davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Columbia Dept Recovery. I have contacted company several times also request debt validation letters. Company will not respond company has never sent me anything. I have never heard of or done business with company. My rights have been severely violated. I am XXXX XXXX XXXX and stuck in a mild infested home because this company is reporting inaccurate information and fails to respond to have it removed. They are continuing to lie to bureaus.
Consumer complaint received 2023-07-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  has falsely reported debt, false dates and false statements/signatures since XXXX on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXX XXXX  twice to remove them and they did, only to have XXXX XXXX XXXX falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!
Consumer complaint received 2023-07-31
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX and XXXX are reporting the correct information however Equifax has been retaliating ever since the Equifax data breach and is purposefully not reporting correct information- they even removed my military service information from my credit report. I have filed several CFPB ( e.g. XXXX with supporting documentation ) report regarding my address. I have a right to dispute inaccurate information in my credit report and have contacted Equifax several times via phone and email. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Regarding Addresses where I have lived : # 1 XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX XXXX ) # 3 XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX ( XXXX XXXX ) # 4 XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX ( XXXX XXXX ) # 5 XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX XXXX ) # 6 XXXX XXXX XXXX, XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX ) Occupation : United States XXXX Veteran - also update my Military Star Account Licensed CA Real Estate Investor My credit report must be accurate because it has an impact on my livelihood. USPS just stole my pacakge- this false imprisonment illegal acts have no place in government.
Consumer complaint received 2024-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

My wife and I purchased a property back in XX/XX/XXXX. Between XXXX and XXXX my bank, XXXX, sold my mortgage to another bank, PennyMac. In XX/XX/XXXX my insurance company, XXXX, was reaching out to the bank for policy payment, around {$1600.00}, but they were reaching out to XXXX. I received a letter in XXXX XX/XX/XXXX from XXXX XXXX that I need to make a payment or my policy would be canceled. I called PennyMac and relayed this information. 

In XX/XX/XXXX PennyMac notified me my property had no insurance coverage. I was able to get new insurance through a different company, XXXX XXXX. 

In XX/XX/XXXX I received a PennyMac statement that said I owed {$2800.00} instead of the usual {$2200.00}. When I asked PennyMac bout this I was told the increase in mortgage was due to a shortage in my escrow account from a lender based insurance policy that was placed on my account for the year XXXX. XXXX stated that their notes show that when I gave them notification to pay XXXX in XXXX XX/XX/XXXX, they reached out to XXXX XXXX process a payment. During the coordination between PennyMac and XXXX, PennyMacs notes show that they were trying to send a payment by overnight check, however, XXXX could not verify the address so it was conveyed that PennyMac would send the payment by mail. 

When I spoke with a XXXX representative, I was told the police was canceled on XX/XX/XXXX, the day before PennyMacs payment arrived. I was also told XXXX does not have any notes that PennyMac conveyed to them payment was going to be sent by mail or XXXX would have placed a payment hold on my account. 

PennyMac thinks I am liable for not having insurance and I think PennyMac is liable for letting my insurance policy laps in XXXX. It is the responsibility of PennyMac to make my insurance and property tax payments on time. Although I gave them late notice in XXXX, The failure occurred during the conversation PennyMac had with XXXX to send the payment needed. For this reason I would like {$3500.00} lender based insurance policy payment put back into my escrow account. They are refusing to do so. 

PennyMac representative stated they do not have the option to send me evidence that they coordinated with my insurance company in XX/XX/XXXX. PennyMac representative also stated that notes show PennyMac tried to reach out to XXXX multiple times during the year in XXXX and received no response. I was not aware of any problem until I was notified I did not have insurance by PennyMac in XX/XX/XXXX.
Consumer complaint received 2023-06-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (OH)

This company purchased a debt from another company which is identity theft and now this company is manipulating the security which is also security fraud a federal offense. I have no knowledge or have I given this company no consent to possess my personal information including social security number 5 USC 552 ( a ) 16 CFR 313.7-433.2-433.3 the Privacy Act Of 1974 restrictions on such sharing
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-01-05
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: Experian Information Solutions Inc. (IL)

I contacted XXXX XXXX XXXX, a debt reported by XXXX XXXX XXXX. I spoke with XXXX, the assistant manager, and she told me they can't find anything with my information in their records for XXXX XXXX for any evictions. She said the corporate office reached out to her about my time there and they couldn't locate any information about an eviction.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. Lastly please remove the following inquiries as I did not give permissable purpose to have my credit report check. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-05
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. (LA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-05
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. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (NV)

This complaint is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The banks are reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, 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: Nelnet, Inc. (TX)

My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/GL reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. I believe I did not sign any paper authorizing these inquiries. Delete them now : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I accepted a balance transfer offer from this Fifth Third Bank credit card on XXXX XXXX XXXX Terms of the balance transfer were for a 5 % balance transfer fee, which amounted to {$950.00} on a {$19000.00} balance transfer. The offer was for 0 % interest on the balance transfer through XXXX XXXX XXXX 

My second bill showed a {$15.00} interest charge on the fee portion of the balance transfer, which was deemed a " purchase. '' But this was not a purchase, it was a fee charged by the bank for the balance transfer. When I complained, the fee was waived. My third bill came back with a {$14.00} interest charge, at which point, a representative said the interest charge could not be waived. After escalating, that fee too was waived, but it's clear that Fifth Third intends to keep charging interest on the remaining fee portion for as long as it takes to pay off the balance transfer. 

The balance transfer fee is not a purchase, and should not be subject to the card 's purchase interest rate. No other credit card provider that offers balance transfers attempts this fraudulent practice. As it appears Fifth Third is steadfast in trying to charge interest on the balance transfer fee, I am filing this complaint.
Consumer complaint received 2023-06-02
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-02
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. (TX)

This is my Complaint that I was the victim of identity theft. Based on Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am sending my CFPB compIaint to inform you that I have been patiently waiting on the response of the Credit Reporting Agencies about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Sections 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3000.00}.