davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (MO)

I am submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove from my credit report.
Consumer complaint received 2017-05-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bowen & Associates Recovery, Inc (GA)

I received a call on   XX/XX/XXXX  for th e first time from an "  XXXX   XXXX  '' who states he represent s Bowen and Associates  (  XXXX  ) stating my husbands company owes his client {$5300.00}, very antagonistic, making personal attacks, would not answer any of my questions explained to him I didnt have anything to do with the company and asked if he had called my husband. I thought it was a scam.Then he called my work number and did the same thing on my work number ( I work at an   XXXX   XXXX   ). Since my husband nor I knew anything about this debt ( it seems to be related to my deceased father in laws  XXXX  that my husband took over ), we started looking into it.  XXXX   XXXX  called my   XXXX   s  tating he was coming to serve me papers ( he is located in Tx and not Ga  ) and told her information about the debt. He also told me he would be coming to  my house to take pictures of it and to my work. He was instructed not to come to either location. He was also instructed not to call my work number.  Hes  continued to call and leave harassing messages on both my husbands and my cell numbers and my work number ( I have recordings of the antagonistic and degrading calls ) Last night he called the  XXXX  late in the evening and my   XXXX   answered and he represented himself saying that I had " hit his truck last week and owed him money '', my husband is looking into the debt with the actual company he states we owe it to and is working to make arrangements ( even though it was a debt related to his dads estate and when he was running the company ) and has informed  XXXX   XXXX  of this and asked him to stop calling, I 've called and made a police report as requested by my  XXXX /employer because they are concerned about the calls and him stating he is going to come to the   XXXX  . I have limited knowledge about the company, my husband has only acquired partial ownership since his fathers death and only owns   XXXX   XXXX    of it (    and, it was a ctually only  XXXX  up until last month ) - we are working to resolve this with the company we owe the debt to but it will most likely be over time.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

My ally financial account # is : XXXX This account is XXXX years old. I have XXXX bank accounts stored on file in ally financial auto app I been using since inception of loan ( XXXX ) ... ... I RECENTLY FILED A CPB COMPLAINT AGAINST ALLY REGARDING XXXX LATE PAYMENTS THEY WERE REPORTING ... ... .after directly disputing with them & bureaus for two years & two years of THE only negative late payments, it was finally corrected as a result of my complaint with you all! 

Now I seem to be experiencing some retribution or hazing! 

My wife made a payment in amount of XXXX on XX/XX/XXXX using her XXXX XXXX routing/acct number ( XXXX ) which is listed on my ally app ( I been using ally apt to pay since day XXXX ) ally state payment was returnedXXXX XXXX  shows XXXX deducted on XX/XX/XXXX & there has been no return of money since. THE MONEY IS MISSING AS OF DATE then I personally made a XXXX payment last wednesday ( XXXX ) using my listed XXXX acct XXXX which Is again listed on account & used for last XXXX years. IT TOO WAS RETURNED! 

I looked in app to see payment info & why returned. It had an different last digit on account ( XXXX vice my account XXXX ) SO SOMETHING IS GOING ON!!!!! SOMEBODY IS PLAYING GAMES!!!! EVERY SINCE LATE PAYMENT DISPUTE! 

My XXXX payment account been used & stored for XXXX years. All I do is click on it! 

In fact, both MY XXXX & MY WIFE XXXX IS STORED. There's no manual input during payment just a click WELL I BERN CALLING SINCE XX/XX/XXXX ABOUT HER XXXX PAYMENT & NOW ABOUT MY XXXX PAYMENT & IM ON PHONE XXXX NOW GETTING TRANSFERRED OVERSEAS TO LADIES WHO HAVE NO CLUE WHAT THEY TALKING ABOUT. They refuse to put me on phone with supervisor here in states! LADY TOLD ME MY WIFE MADE XXXX PAYMENT USING SOME ACCOUNT # WE HAVE NO KNOWLEDGE OF. SHE ABSOLUTELY COULDN'T ANSWER HOW MY ACCT LAST DIGIT CHANGE. told me to ask my wife. LBS XXXX cans my XXXX payment but my wife 's XXXX been missing & not returned since XX/XX/XXXX!!! -
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Mar Joe Enterprises (TN)

