davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (FL)

I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS. 
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME. 

I AM NOT A MANGER THAT IS BEING FASLY REPORTED.
Consumer complaint received 2023-08-21
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: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-03-12
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: SANTANDER HOLDINGS USA, INC. (WI)

In accordance with fair credit Reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consume reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

In the past 3 years since we purchased our second house our mortgage servicer has changed 3 times, twice within the last year alone. The new servicer, PHH Morgage, charges an outrageous fee to pay online, {$7.00} to pay online or {$17.00} to pay by phone. This is well over what actual transaction fees would cost them, around XXXX cents per transaction, so they profit {$7.00} per transaction per customer for absolutely no good reason other than to make it convenient for the servicer because XXXX forbid the customer be convenience, they can't even email a payment conformation to you. None of the other servicers had such fees. It's abhorrent to XXXX people 's wallets for something in which they have NO choice over. Consumers can not choose who services their mortgage so we get stuck with XXXX companies that charge ridiculous fees just for the pleasure of doing so.
Consumer complaint received 2023-08-20
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: Opportunity Financial, LLC (NC)

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with Opploans multiple times to get the closed account removed due to Opploans violating XXXX XXXX COMPLIANCE I have paid the balance and asked for deletion but OppLoans refuses to delete the closed account
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

CCS Collections reported {$160.00} collection account from XXXX on credit reports XX/XX/. No communication, verbal, written or otherwise. This is deceitful practice by agency. It is either not a debt owed or past XXXX and does not want to acknowledge. 

Disputed with credit bureaus.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
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 (NJ)

Landlord created an eviction proceeding in retaliation of complaints about face masks not being worn by building employees and staff after they summoned necessary interaction during the XXXX mask mandate period. Victim/tenant tried to pay rent in month that followed and landlord refused. 

In Court for the unit, the landlord attempted to make a fair use claim, but was ordered by the Judge to wait until the Court cleared the XXXX ( anti retaliation claim ) by the tenant. 

Instead of waiting for the Court to decide on the action and collect fair use through the Court, the unscrupulous landlord continued to harass, retaliate, constructively evict and then tried to make their own debt amount, including lawyer 's fees the court did not award, a claim on tenants ' credit reports via Genesis Credit Collection agency by way of an agent named XXXX XXXX. 

The agency called family members of tenants and described to them the amount and debt type owned disclosing details of a debt that didn't exist. They called non-stop several times a day over several weeks. This collection agency already had complaints against it and restarted under a new name. The original claimed debtor is XXXX XXXX XXXX, XXXX. 

They have made up a fictitious debt amount of {$23000.00} and are adding fictitious missed payment amounts each month. 

The holdover proceeding still pending is available in the XXXX housing court records on XXXX as " XXXX XXXX XXXX XXXX XXXX  ''. 

My name is XXXX XXXX and the other person they are victimizing is XXXX XXXX.
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

Jefferson Capital claims to have acquired former XXXX accounts and therefore owes me more than {$2000.00} which XXXX owed me when it merged with XXXX and which XXXX XXXX XXXX XXXX XXXX XXXX had agreed to pay as outlined in.previous complaints to this agency, XXXX and XXXX, which stated that : As the records from this agency show, in XX/XX/XXXX, XXXX agreed to pay a debt it owed me for more than {$2000.00} for refunds of charges for a defective tablet, a defective phone ; and more than 36 months of insurance I paid but which XXXX never activated according to the insurer which denied my claims for replacements of defective tablet and phone. XXXX indicated it would refund the monies it owes me. But I was repeatedly told only XXXX employee XXXX XXXX was the only person authorized to discuss the account with me. I was able to get XXXX XXXX to commit to a telephone appointment but she failed to keep it. I asked what phone number she would call from when she did call, and she did email me a number. On another day, someone called from another area code and stated she was XXXX XXXX. For months afterward, I continued to email XXXX XXXX and to call XXXX. Every other XXXX employee with whom I spoke refused to discuss the matter. I was told that only XXXX XXXX could refund the monies XXXX owes me. Several employees put me on hold to transfer me to speak to XXXX XXXX. In every instance, XXXX XXXX did not get on the phone and speak with me even when other employees said she would. XXXX XXXX did not respond to or send email messages. XXXX continued to pretend it would refund more than {$2000.00} to me until it was bought out by XXXX, but it never sent me the refund. I do not owe XXXX any money. XXXX owes me more than $ XXXX acknowledged in response to a complaint that I filed ( the third such complaint about same issue ) that it owed me nearly {$2000.00}. XXXX replied that it would issue the refund and the person assigned to do so was : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Office : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX sent me a direct email affirming this. XXXX XXXX submitted a copy of her message to the Federal Communications Commission as her response to XXXX XXXX. XXXX. XX/XX/XXXX, FCC notified me it was closing the complaint. It appeared XXXX was willing to issue the refund to me. However, after FCC closed the complaint XXXX XXXX refused to talk with me and put a note on my account that no one else at XXXX was allowed to discuss the matter. I tried desperately to get XXXX to refund the money it owed me before it merged with another company ; but to no available. XXXX the merger, I was informed that there was no mechanism available for me to collect the debt that XXXX owed me when it ceased to exist. XXXX owed me money.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the errors on my credit report. 

