davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

This company operates under two names Columbia debt recovery and Genesis collections. They have put a negative mark on my credit without notifying me of debt. When I called, I first spoke with someone named XXXX who was rude, kept talking over me and said that my complaint was " not a big deal '' and that they have something called " a hardship '' that might be able to lower my amount due. He then stated that theres no rush on it as his sarcastic implication was as if I couldnt pay it anyways. 

Problem is-THIS IS A BIG DEAL to me and I asked for an itemization of what they are trying to collect on. I even asked for proof that they are who have been put in charge by XXXX to collect. This person was sarcastically speaking so I asked for a manager. I spoke with XXXX XXXX who did speak professionally and heard me out without speaking over me. Still, this company refuses to remove this collection from my account while correcting the amount due errors or giving me a chance to pay any correct amount and instead, XXXX stated " we will update it '' with the correct amount due. However, this shouldnt be there at all because they never gave me a chance to pay the correct amount before putting this on my file. XXXX also stated that he has had the account since XX/XX/XXXX and that they mailed me a letter of the debt. I told him that you did not because I would have received it and it would have also been pictured in my informed delivery from the USPS which nothing from their company has been. I also asked for any proof of mailing me such notification and he said they arent required to have that. Still, XXXX refused to remove this from my account. This is a collection, full of fraud/eroneous billing that has been placed on my credit file ( s ) under two different names.
Consumer complaint received 2023-07-19
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. (AL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2015-04-14
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: DTA GROUP LLC (TX)

Parents and wife ( on her office phone ) received calls, from DTA Investigations, stating the I had lawsuit against me and needed to speak to me. I called them back and they informed me that I had a pending litigation against me from XX/XX/2008. I informed them that in the state of Texas I could not be sued after 4 years. They argued with me and accused me of lying about the medical bill, " So your saying on the record call you have never been to this location ''. I informed them I have never been treated at the facility in question. He again said this call is being record and repeated the statement above.
Consumer complaint received 2023-09-05
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Alessi & Koenig, LLC (CA)

On XXXX XXXX, 2014, a debt collector threatened to take my home if I did n't pay them the XXXX they claimed I owed them. I did not owe that money asked for a breakdown of fees they refused to give me the explanation of their fees. They thought I was behind on my Home owners association fees but I paid them they refused my checks and returned them. This attorney firm located in XXXX XXXX was determined to auction my home I paid XXXX for in XX/XX/XXXX. On XX/XX/XXXX without warning to me or the mortgage lender, they auctioned off my home for XXXX when it is worth XXXX in current market. They left me with a XXXX mortgage that I am still responsible for. My lender is still paying the taxes and Insurance and charges all this to me every month.This firm is corrupt and has racketeering charges and convictions. They bribe as many people as they can and have taken over XXXX properties. We do not have XXXX for attorney fees to fight these cases. They take these homes and milk them for rents until the bank forecloses on me. They have taken the title out of my name and threatened to call the police if I step XXXX foot in my home. 
I need help getting this property returned to me I do not have attorney money, I want your organization to look into this Alessi & Koenig and find out why all these courts are allowing this ...
Consumer complaint received 2023-01-26
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXd : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX XXXXK XX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-25
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. (RI)

XXXX XXXX XXXX Opened XXXX XXXX, 2017 no balance but showed i paid {$51.00} is reporting on my credit report and this account does not belong to me. I don't know who the company is. It is hurting my report.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MS)

I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The XXXX XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. The payment information history for the accounts opened on XXXX XXXX and XXXX XXXX is incorrect. To start, both of these accounts were paid in full in XXXX XXXX which is reflected on the payment history for the XXXX XXXX account by being labeled as current, however for the XXXX XXXX account there is missing payment history.
In addition, The XXXX XXXX account payment information for XXXX XXXX is reported as current, but for the XXXX XXXX account is reported as XXXX-XXXX days late. This is frustrating because XXXX  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be XXXX days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XXXX XXXX. I had first disputed with all XXXX credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the XXXX accounts I am requesting help with listed above. Thank you!.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My business debit cards were stolen from my mail box, my bank had sent my debit cards with ( factory pins ) to my business address, I had no knowledge of this until the day the transactions happened. ( I had no knowledge of this because i still did n't have access to my mailbox, i was waiting for the landlord to give me the key for the mailbox ). I contacted my bank as soon as possible and reported the incident but i was asked to wait until the transactions posted. I had also requested that all the cards linked to my account to be cancelled immediately but the representative failed to do one of them so more transaction posted the next day.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Failure to Correct Inaccurate Information Pursuant to 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally lodge a complaint against Experian, XXXX  of the major credit reporting agencies, for their continued reporting of inaccurate information on my consumer report, despite my efforts to have this matter corrected through their dispute resolution process. This complaint is in regard to the account with XXXX XXXX XXXX  XXXX, account number XXXX. 

