davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

The original debt was part of a court case in DC XXXX XXXX, XXXX XXXX, XXXX LTB XXXX. It resolved around landlords accusation of rent owed and tenants countersuit of discrimination based on XXXX orientation and disabity, plaintiff not providing a safe environment and other issues. The case was originally settled and I have in my possession a letter from XXXX XXXX XXXX, the original creditor, dated XX/XX/XXXX stating that rent was paid up to date. The case was then dismissed by the original creditor between XX/XX/XXXX and XX/XX/XXXX. There was no additional court filings by the original creditor and neither myself or my attorney 's have heard from the original creditor since. 

In XXXX of XXXX, I learned of a collection on my credit report from FAIR COLLECTIONS AND OUT. I had not received anything from them prior to this discovery. I filed a dispute with XXXX XXXX and apparently Fair Collections provided proof that the debt was accurate. If they in fact have documentation stating so, it is fraudulent. 

Again, the court case surrounding this debt was dismissed by XXXX XXXX XXXX and XXXX XXXX XXXX never contacted myself or my attorney 's after the dismissal. Any claim of debt owed to XXXX XXXX XXXX would require specific documentation mailed with a itemization of supposed debt, allowing myself to dispute any claim, per DC Landlord/Tenant Laws. 

The account at Fair Collections, opened XX/XX/XXXX is only approximately 30 days after the original court case was dismissed. This short time would not provide the time for any legal procedure for the claim of debt owed and response, if such a claim had actually been received. I have received nothing from the original creditor or from Fair Collections and Out regarding any supposed debt owed.
Consumer complaint received 2024-04-19
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 (WA)

I received a debt collector notification that I owe {$99.00} for an apartment I moved out over 3 years ago. I paid all outstanding balances and the apartment management no longer exists. I have not been provided with any information on what is owed or why and when you search for XXXX XXXX XXXX they have many reviewers how they are a collection company that takes people 's names from old apartment buildings and that they hold over you that they can negatively affect your credit so just to pay. I was never notified that I owed my old apartment management any money and XXXX years later they reached out saying I have an outstanding balance.
Consumer complaint received 2021-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

my information has been used since I was child since XX/XX/ I have alot of things on my credit report i did not do at all. i know my things was stolen so please removed all the things off my report. equifaxXXXX XXXX  for XXXX and a collection account XXXX XXXX for XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX  XXXX all this is for
Consumer complaint received 2019-08-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Credit Management ( MCM ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default XXXX XXXX card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was MCM again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments. 
MCM called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from MCM. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated MCM was considering sending this account to an attorney in our state for possible litigation. To please pay them.
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

Hello, I have been trying to get USAA to stop reporting incorrect information to my credit report for months. They are reporting four accounts they have cancelled the contract for ; {$1900.00} was cancelled on XX/XX/XXXX, {$9500.00} was cancelled on XX/XX/XXXX, {$10000.00} was cancelled on XX/XX/XXXX, and {$4400.00} was cancelled on XX/XX/XXXX. They have since reported these same four accounts as outstanding late/derogatory accounts on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to contact them and they will not access my accounts without me bringing my accounts current which is counter intuitive to the issue I am trying to resolve.
Consumer complaint received 2019-08-25
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: EQUIFAX, INC. (GA)

I have contacted XXXX, XXXX, Equifax and advised I'am a victim of identity theft.on multiple occasions and the fraudulent accounts remain reporting negatively affecting my credit score on my credit report.The following account remain on my credit report.The Bureaus have done nothing tor Resolve this issue.Per The FCRA ACT623A ( 7 ) Negative information Must be removed immediately. I'am Requesting a CEASE DESIT AND BLOCK THE ACCOUNTS PERMANENTLY. ACCORDING TO THE FAIR CREDIT REPORTING ACT FCRA, SECTION 1681C ( 2 ) .BLOCK INFORMATION RESULTING FROM IDENTITY THEFT. 