I have this removed from XXXX  I dont owe this bill. Its not mine. Ive never lived at that address or gave anyone permission to have stuff turned on in my name. The address is not in the XXXX XXXX utilities district. Dont go that far in that city. Im getting XXXX and they are putting things in collection when I filed bankruptcy on it. XXXX in XXXX, TN is the name of company.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Company continues to show delinquent account older than XXXX years. I have sent written communication to remove incorrect information with no change. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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. (MO)

I am submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove from my credit report.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -Because of -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  #, XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX Account name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Hello, I receive repeated collection attempts from COLUMBIA DEBT RECOVERY LLC DBA GENESIS attempting to collect money that I DO NOT OWE to previous apartment complex XXXX XXXX. Before ending my lease at this apartment, several letters were posted on my door, and I assume other tenants ( XXXX XXXX ) concerning options to end lease due to COVID-19 income loss. During this time, our leasing office had no one working on the premises for months - I reached out via email and asked a representative what kind of notice would I need to provide to end my lease and I was told that I needed to provide 60 days notice to avoid having to pay any additional money. I provided written notice via email early XX/XX/2020. I received no collection attempts for ANYTHING owed by XXXX XXXX until Columbia Debt Recovery started harassing me and placed and erroneous {$6000.00} collection debt on my account. They have provided a print out with a break down of charges but I dispute them wholeheartedly. I was given permission to break my lease with 60 days notice and I do not owe this money that is hurting my credit. I request that this account be closed and the balance deleted from my credit report as soon as possible.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NY)

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : 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 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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXXBalance : {$74.00}
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is reporting a collection account on my report from XXXX XXXX that is fraudulent. I disputed and requested verification for the account over a month ago and received no response or validation that the account belongs to me.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX POSTED XXXX XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX  XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XXXX & XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XXXX & XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX  POSTED ON XXXX XXXX XXXX  POSTED ON XXXX & XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, XXXX & XXXX XXXX XXXX POSTED ON XXXX & XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX
Consumer complaint received 2020-02-19
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX, I disputed an account on my credit report with Capital One as I was a victim of identity theft. Upon Capital One doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, XXXX, XXXX  and XXXX to delete this account from my credit file. 

Capital One did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, XXXX XXXX XXXX reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from Capital One on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that Capital One would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would XXXX XXXX XXXX proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not XXXX. I corresponded with XXXX  directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from the two other major credit bureaus already. 

With all of that in mind, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.
Consumer complaint received 2023-05-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpha Recovery Corp (TN)

I had a debt from XXXX XXXX XXXX that went into collections and was contacted by Alpha Recovery Corp for the balance of {$1200.00}. I agreed to settle this debt for a lower amount of {$1000.00} in XXXX of 2022 and a payment plan was set up which was completed in XX/XX/2022. I have now been informed through my credit report that I owe a balance of {$360.00} to XXXX XXXX XXXX. Alpha recovery Corp has since been permanently closed and I am unable to obtain records through them. I have asked XXXX XXXX XXXX where the {$360.00} came from as this amount does not match my records. They were unable to obtain a breakdown of where the {$360.00} balance came from or how it was calculated. Instead, I was given another opportunity to settle the debt that had already been paid for {$100.00} stating this was the balance still owed per the settlement agreement. I have email correspondence from Alpha Recovery Corp outlining the initial settlement agreement and I have bank statements showing proof of my payments. I never received any correspondence from Alpha Recovery Corp or XXXX XXXX XXXX that this debt has not been paid or settled as agreed and the only correspondence I have received was through the credit reporting bureaus.
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (TX)

XXXX. CFPB XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall cease and desist all communications with the consumer, through all mediums of communication including the credit report. Also, do not engage in any conduct or communication to harass, oppress, or to abuse me, the consumer. 

Acc CFPB 12 CFR 1006.34, I am requesting validation of this debt. I am also requesting all the information in the 12 CFR 1006.34 Notice of Validation section. Please provide me with the debt collector communication disclosure which is clear and conspicuous. 

You are using false and deceptive practices, and abusing, harassing and oppressing me to collect on an assumed debt.