davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IN)

Notice To Sue Subjet : Final Request To Remove Or Delete disputed accounts and Resolution.

To whom it may concern, I am writing regarding the continued over the accounts detailed below, for which I have received yet another generic response, the same response from Transunion Credit Bureau, indicating a previous verification. 
XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) These accounts are not listed on my other XXXX credit reports that I have continually send not only my other XXXX credit reports and substantial documents that Transunion has asked me to provide to them for the removal of disputed accounts. This letter marks another attempt in a series of communications aimed at resolving the issue. The lack of a thorough investigation in this matter by Transunion is not only frustrating but also suggests a disregard for the CFPB laws designed to safeguard individuals like myself. Given the history of these disputes and the documentation of all related correspondence, I am seriously the involvement of my consumer rights attorney to asses potential violation of my rights. This is a final appeal for Transunion Credit Bureau to correct or remove the inaccurate information from my credit report. Failure to address this issue satisfactory, will compel me to pursue all available avenues including filing complaints with the Justice Department Office of the Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX XXXX, as well as engaging my State Senator, Congress, the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. The resolution of this matter now rest with Transunion Credit Bureau. I urge Transunion to take appropriate and immediate action. My attorney is closely monitoring everything to ensure a fair resolution in this matter. I hope to receive a response in within 15 days of receiving this letter Sincerely, XXXX XXXX
Consumer complaint received 2022-02-26
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. (MI)

I have a chapter XXXX bankruptcy which was XXXX on XXXX but reported on all three credit bureaus. I received a letter from the United States Bankruptcy XXXX explaining that they do not report bankruptcies to credit bureaus. I also have obtained a letter from XXXX XXXX verifying my security freeze.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner violated my right as a consumer. On XXXX, the mailed a letter informing me of their intent of collecting a debt and on XXXX, i mailed them a notice alerting them of their unlawful debt collection practice and asked them to stop such collection practice immediately. I also included an affidavit, notice of fault and opportunity to cure and a cease and desist notice which can found in the attachment. Insipid of all that, they ignored my cease and desist notice. evidence can been from an XXXX credit report pulled on XXXX. XXXX XXXX, Assistant Director of the The Office of Enforcement of the CFPB, PLEASE ADVISE.
Consumer complaint received 2024-01-31
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On a recorded call approximately XX/XX/25, Genesis representative tried to belittle me by stating hows not paying working out for you- you able to get trade lines. Then he raised his voice and stated Fine, you know what- were not going to cut you a deal and were going to continue to report against you!

This language was abusive in nature and directly violates the FDCPA
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC (MO)

On/Around XX/XX/XXXX I received a voicemail that I owed {$90.00} from living at XXXX XXXX at XXXX in XXXX XXXX, MO and if I did n't pay that day I would be sent to collections.I lived in the lofts from XX/XX/XXXX- XX/XX/XXXX. I paid all my rent in full and sent my notices to vacate prior to moving out. I never received a notice prior, then two years later get told I am getting sent to collection that day. I have contacted XXXX XXXX as well as Fairway Capital to get to the bottom of this with no avail. In XX/XX/XXXX I got a letter from Fairway Capitol only after reminding them that they were in violation of creditor law letting me know what I owed for. The letter has no dates and is extremely vague but says an auto charge on XX/XX/XXXX in the amount of {$81.00} and that the rest is for utilities. I moved out before the end of XX/XX/XXXX. I never lived in the residence after that and I gave numerous notices ( more than 90 days ) that I was vacating. I had moved out over 30 days before the dates listed on the letter provided by Fairway Capital. In XX/XX/XXXX I again contact XXXX XXXX and was told I had to talk to the owners of the property ( XXXX XXXX ) and was given the email address for a XXXX XXXX. On XX/XX/XXXX I contact XXXX XXXX via email and explained the situation but did no receive a response. Fairway Capitol discontinued contacting me until XX/XX/XXXX when they resumed calling me numerous times a day from different area codes. The agency has also reported the debt to collection agencies and it has negatively affected my credit.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 : # XXXX, XXXX : # XXXX, XXXX : # XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # 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 2022-04-15
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. (CA)

The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XX/XX/2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2022-04-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they sent to me saying the information was verified. On XX/XX/XXXX I sent a dispute by mail to Experian regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I also stated my information was involved in the Experian data breech and could be the reason my information is represented wrong, either way I just would like to represented correctly when it comes to my payment history for this account.
Consumer complaint received 2022-04-15
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. (CT)

I went to the Hospital, was fully insured, gave my insurance card at the time ( they ALSO had it on file ) Was billed anyway but was never sent a bill until it was already in collections!!! XXXX removed it, however XXXX and Experian " Validate '' the debt XXXX knows HOW but they do Proof of insurance attached as well as proof that what was done is 100 % covered!!!
Consumer complaint received 2019-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (AR)

I paid Ameritech for student loans that I was assured would be paid, if I paid on the loans a total of 340 months. Upon receiving a letter from the FTC, I immediately called and changed my password and other information after being instructed to do so by the FTC. Now, Im dealing with the stress and concerns of my money being refunded.
Consumer complaint received 2022-04-15
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX XXXX Account Number 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 2022-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NJ)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX Story on XX/XX/2022 where the pipe broke in the basement located on XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX, owner XXXX XXXX called XXXX XXXX XXXX XXXX, which XXXX XXXX called back and I describe the situation asking for quote, and I did not asked XXXX as emergency for this job. I also called other similar company, yet XXXX decided himself to do immediate work and XXXX told me will submit the invoice to my insurance company without giving me Estimate/Quote. Today, I received the XXXX page XXXX, stated EMERGENCY DRYING SERVICES PER ESTIMATE, the invoice description is absolutely INCORRECT, as I stated above, XXXX failed to provide me the quote and XXXX called himself this project as EMERGENCY also false. 