Account # XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX AMOUNT XXXX, XXXX Account # XXXX XXXX XXXX XXXX DATED OPEND XX/XX/XXXX AMOUNT {$6000.00} Account # XXXX XXXX XXXX DATE OPEN XX/XX/XXXX AMOUNT XXXX Account # XXXX XXXX XXXX date opened Dated OPENED XXXX AMT. {$7200.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX AMOUNT {$4000.00} Account # XXXX DEPT OFED/XXXX opened AMOUNT {$1600.00} Account # # XXXX DEPT OFED/XXXX opened XX/XX/XXXX AMOUNT {$3600.00} Account # XXXX DEPT OFED/XXXX  opened XX/XX/XXXX amount {$2400.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX amount {$3600.00} Account # XXXX DEPT OFED/XXXX opened XX/XX/XXXX amount {$2500.00}
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA (FL)

I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 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 2021-12-05
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. (NY)

My ex wife opened a credit card on line with my name and used the max credit XXXX did not tell me until we got divorced. XXXX she used my checks to pay the credit bill so bank is telling me its my problem I need to have e removed it is causing a lot of problem for me. Its still with XXXX bank not a collection agency. XXXX account was over XXXX years old. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.
Consumer complaint received 2021-12-05
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. (NY)

My ex wife opened a credit card on line with my name and used the XXXX credit XXXX did not tell me until we got divorced. XXXX she used my checks to pay the credit bill so bank is telling me its my problem I need to have e removed it is causing a lot of problem for me. Its still with XXXX bank not a collection agency. XXXX account was over XXXX XXXX XXXX. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been nearly two months since I mailed letters to the credit bureaus but I have received no response from them. It is my understanding they have thirty days to respond so they have gone far past the deadline at this point. I sent the first letters XX/XX/20. I sent more letters on XX/XX/20, but at this point I don't believe I will receive a response so I am asking for assistance. I will attach the first letters with this complaint.
Consumer complaint received 2020-07-24
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: SYNCHRONY FINANCIAL (CA)

I have a hard inquiry on XXXX XXXX from XXXXXXXX XXXX XXXX  XXXX  XXXX from purchase made on XX/XX/XXXX which I did not authorize on purchase made. I asked before purchase to salesperson XXXX XXXX at store XXXX I had an account she stated it's open account from XX/XX/XXXX and she just needed to update Information job history and address I asked if it was going to be a hard inquiry because I didn't want one on my credit report she stated it would be a soft inquiry because they do in house finance and I already had an open account in good standing. I then made a purchase amount of XXXX I paid XXXX cash in store with a balance of XXXX on XX/XX/XXXX and made a XXXX payment on XX/XX/XXXX I recently seen a hard inquiry on credit report from Synchrony bank for XXXX XXXX. I called both parties on XX/XX/XXXX and Synchrony bank has no Account with me and XXXXXXXX XXXX XXXX  states I have a in house account with them and not with Synchrony Bank. I called XXXX XXXX in XXXX XXXX and they said they cant help me but they will check into it. As of XX/XX/XXXX I have an open account from XX/XX/XXXX with XXXXXXXX XXXX XXXX  a hard inquiry from Synchrony bank for XXXX XXXX XXXX and no current account Information from purchase of XX/XX/XXXX from XXXX XXXX  on credit report. Please help me thank you
Consumer complaint received 2022-02-03
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. (AZ)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-12-05
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UBS BANK USA (NC)

I co-signed on a mortgage for my daughter and son-in-law. during covid they applied for a loan forbearance. they were accepted, the loan was never in arrears, the loan has been re-written and is up to date. There is nothing outstanding and yet UBS bank has put a large false delinquency report on my credit.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I AM FILING COMPLAINT AGAINST PayPal Company. They are completely corrupting my balance sheet on my account. XX/XX/2022 a charge of {$130.00} from XXXX XXXX. I disputed this charge, because I didn't make that purchase. PayPal made adjustment on my account to credit back to {$130.00}. On XXXX XXXX XXXX company return a charge of {$130.00} back to my account. Why is PayPal charge me back with {$130.00} into my different PayPal account with XXXX balance. I have to pay this amount to avoid any illegal charge fees from PayPal. Right now PayPal owe me {$130.00} or either credit back to PayPal credit account. I displeased how PayPal run their company or either balancing their account balance with other customers including my account improperly and illegal balance the spreadsheet. Please help me to investigate this issue. Thank you
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NC)

