davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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 (MO)

An apartment application was submitted in Florida, a state in which I have never lived. Someone used my name and social security number to apply for an apartment. A deposit check was written and returned due to insufficient funds. 

Debt collection agency Columbia Debt Recovery is seeking payment of {$500.00} on behalf of their client Genesis and/or XXXX XXXX XXXX XXXX XXXX 

I have never lived in or attempted to live in the state of Florida. Whoever filled out this application most certainly was not me. I have asked for supporting information from Columbia Debt Recovery outlining what they believe I owe and have not yet received this information. 

This agency has threatened to post this as an unpaid collection debt to my credit report.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-09-01
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. (MO)

I am submitting this CFPB complaint about the Charge Off account upon checking it in my credit file and I supposed that credit bureaus should remove this charge off account in my credit file. I found out that the account XXXX XXXX XXXX still on my credit file which is appeared as charge off, the fact is, I've been disputted it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the charge off reported on the above-mentioned account is inaccurate. I have diligently made efforts on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I am pleased to request that you investigate this matter promptly and help me remove the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the removal once the investigation is complete. With your assistance, this account XXXX XXXX XXXX XXXX Balance : {$7900.00}, should be removed right away.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (KS)

The principal unpaid balance of my mortgage is {$130000.00}. The value of the home is around {$300000.00}. 
I have requested Truist Bank on several occasions to remove the PMI as the value of the home was in excess of 78 % for several years. They refused to remove it and continue to charge it. The continuation of charming me a PMI at this point is illegal but i can not make them remove it.
Consumer complaint received 2023-09-01
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. (WA)

My credit report is still showing late payments on the XXXX XXXX account despite the previous appeals sent to Experian. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service representative.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-14
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary XXXX-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX contacted Transunion today at around XXXX PST. He was repeatedly hung up on, disconnected, provided false and inappropriate guidance from numerous representatives as XXXX was advising of a case number concerning fraud on his Transunion profile exclusively. XXXX had spend numerous amounts of his time explaining simple things like email address information, police report numbers and was not allowed to provide all the information XXXX was trying to provide to Transunion. XXXX is a victim of consumer fraud and Transunion is not complying with the removal of inappropriate remarks on his credit profile. XXXX in one instance was providing the police report number to a Transunion worker, and the worke disconnected the call after reading back the police report number numerous times. Providing an email address to another worker became very difficult as well, as the worker began reading back worded that are not even English. 

This is serious. It should not be this difficult to get fraudulent remarks removed from a credit report. In fact XXXX feels that they are working to not remove the remarks with the so backwards and ignorant mannerisms and behaviors. Transunion should not be asserting false and misleading information and then working to keep it on he report when there is a police investigation into the conduct of the merchant not exclusive to just XXXX. 

XXXX was trying to provide the following information and is unsure if Transunion properly recorded it. 

Case Number : XXXX Station : XXXXXXXX XXXX XXXXXXXX investigations Phone Number : XXXX Investigating Officer : XXXX ( Badge XXXX )
Consumer complaint received 2024-03-31
Product: Credit reporting 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. (NJ)

According to 15 use 1681eb Everything must be XXXX percent XXXX accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2019-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

PayPal is charging me for a fraudulent transaction and has a negative amount of {$1300.00} on my account. I have tried to resolve this many times but they are blocking my emails and demanding me to pay this fraudulent transaction. I did not authorize or give consent for this money to be taken out of my account
Consumer complaint received 2024-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (MI)

On XX/XX/2023, I sent a validation demand letter to Diversified Adjustment Services requesting a full validation of debt on an alleged debt that they claim that I owed. I received no response.

