davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (NJ)

THIS IS NOT A DUPLICATION BUT A NEW COMPLAINT OF ISSUES THAT OCCURRED AFTER I FILED THE FIRST COMPLAINT. 

I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Just professional courtesy please and thank you. 

Related to Complaint number XXXX I am writing to bring to your attention ongoing issues with my mortgage servicer, Freedom Mortgage , and to seek the assistance of the Consumer Financial Protection Bureau XXXX CFPB ) in addressing these concerns. On XX/XX/2024, I emailed the CEO and the teller concerning the correspondence I received from Freedom Mortgage dated XX/XX/2024. In this letter, there were numerous inaccuracies and misleading statements, including the assertion that my " package '' was sent to loss mitigation assistance and subsequently to underwriting. This is particularly concerning given that there are no modification programs suited to address VA mortgage issues, and a new VA modification program has not been announced for VA-backed mortgages. Despite my request for an accurate and detailed letter outlining the current status of my situation, Freedom Mortgage has yet to respond. Furthermore, the law firm representing Freedom Mortgage filed to vacate the Final Foreclosure, and I have yet to receive a copy of an executed New Jersey XXXX XXXX XXXX XXXX XXXX 's order to vacate. To my dismay, upon checking XXXX  on XX/XX/2024, my home at XXXX XXXX XXXX XXXX XXXX NJ XXXX was still listed on the foreclosure list. This oversight by Freedom Mortgage is not only embarrassing but also damaging to my personal and professional reputation. I demand the immediate removal of my home from all foreclosure real estate listing companies. Despite receiving correspondence from Freedom Mortgage that gives the appearance of communication, the only response I've received is from the above CFPB complaint ( XXXX ), riddled with untrue statements. This lack of accurate and transparent communication is deeply concerning, especially considering my health challenges, which include multiple XXXX XXXX XXXX XXXX and ongoing battles with XXXX illnesses. I am not seeking to be difficult but rather to ensure that Freedom Mortgage fulfills its obligation to provide clear and truthful information to its customers. Given the ongoing challenges, I am requesting the CFPB 's assistance by assigning a monitor to ensure Freedom Mortgage refrains from retaliatory tactics and focuses on providing valuable service to a XXXX veteran homeowner. I appreciate your attention to this matter and your assistance in resolving these issues promptly. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit XXXX trying to buy me a house and this is stopping me
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Called Equifax on XXXX XXXX on phone 45 minutes to clarify why my report is stating XXXX and to get a report. Lady gave confrontation number stating she sent it but yet to receive and now overdue. She sold me identity protection for XXXX a month and I accepted cuz it was half price. Now I can't even log into my account and can't get through to Equifax telephonically.
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

On XXXX XXXXXX/XX/XXXX - I received an initial notice of collection from Genesis for a debt that was paid for back in XXXX  total {$700.00}. I then requested for a debt validation request on XX/XX/XXXX which the company sent back the requested document on XX/XX/XXXX. Upon closer inspection, I noticed that there was several discrepancies such as missing payments that was not recorded properly. I then followed up with the receipt of proofs showing that I had paid for the initial deposit. On the same report, there was also proof of credit reversal approval from the leasing company back to us which was then reverse again to shown that we owed that amount. I consulted with an attorney and here is what was written back to the collection company " On XX/XX/XXXX at approximately XXXXXXXX XXXX I contacted your office seeking an update on my ongoing matter, which was previously discussed with XXXX on XX/XX/XXXXXXXX XXXXXXXX had informed me during our previous conversation that he would contact the XXXX to provide further clarification regarding the charges in question. However, to my surprise, XXXX stated that there was no record of XXXX 's commitment to reaching out to the XXXX on my behalf. 

In light of these conflicting accounts, I felt it necessary to consult with legal counsel regarding this debt collection attempt. The attorney I consulted with carefully reviewed the evidence provided, including receipts and the ledger sent by your team. Based on their analysis, it has been determined that this debt collection effort lacks validity. 

To be absolutely clear, according to the available evidence, I do not owe any additional payments to the XXXX. Given this conclusion, I kindly request an immediate cessation of all debt collection activities related to this account. 

To provide further clarity and transparency, I would like to outline the timeline of events as follows : XXXX XXXX XXXX ] : Receipt payment for {$400.00} and {$200.00} ( attached in the earlier email ) totaling {$600.00} in deposit. Notably, {$200.00} of this payment did not reflect on the ledger. 
XXXX. [ XX/XX/XXXX ] : Lease cancellation; Spoke to an agent from the leasing company named XXXX XXXX to request for a refund. 
XXXX. [ XX/XX/XXXX ] : Approval of a {$400.00} reversal, which my attorney has noted is an admission by the leasing company that they approved the refund and can not subsequently reverse it. 
XXXX XXXX XXXX XXXX : Forfeit of deposit amounting to {$100.00}. My attorney has clarified that, as we did not move in and no lease term obligates us to pay {$100.00}, this forfeiture is not valid. '' I had spoken to their reps several times and email them to no avail. I was told by the agent that because there was a requested chargeback from the credit card company for which I requested for those receipts which they had ignored. I did not received any payment from the leasing company as per what the collection agency has said.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MO)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every station date and balance whether reported or not. 
account Item and Number ) also respectfully request to be provided proof of this alleged item, specifically proof that these aments were in fact late. By the provisions of the consumer protection laws. I demand that if enable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to my creditors who have requested a copy of my credit report in the last 6 months n also requesting the description of the procedure used to determine the accuracy mpleteness of the information. I have read that this must be provided within 15 day + Completion of your reinvestigation. I also read that under federal law, you have 30 days complete your investigation. 
is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must done within 30 days of receipt of this letter, or you must remove the incorrect information. Thank you for your prompt attention, time and help in this matter.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-21
Product: Credit reporting 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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX reference # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

