davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (TX)

I went to the car dealership to purchase a car and I was told they would only run my credit for XXXX However, I did not give written authorization to any of these hard inquires below, someone must have ran my credit multiple times without my permission or written consent therefore I need these removed/deleted from my credit. I tried running disputes and sending letters and they wont remove them. They didn't provide any proof showing I gave written consent nor did the credit bureaus provide evidence of their investigation that asked for. 

Please remove/delete these Credit inquires : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2023-05-02
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

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
Consumer complaint received 2024-02-15
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I've had collections from XXXX XXXX and XXXX XXXX XXXX that been deleted from my credit report and reinserted without notifying me at all and that is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly.
Consumer complaint received 2022-08-15
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 (FL)

I have attempted to resolve this issue with the XXXX for some time now and have not had any responds. I have also tried to dispute it with XXXX and they have said they are unable to dispute the matter as well. My last resort as a Consumer that is being violated under 15 USC 1666 false and misleading statements I hope that you are able to assist me in this manner. The report number with XXXX is XXXX and the collection company is named Columbia Debt Recovery XXXX I was never involved at any point at any time with this debt and they have not produced anything with my signature to provide any validation or verification of this debt.
Consumer complaint received 2019-02-22
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 sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, XXXX, XXXX and TransUnion.
Consumer complaint received 2024-02-15
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. (LA)

On XX/XX/2024, I certified mailed documents to XXXX, XXXX, and Transunion credit reporting agencies. Included were my copies of my driver 's license, social security card, utility bill ( as proof of residence ), a notarized affidavit stating what happened, a police report, a XXXX ( XXXX ) bureau credit report, and a copy of FCRA section 605B. Section 605B requires the above mentioned agencies, to remove the fraudulent items from my credit report within four ( 4 ) business days. 
The documents were received on XX/XX/2024. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

Transunion received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

As of the submitting of this complaint, XXXX, XXXX nor Transunion has removed the fraudulent items from my credit report.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX and XXXX I submitted letters to XXXX  disputing the accuracy of the information on said credit report with said company and this information was not verified by XXXX  nor validated by creditor to said debt to be true and made by me.
Consumer complaint received 2016-10-04
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Patenaude & Felix A Professional Corporation (WA)

I have had two conversations with representatives of this law office regarding a possible settlement of this debt over the past year or so. Neither went far at the time because we lacked the means to make payments. 

This law office had someone who identified themselves as a process server deliver 5 documents that appear to be legal summonses related to some old student loans my wife took out going to school. I was left with the distinct impression that the company was taking legal action against us. However, when I contacted superior court in my county, I found that no suit had been filed and no paperwork submitted. Upon examination, the summonses all lacked specific court case numbers, but otherwise appear to be legal documents. They just say " pending '' where the normal court assigned numbers would be.
Consumer complaint received 2016-11-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I Open a New Account With Keybank XX/XX/2016. and for some reason keybank froze and locked my new account on XX/XX/2016. because i have a previous balance with XXXX and its affecting my credit score with all Bank i the US. and i made a deposit of {$320.00} dollars on the new account i open with keybank. and this issue is coming from the previous account i had in the pass with XXXX that was send into collection charge off. i am currently on a process on having my credit fix with XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. 

Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 

I thoroughly investigated the accounts with XXXX XXXX, XXXX XXXX XXXX are not my accounts and are not verifiable. 

Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2,
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account, XXXX has violated my rights Th Hippa law I did not sign a HIPPA release letter for my personal information to be released 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account, XXXX has violated my rights Th Hippa law I did not sign a HIPPA release letter for my personal information to be released 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2016-04-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

i was notified by my credit monitoring service that there was a new collection on my credit report. I reviewed my credit report and found that it contained a collection from Commonwealth Financial. At this point, i had not received any phone calls or letters by US mail. I looked up the company on the internet to obtain there phone number. I contacted the company and spoke with a representative and was informed that I owed a hospital bill from XX/XX/XXXX from XXXX hospital. I asked them why I had not received anything in writing about this and they said they would send me a validation letter. I then filed a letter with Commonwealth Financial stating that they needed to send me validation of the debt from the original creditor showing the itemized bill. this was on XX/XX/XXXX. I have since been harassed by them by phone and have requested that all collections be stopped against me due to the dispute. They have failed to report to XXXX, XXXX and XXXX that this debt is being disputed by me. I have also emailed them a letter from the original creditor, XXXX hospital, stating that i have a XXXX balance with them. I have on numerous occasions tried to contact them on the status of this dispute and have got the run a round about it. I have requested that they remove all information from the credit bureaus while this is being investigated and they refuse to do so. they told me they have 30 days to validate the debt but have failed to do so as of yet. This company is clearly violating FCRA laws by not informing the XXXX credit bureaus that this account is in dispute. XXXX XXXX with Commonwealth Financial will not respond to my phone calls. He is the person that is supposedly handling my account with them. i would like this removed from my credit report immediately or legal action against this company will be taken on my behalf.
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account 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 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

there was someone trying to open an account in my name from target corporation, which resulted in a inquiry from XXXX placed on my credit report. The company XXXX sent the information over asking Equifax to remove the inquiry. I am even the information over by certified mail, but Euifax refused to removed the inquiry. Equifax violated the fair reporting act.
Consumer complaint received 2022-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

