, however, XXXX has not reported my updated balance to all major credit bureaus. 

My loans went from over $ XXXX to $ XXXX and then about {$40000.00} a few weeks ago. XXXX did not report it since XX/XX/2023.
Consumer complaint received 2022-04-13
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. (FL)

FRCA Violation credit cards XXXX XXXX  DELAWARE XXXX XXXX  DELAWARE XXXX XXXX  XXXX XXXX  XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A. (DC)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX CITI BANK XXXX XXXX XXXX XXXX XXXX OH XXXX Dear XXXX XXXX, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a DC resident. In Washington DC, DC residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to follow up on my previous complaints regarding the unverified and inaccurate items on my credit report, which I have brought to your attention. Despite my request for an investigation, these items remain on my credit report, causing significant distress and frustration.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2019-10-11
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: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/2019 I filed a dispute with XXXX for merchandise that I did not receive. The visa card is issued through Goldman Sachs and is called XXXX XXXX. The company stated it would issue a provisional credit while it investigated the claim. A month later, no credit has been applied to my account and the dispute has not been resolved. I contacted the company on XX/XX/2019 and was told that a technical error occurred that had delayed the processing. The company then further stated that it had resolved the dispute and issued the credit. This is false, The funds and transaction are both missing from my account, and I am unable to use my card for any purchases.
Consumer complaint received 2022-10-16
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX : # xxxx XX/XX/XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2021-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (MA)

Hello, Received letter in the mail from a debt collection agency, UNIFIN, based in XXXX, IL. I called the number twice and spoke with an agent but did not get her name. When called back after contacting what I thought was the original debt who could not find me in their system I called the debt collector back. The agent XXXX who was a woman verified me by my name and last four of SS #. I then proceeded to tell her that this was not my debt and asked for information on who the original debt belonged to. On the letter the original debt is XXXX, when speaking to the agent she stated the acronym stands for XXXX XXXX XXXX Bank based in XXXX IL. She provided me with a number so that I could inquire about myself. The number is given to me by agent XXXX. I called the number once on my own and called again after speaking with the agent. I spoke to the same individual who confirmed they were not XXXX XXXX XXXX Bank XXXX, but XXXX XXXX XXXX Bank based in XXXX PA. This is clearly fraudulent and wanted to alert you to this scam!! When asking the agent where was the call center was located that I was calling she refused to provide me with that information.
Consumer complaint received 2022-10-16
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)

I signed up for a payday loan a few months ago and when I just checked my credit report I saw a number of inquiries from different lenders running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX Balance XXXX {$5100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NY)

I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : WFXXXX XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

someone put a credit card in my name in 2017 and it just came on my credit report and I never applied for that card i have a couple credit cards because i own a XXXX like XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-12-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have made the same disputes with all three credit bureaus for months. Just recently XXXX rectified the situation by removing all the incorrect information from my report. After that was completed, I reached out to equifax and XXXX to see what was necessary to remove the same items. I was told to dispute it. I explained I disputed multiple times and it was returned as correct info. They said since XXXX removes the items its likely if I resubmit the dispute the same ones will be removed for their reports as well. So I disputed it again, to my surprise it returned as correct information. So I called again and was told the companies provided evidence it was correct. I asked how could it be correct for this report and not for another? I also asked if I could get this supposed evidence and was told to reach out to the companies. I dont think its fair that I have to keep disputing for months and the two reports still show incorrect/ fraudulent information. I want the items I have disputed numerous times to be removed. I even offered to provide proof XXXX removed the items and was told it wasnt needed. At this point I dont know what to do, but it rectify ASAP so I can repair my credit score.
Consumer complaint received 2022-10-15
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (FL)

From XXXX until today, I have been reaching out to no avail with Equifax. I don't get a response back in the mail, nothing has been investigated and I'm still being hindered for inaccurate info on my report!
Consumer complaint received 2022-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I filed a dispute in reference to in the items on my report. It has been well over 30 days and no investigation results have been provided.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

This is in reference the CFPB Complaint XXXX that did not address my complaint and closed the case. 

Home Depot Citi Executive Response Team keep claiming that they have sent a request to XXXX to change an inquiry to non-display. 

This notification has been sent at least 3 times since XX/XX/2023 

XXXX claims no such request was received My Complaint is why is Home Depot Citi Executive Response Team just resending and not INVESTIGATING why this is happening? 

Is the process to SEND messages? Or to COMMUNICATE a message? Is it not important to have tracking and confirmation of receival embedded in their process?
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NJ)

I opened a account with ally Bank in XX/XX/XXXX. I had maybe {$14.00} dollars in the account. I live half the year out of the country. My room mate has opened a ally Bank account as well. And he two spends time with us in XXXX XXXX. XXXX XXXX. Anyway. On or aboutXX/XX/XXXX-XX/XX/XXXX. My Ac king was suspended. They asked for a copy of my drivers license to fraud@ally.com. Which I sent. I have had nothing happened since. I called. I emailed nothing can be done. 

XXXX XXXX Ally Bank Checking XXXX
Consumer complaint received 2021-05-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX a deduction of {$4800.00} was taken and paid out of our escrow account to pay property taxes for an incorrect Parcel # located in a completely different county. 
Our property taxes {$3300.00} have not been paid and a 10 % late fee has been added. 
To date XX/XX/XXXX, Funds have not been put back into our escrow account and our taxes have yet to be paid. 
We have received an escrow account analysis which is incorrect based on our account reflecting we have a {$9700.00} property tax bill yearly, which has now caused our mortgage to increase from {$1500.00} to {$2400.00} starting XX/XX/XXXX. 
Our money has been mismanaged!