- 15 USC 1681 Section 602 A. States I have the right to privacy - 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions - 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any 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 2023-03-19
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Creditor/Bureau, I am writing to dispute several items on my credit report that are causing my credit score to be very low, and I believe that these items are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to dispute the following negative items : XXXXXXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX - Inquiries have reached the statute of limitation. 
XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
XXXX XXXX XXXX - Account Number : XXXX - This account has been charged off and should not have a payment history. Please delete this account from my credit report immediately. 
The FCRA requires that credit reporting agencies and creditors report accurate and complete information about consumers ' credit histories. It also requires that they investigate any disputes that consumers raise about the accuracy of their credit reports. I believe that the inclusion of these negative items on my credit report is inaccurate and unfair, and that they are in violation of the FCRA. 

I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or in violation of any applicable laws or regulations. If you can not verify the accuracy of these items, I request that you delete them from my credit report in accordance with the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paramount Recovery Systems, L.P. (AZ)

Hi, My name is XXXX XXXX. I applied for a Mortgage on XX/XX/XXXX. My credit score was XXXX and my husband and I decided to wait until interest rates went a little lower before we moved forwarded. I called my loan officer on XX/XX/XXXX and we needed to pull a new credit report since it was pulled over 4 months ago. Once we re-pulled credit, we were advised we had 2 new medical collections that reported on XX/XX/XXXX for a total amount of {$1800.00} and my credit score dropped to a XXXX. I have had access insurance for many years, and they always pay my medical bills. I called the collection company, and they said it was from XXXX. I have lived in my same house for 5 plus years and have had the same phone number and no one has called me to discuss this collection, nor have I received any communication regarding this debt. I feel if this was a legitimate debt, I wouldve been notified. 



I called them and they said they want me to go on payment plan for {$100.00} a month, if I agree to this, they will delete this debt. I dont feel this is accurate as my insurance company has always paid my medical debts. Can you please review this as I know my medical insurance wouldve paid for this. Please let me know if you have any questions. 



Thank you, XXXX XXXX My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have tried to request a credit line increase three times now from Capital One. I am trying to get my credit line above {$1000.00}. I understand my rights, and I would like for Capital One to either prove that I am unable to repay the credit or approve the credit line increase. I currently have only had one late fee on my account within the few years that I have been with the company, and the late fee was well over a year ago now. I feel as if they are discriminating against me. So, I would like to exercise my right that is stated within the equal credit opportunities act and take legal action through certified mail with my tender of instructions if needed.
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit acceptance was hiding auto loans and cost behind their deceptive marketing and advertising committed fraud not disclosing information in their lease agreement leaving consumer under duress. Now the consumer has asked them to validate the debt and they have not. I want them removed off my credit report. And also consumer pray to be grant rescission.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NC)

I am writing to dispute the following information that your company supplied to XXXX, XXXX, and XXXX. 

GM Financial has been reporting my loan/account with their company for the leasing of my XXXX XXXX XXXX as a repossession since XXXX XXXX. My account has not been in repossession status since XXXX XXXX. On the day in question, I woke up at XXXX XXXX  and discovered my car was gone, within 4 hours my car balance was paid in full and I was able to obtain my car from the tow yard. At the moment the car payment was made, and the car was taken out of repossession status it should have been accurately reported to the credit bureau within 30 days. 

They are continuing to report inaccurately. This is a violation of my consumer credit rights. I called GM Financial in XXXX to report to them that the inaccuracies were still being reported and the customer service team provided me with incorrect information and false validation to me that the situation would be handled. After being denied credit cards, loan applications, and mortgage applications I finally did some deep diving into my credit report and to my surprise discovered this fallacy that has been going on for almost 7 months. 

I have enclosed the monthly billing statements from GM financial from XX/XX/XXXXXXXX  to present XX/XX/XXXXXXXX  for proof of my claim.
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Columbia Debt Recovery, LLC a.k.a. Genesis is a company I had never heard of before they contacted me via email about a year ago. I sent certified mail asking they provide proof of the debt in accordance with consumer law. They refused to do so. They can only provide a stolen document from an old lease that was paid off a long time ago. This does not suffice as proof of the debt pursuant to consumer law! 
They then reported the account to the three major credit bureaus. I again demanded they provide proof of the debt. They did not. I sent a police report. They ignored the police report. Furthermore, they are attempting to collect on a debt that is older than three years old which is illegal in the state of XXXX XXXXI am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX trying to buy my first house. Genesis is breaking consumer law, destroying my good name, causing my XXXX XXXX ( who has XXXX from war ) and I significant stress, and preventing us from purchasing our first home.