I was a new customer with Equifax - XXXX XXXX. I never recvd a bill, never recvd any mail and never even recvd a phone call. All of a sudden I get a notice in the mail from a collection agency saying I owed almost {$300.00} and my account was in collections. I am a new customer and never recvd anything. I called equifax XX/XX/2018 to try and resolve this issue. This has severely ruined my credit. I am a business owner, now Equifax has ruined my credit. I tried to reach out to them and they even confirmed they did not send mail or make any phone calls. I s/w a manager XXXX XXXX who confirmed nothing was sent. They talked down to me and could not resolve my issue. This has ruined my credit .I never even recvd a monthly statement. This is unacceptable and I do not know how this is ok or how they can even get away with this. I want some kind of resolution. The phone number I s/w them on Telephone : XXXX XXXX. My name is XXXX XXXX with XXXX XXXX, ph # XXXX.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX The correct address should reflect the following : XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Aldous & Associates, PLLC (FL)

It is a fact that I am aware that the term " identity theft, '' as defined in 15 U.S. Code 1681a ( q ) ( 3 ), and Regulation V 12 CFR 1022.3, refers to a fraud committed or attempted using the identifying information of another person without authorization. This unauthorized account with XXXX is a clear instance of identity theft as defined by the aforementioned laws. 
i have attatch police report XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX I, XXXX XXXX, solemnly declare under penalty of perjury, that the information provided in this letter is true and correct to the best of my knowledge and belief. I did not authorize or engage in any transactions with XXXXXXXX or the associated account number mentioned above. I have attached copies of supporting documents, including the police report, to support my claim. 

I respectfully request that you promptly investigate this matter and block remove the information related to this identity theft from my credit report, as permitted by 15 U.S. Code 1681c-2 ( a ). Furthermore, I request that you provide me with a copy of my credit report that reflects this blocked information. 

Please send any correspondence related to this matter to the address provided above or contact me at XXXX if you require any additional information or clarification. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (NC)

In my prior complaint XXXX I specifically mention a PERSONAL CHECKING ACCOUNT APPLICATION document including describing the machine markings on its face, all of which was transacted by the Branch Manager XXXX XXXX inside the locked branch center. 

In that prior complaint, the Truist response by XXXX XXXX amounts to falsehood, misrepresentation, and blatant lying. That same gibberish XXXX XXXX wrote twice previously. 

My complaint represents a very simple set of allegations -- - a crime involving an alleged forgery occurred. I applied for one account = PERSONAL CHECKING ACCOUNT APPLICATION was signed an TELLER SIGNATURE CARD was signed. 
-- - I learned about an unauthorized credit relation and raised objection at which point in time BRANCH MANAGER XXXX XXXX resisted any legitimate outcome so LIAR XXXX was engaged at the Truist Corporate Campus to write falsehoods and closed my complaint without resolving anything. XXXX XXXX refused to delete that fraudulently obtained credit relation from my credit report ; -- - I continued forward and objected to the continuing reporting of a fraudulently obtained credit relaiton. XXXX XXXX was forced to concede and eventually deleted that fraudulently obtained credit relation from my credit report ; -- - I continued forward demanding a copy of all documents and things whereupon XXXX XXXX spent the first 3-months withholding all documents and then eventually produced two documents consisting of an unathorized OVERDRAFT PROTECTION document I have never authorized nor did i sign that document. It appears to be some type of trace / forgery crime to achieve a credit relation I expressly declined at point of sale ; -- - Each step of the way XXXX  XXXX concocts false narrative and continues to parrot those same XXXX  over and over and over without legitimate basis in fact or in law ; -- - Despite contact with numerous Truist branch locations no one is empowered to open a PERSONAL CHECKING ACCOUNT unless the consumer signs and agrees to all terms and conditions set forth on that PERSONAL CHECKING ACCOUNT APPLICATION. According to XXXX  XXXX -- - there is no such document but that document does exist and proof is available to CFPB by suppoena XXXX XXXX and examination under oath against a senior Regulatory Compliance Officer is not going to risk their career, marriage, home, and reputation to support XXXX  XXXX. 
The Truist Corporate Campus has redundancy of their data backups offsite under the control of third-parties in shock proof climate control facilities. 

CFPB shall demand that document proof and prosecute the fraudsters, forgers, and cover-up liars.
Consumer complaint received 2022-06-10
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. (TX)

There are several accounts being reported on my credit report. I do not knw any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.