On XXXX, I submitted a dispute to Experian concerning inaccurate information on the aforementioned account. As required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, Experian was obligated to conduct a reasonable reinvestigation of the items in question to determine their accuracy. 

Despite this requirement, on XXXX, I received a response from Experian indicating that their reinvestigation was complete and that they had verified the information as accurate with XXXX XXXX XXXX  XXXX, choosing to continue reporting the disputed information on my credit file without any modification. 

It is my contention that Experian 's reinvestigation was neither reasonable nor adequate, as the information reported is demonstrably incorrect. 

The continued reporting of this inaccurate information has had a detrimental impact on my credit score, resulting in me not able to apply for credit and suffering from financial distress and XXXX  interest rates. This situation is unacceptable and in violation of the FCRA, which is designed to ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

I respectfully request the CFPB to intervene in this matter to ensure that Experian complies with their legal obligations under the FCRA, specifically : XXXX. To conduct a thorough and reasonable reinvestigation of the disputed information on my consumer report concerning the XXXX XXXX XXXX XXXX account. 
XXXX. To correct or delete any and all inaccurate information found as a result of such reinvestigation.

XXXXXXXX  To provide me with a written summary of their findings and a copy of my updated consumer report post-reinvestigation. 



Thank you for your attention to this urgent matter. I trust that the CFPB will take appropriate action to ensure compliance with the FCRA and to protect consumers from the harmful effects of inaccurately reported credit information. 

Sincerely,
Consumer complaint received 2024-03-04
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. (MD)

I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.
Consumer complaint received 2023-07-15
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. (MD)

This is my 8th 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 XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-04-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

I opened a bank account and deposited {$15000.00} with chase ( XXXX XXXX ) in XX/XX/XXXX. I withdrew the money in XX/XX/XXXX when, the bank associate did no disclose there would be a XXXX/month service fee. 
I checked my account on XX/XX/2017 and found that I have been charged XXXX for {$200.00} balance and there will be additional XXXX charge. 
Although I called to close my account on XX/XX/2017, the charges are not refundable.
Consumer complaint received 2024-03-04
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-05-27
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. (TX)

I am contacting you to request the removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence violates the FDCPA and FCRA. I insist on their immediate deletion and removal from my consumer report, as their continued presence constitutes a violation of multiple laws. I kindly request that you promptly take action to remove these accounts and associated information.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

First of all, the alleged debt they are harassing me about has already been charged off. Second, they sold to a third party, then randomly said they decided to recollect, even though they already received credit on the account, twice, from my understanding. 
But the issue this is actually about is repeated phone calls, way more than 7 in a 7 day period. 
Anytime I have answered, no one says anything.
Consumer complaint received 2023-05-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-12-15
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. (IL)

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to them.
Consumer complaint received 2024-03-04
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. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, 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 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (NY)

I graduated from the XXXX XXXX XXXX in XXXX. When I left college, I had {$11000.00} in debt. Pursuing an artistic career, I took a series of low-paying jobs, and only paid the minimum amount on my loan. When financial problems surfaced, I would take forbearances. But -- I did make payments. Though I have found the history of my loans on the Federal Student Aid page, I can not find a record of my payments. Do you know where I might get this information? My loan was sold twice -- once to XXXX in XX/XX/XXXX, then to Great Lakes in XX/XX/XXXX. Though I have made many payments throughout the years, my loan has metastasized from {$11000.00} to XXXX, not including the interest, which totals {$8100.00}. I admit that in my XXXX I was not diligent about understanding what I was signing up for. Now, even though I make a solid income, I still run into financial difficulties now and then -- recently, my mother became sick and XXXX XXXX, necessitating a great deal of travel for me. While I pay down that travel debt, I am not making payments on my loans. I despair of ever being able to pay them in full, and question whether that jump from {$11000.00} to {$69000.00} is a legitimate debt. I am attaching the documents I found on the Federal Student Aid page. Is there any recourse? Thank you for reading.