i was the victim of identity fraud and i need all these negative items removed due to this problem im un able to get approved credit cards im unable to get a car or even an apartment
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I paid off my home mortgage on XX/XX/XXXX. Bank of America wasmy mortgage company. I checked my Bank of America account on XX/XX/XXXX and found that the full amount of my mortgage still showed as outstandingalthough I paid off the mortgage using a cashier 's check ( as requested by BOA ). 
When I checked on this further I was told that the bank made a mistake andcredited my payment to another individual 's line of credit account. The matter wasthen resolved and my mortgage balance was reduced to {$0.00}. However on the XX/XX/2015, BOA withdrew {$1400.00} through the ACH account I had setup to process my mortgage payments. Once again, after paying off my mortgagein full, BOA withdrew yet another mortgage payment. On XX/XX/XXXX Icontacted BOA again and told them what they had done. They informed me at thattime that they would reverse that charge and I would see it appear in my Suntrustchecking account on XX/XX/XXXX or XX/XX/XXXX. Today, XXXXI contact BOA since I have not seen the reversal. I was now informed that thereversal would be returned to me as part of the refund of my escrow account andI would not see that refund until the XX/XX/XXXX. 
In summary, although I paid off my mortgage on XX/XX/2015, BOA without authority, misappropriated {$1400.00} from me and are now saying that they will notreturn it until they have had it for one full month. It appears that this is an easy wayfor BOA to tap financial resources not belonging to them and to use them for onemonth interest free. Multiply this by the number of people who pay off theirmortgages every day and you can see just how much BOA is reaping. Of coursethis assumes that BOA will return my money by XX/XX/XXXX, but I haveno confidence they will based upon what they have told me thusfar.
Consumer complaint received 2024-02-15
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. (CA)

Previous attempts have been made to obtain proof of verification for these items on my credit report. With each attempt, TransUnion has come back with merely a " verified '' or " updated '' without providing any proof of what they received showing that i am personally liable for these accounts ( documents with my signature ) nor did they provide information such as the name of the person at each of these entities who verified the information, which is my right to request. 

At this point, TransUnion is in violation of the FCRA by failing to provide documentation showing a fair and complete investigation. Just because they add a note of " verified '' or " updated '' does not provide ANY proof that I am liable for these accounts, or that they are mine. 

I demand that these items be deleted off of my credit report because after months of asking for proof of validation, they have provided NONE - which proves that these accounts are not legally verified and are being reported erroneously, violating my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX ( reporting TWICE ) XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

A scammer admitted himself to be a landlord of a house to rent and has scammed me in 2 transactions, each totaling {$500.00}. He then blocked me on XXXX ( where we had the conversation initially ) and ran away. Unfortunately, he never showed up and took the money away from me. With an existing contract, email, and XXXX information, XXXX ( the method I used to transfer the money ) should be able to make a cancellation/refund. At the very least, the receiving bank of the funds should be able to investigate the scam and refund the money to my bank account with Bank of America.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (GA)

I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail
Consumer complaint received 2015-11-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear CFPB Committee, Happy XXXX! 

Unfortunately, I wo n't be able to celebrate this year due to a number of financials burdens on my soul - including identity theft ( police report enclosed ), XXXX and of course not having enough expenses to cover my living costs.It is with extreme grief to tell you that this particular circumstance has impacted my daily life tremendously. 

I 'm a loyal Bank of America consumer since an year - the day that I first came to XXXX. Bank of America has always been my favorite bank, I 've had the best customer experience from an institution ever in my life. 
Recently, however, I have been in great sadness as per circumstances which resulted in me being self-employed and sufficient, an XXXX with no income. From XX/XX/XXXX, I have been charged with 12 x overdraft fees ( XXXX $ ) fees on amounts as low as {$4.00} while I was on 'decline any transactions ' ticked on my checking account. The fees are as a result of the merchants duplicating transactions on the next day whereas they got declined previously. The merchants were notified about my inability to pay, however, they constantly ignored my requests. I have removed my debit card from auto pay - however, as I have an outstanding balance they kept charging me. Enclosed are the fees that I 'm referring to ... 

I 'm having a tough moment in my life as I 'm on food benefits, thus I do n't have money to cover food expenses - not to mention paying {$35.00} in fees.. As proof, I have enclosed a copy of the food benefits EBT stamps I receive.. I 've called and seek aid from the service fee dispute center, however, without help.. 

XXXX. Even though, I want to remain a Bank of America customer - I 've been paying my Bank of America Secured Credit Card in full each month, as to not owe bank of America money, however I can not allow myself to further pay those fees.. I want to remain loyal as the customer service is superb. 

This being said, is there any way for those fees to have them reduced as to financially stabilize myself from the hole I 'm sinked into. 

Having those fees refunded will greatly improve my life and allow me to buy food.. Please feel free to call me and ask for any proof as to validate my claims but please understand that I 'm in a very hard economic hardship currently as a result of my identity being stolen and the other reasons stated above. 

Yours, XXXX XXXX
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (NE)

Hello, I am writing in regards to a civil judgment from a company called Gurstel Chargo. They are a bad debt buyer and purchased a debt from a charged off account with XXXX XXXX Bank. I owed just over {$1000.00} and went to court to dispute it due to the hardship it would cause, but the deadline had passed and I lost, so my checks have been garnished for the past 9 months. I calculated the amount owed compared to the amt taken from my paystubs and I show that it should be paid in full. Yesterday, I received a letter stating that a company called XXXX XXXX was going to start garnishing me for the exact same account. I had only XXXX XXXX XXXX Bank account. I sent an email to Gurstel Chargo 's attorney and requested the balance and the amount owed and explained that XXXX XXXX was trying to garnish me again for the entire amount, ( which I know has been paid in full ). They will not respond to me. I checked my annual credit reports and sure enough, it shows the XXXX XXXX account was sold to another party and then sold again. I have paid this is full yet am being charged again for the entire amount I just paid off. What can I do?