Imagine my surprised, when I viewed my credit files, and this fraudulent debt is now listed on my credit files, after they refused to verify the debt, and chose to ignore my legal request for the demand. This has dropped my credit scores over XXXX points, and has caused me a lot of grief and harm for a debt that is not mine, and that I do not owe.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (MD)

The collection account reported by XXXX XXXX XXXX XXXX was reported XXXX XXXX as Paid, but still showing on my credit report tarnishing my ability to obtain credit. I would like for this to be removed.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (WY)

COMPLAINT FORM I am a XXXX born in XXXX. On a social security payment of {$920.00} retirement monthly I was issued a credit line of {$4000.00} with a XXXXXXXX XXXX XXXX XXXX. Way beyond my age and means ... ( Credit Baiting ) I was financing 2 businesses at the time and was using this this credit for my living expenses as a Business line of Credit. 
I was sending in {$300.00} a month to cover the payment and the balance kept kept rising. 
I requested the account be locked and closed in XXXX... No response, balance kept rising. 
This was totally out of control causing a financially taking advantage, bullying, and Elder abuse situation. 
There has been an increase of {$500.00} in balance after I requested the accounts being closed. 
I need help in dealing with this situation as it is out of my hands, and I need protection as I will be put into collections as the balance continues to rise. 
It seems all my online accounts have been compromised, and information disseminated Is all this a coincidence? 
Paypal Master card Raided canceled. 
XXXX  XXXXXXXX XXXX XXXX raided canceled. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX canceled. 
XXXX XXXX XXXXXXXX XXXX XXXX canceled. 
Documentation forthcoming
Consumer complaint received 2024-01-30
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: BARCLAYS BANK DELAWARE (CO)

There is a Barclays account ending in XXXX that is fraudulently reporting on my credit report. I reached out to the company and they have sent back information with XXXX different addresses. This only proves my point that the account is fraudulent as I dont live in Florida or California , and they have statements and account setup there. This account needs to be removed from my reporting within 7 business days or I will take legal action due to the harm of my reputation that this report is causing.
Consumer complaint received 2024-01-31
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. (GA)

Experian, & XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my report. My address is XXXX XXXX XXXX  XXXX GA XXXX there should be no other addresses on my report. There are several addresses reporting that are non mailable and should be deleted. The Employer XXXX should also be deleted.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Torriere Holdings INC (TN)

XXXX XXXX Received a bill from debt collector Spire recovery solutions XXXX Www. Spirererecoverysolution. Com Stating I owe {$3700.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This has been paid in full photo copy 's stating as well. 
Further more. I have no income now due to health issues.
Consumer complaint received 2022-11-17
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX .... Balance : {$17000.00}
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (PA)

I originally submitted a XXXX  complaint and did not know how to respond to Diversified 's response. I submitted the following complaint : " This was purportedly an unpaid gas bill from the XXXX XXXX XXXX. A notice of which was never sent to me. Regardless of the amount, XXXX was paid on XX/XX/XXXX. Diversified has updated the collection status to unpaid on my XXXX report greatly reducing my score and affecting my ability to get credit. 

Diversified then responded on XX/XX/XXXX below : " Dear XXXX XXXX XXXX : Thank you for the inquiry regarding the above-referenced consumer. Our office values the feedback of the consumers we serve and hope to reach an amicable resolution with the consumer and your office. 
I have reviewed our notes and the documentation provided by the consumer. The account was placed in our office for collection on XX/XX/XXXX with a balance of {$300.00} owing to **************** XXXX. On XX/XX/XXXX, we mailed the model validation notice to the consumer and said notice was not returned as undeliverable. The consumer made payment on this account on XX/XX/XXXX. 
We have correctly notified the credit bureaus that this account is paid. We have complied with all state and federal laws. '' However, the account remains on my XXXX credit report in violation of the FCRA. I recently submitted a dispute with XXXX about this account, ending in XXXX, and as of XX/XX/XXXX XXXX still reports the account as XXXX. 
Diversified is in violation of numerous federal and state laws.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (TX)

Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : XXXX. A copy of the original XXXX XXXX XXXX or Assignment document legally transferring this specific account and amount from the original creditor to your collections company. 

XXXX. Proof that you are licensed to collect debts in Texas. 

XXXX. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents. 

NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION OR VERIFICATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS, i.e. MERELY EVIDENCE OF DEBT. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX. Please delete these accounts ASAP.