Since XXXX XXXX threaten to sent to collection agent, which is XXXX did I agreed to pay {$4000.00} XXXX XXXX XXXX, is VOIDED I will filed criminal against XXXX XXXX and XXXX XXXX power dry by attempted SCAM against XXXX XXXX failed to provide the estimate and called XXXX himself as project XXXX EMERGENCY for this work
Consumer complaint received 2023-06-08
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. (DC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-22
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. (GA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2022-03-22
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: Westlake Services, LLC (CA)

This shows in my credit report and does not belong to me : Westlake Financial Services Acct # XXXX Date Opened : XXXX and Current Principal : XXXX Payment : {$770.00} Last Payment Date : XX/XX/22
Consumer complaint received 2023-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Due to error instructions on part of the bank money was never received by XXXX though money was deducted from my account. Transaction date XX/XX/XXXX. Now I am told to deal with XXXX bank in XXXX. I am on my own
Consumer complaint received 2023-09-18
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX I was stop by police in XXXX, CA and i was taking to jail and my wallet with my Bofa-XXXX XXXX  ( plus car title, social security card net-spend debit card and some other debit card from other bank accounts as well was all inside my wallet ) on me at the arrest when i was booked into the jail my wallet wasn't in my personal property bag i told the XXXX at the jail he said i have to speak to the arresting XXXX which i told him only took me to jail and is no longer here in the jail then he said to save my arrest report and when i get release from jail to follow up to see where my belonging where at so i wasn't release for about XXXX later on XX/XX/XXXX which as soon as i gotten release from jail i checked my bank of America Edd card account and notice all my money was gone i then spoken to a bank of America representative to find out where all my money went which i learn that on the dates i was in jail between XX/XX/XXXX thru XX/XX/XXXX there was a lot of different purchases in different amounts also ATM withdrawals all in total of {$3400.00} from card ending in XXXX which i then filed a claim for that amount of {$3400.00} claim # XXXX on XX/XX/XXXX or around that date the bank cancel my old card ending in XXXX and sent me a new XXXX however i never received any credit for the amount in question like i was told by bank of America claims department i will get after 10 business day while they investigates my claim however i was mailed a letter just reads XX/XX/XXXX ( { We've completed our review of the above referenced claim and have determined that no error has occurred in this instance. we now consider your claim resolved. what you need to know the transaction activity in question was authorized and posted correctly to your account. } ) soon after this i sent in a fax of a arrest report from the XXXX department showing time i was in jail from to release date then i sent another fax with my i.d card and another with a statement of facts handwritten from me saying i never gave anyone permission to use my debit card or my account and i have no idea how or who made these transactions while i was in XXXX for the XXXX which i then reopened about another XXXX same claims all by speaking to the claims supervisors helping me try to get the money that was stolen from me while i was in jail which i really cant believe that bank of America still cant tell me why I'm not able to get my money back from whoever took my money and its not XXXX XXXX and yet i cant get any results from bank of America in regards to this claim # XXXX for the amount of {$3400.00} which was all the money i have and I'm staying in my car and looking for a job trying my best to move forward in-till i get my money back then i know ill be OK.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XX/XX/2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CIT BANK, NATIONAL ASSOCIATION (NY)

CIT Bank ( https : //www.cit.com/ ) denied my application to open a XXXX XXXX account and refuse to provide a reason why. 

As a recent victim of ID fraud I have to know what factors are negatively impacting my ability to open an account with CIT. I am not applying for a loan, I'm applying for a savings DEPOSIT account.
Consumer complaint received 2022-02-28
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: CREDIT ACCEPTANCE CORPORATION (LA)

Credit acceptance and partners of XXXX XXXX XXXX XXXX collection firm are currently reporting a collection balance of {$2800.00} that was settled in full with the collection office of XXXX XXXX XXXX XXXX for the amount of {$980.00} How ever ive spoken to representatives at both companies and ea. company is playing the blame game on one another... This type of unfair activity by creditors and collection companies should be recognized by agencies like your selves should be seen as CRIMINAL .... Not only is this FALSE balance reporting hurting my credit but to add injury to insult they also decided to hit my credit report with a most recent LATE PAYMENT when i honored their settlement to pay before XXXX XXXX See all Exhibits ( XXXX ). This false reporting has been an on going problem sense this collection has been PAID... This matter is ruining my XXXX and XXXX  scores ... Each time ive spoken with a representative at Credit Acceptance ive been told i need to dispute this matter or contact the collection company. Please see Exhibits as proof that this matter should not only be corrected but DELETED IMMEDIATELY.