I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On TRANSUNION, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX GA XXXX. In addition TRANSUNION is showing the incorrect Employer of XXXX XXXX XXXX and that needs to be DELETED as well.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MS)

Collection Agency : XXXX XXXX Date Assigned : XX/XX/2022 Original Amount Owed : {$140.00} Amount : {$140.00} Collection Agency : SOUTHWEST CREDIT SYSTEMS , L.P . 
Date Assigned : XX/XX/2022 Original Amount Owed : {$630.00} Amount : {$630.00} I have reported these items several times as identity theft as I am not the responsible party of these said collection debts.
Consumer complaint received 2022-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

AWA Collections is attempting to collect a debt that was paid on time more than a year ago. I have received a collections letter via USPS. This company is not available by phone and has no Internet presence other than a payment portal that has no mechanism to contact or dispute debt. 

The insular nature in the way this company operates is unfair to consumers. Particularly for those who want to dispute the debt. The dispute process needs to be accessible from multiple platforms in an effort to ensure accuracy and convenience.
Consumer complaint received 2023-01-16
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear CFPB, I originally filed this complaint on XX/XX/XXXX ( complaint # XXXX ) which was marked as a duplicate regarding a prior complaint against the Bank of America NOT XXXX XXXX XXXX please review this complaint as this is a very different complaint asking for a copy of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING PAYMENTS AND BALANCES. 

I just received correspondence from the Bank of America regarding a mortgage ( Acct # XXXX ) for XXXX XXXX XXXX XXXX XXXX, Michigan which documented that XXXX XXXX ( Acct # XXXX ) refinanced the original XX/XX/XXXX Bank of America mortgage ( Acct # XXXX ) sometime during XXXX. Following, the XXXX XXXX  mortgage was then transferred back to the Bank of America on XX/XX/XXXX. 

According to the XXXX County Register of Deeds, XXXX XXXX never filed the mortgage nor the amendment and instead the XXXX County Register of Deeds only recording the XX/XX/XXXX mortgage and discharge of the same mortgage on XX/XX/XXXX ( XXXX County Register of Deeds documentation attached ). 

Please have XXXX XXXX send me a copy of the mortgage as well as the modification when the mortgage was transferred to the Bank of America on XX/XX/XXXX as well as filing the required documents with the XXXX County Register of Deeds. Also, please have XXXX XXXX send me a copy of all the financials associated with the XXXX XXXX  mortgage. 

PLEASE HAVE XXXX XXXX  SEND ME THE REQUESTED MORTGAGE PAPERWORK AND FINANCIALS TO MY ADDRESS : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX Thank you, XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: R.M. Galicia, Inc. (AZ)

Just recently I went to purchase a car and when they did my credit check they brought it to my attention that I have a small online loan that was issued to me from a XXXX XXXX XXXX I have never heard of this Bank nor have I ever banked with them. I have had my driver 's license and social security card and birth certificate stolen twice in the last 3 years I wasn't aware that there was anything on my credit report and now that I am I'm trying to cover all my bases before the situation gets any worse. Not only is there a strange charge from this XXXX XXXX XXXX online credit report but there's also a charge from some medical firm or something for {$1000.00} when I've had medical insurance the entire last 7 years so I'm trying to resolve that issue as well right now with my insurance company and I would like to have that taken off and credited on my account as well because you know I will get that paid and straightened out and it shouldn't be penalizing my credit.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-02-14
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. (GA)

XXXX XXXX is reporting a collection to equifax, XXXX, and XXXX that is not valid and is violating my rights as a consumer, 15 USC 1692g
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

My car was totaled on XX/XX/XXXX. My insurance carrier paid off the loan total on XX/XX/29 including an overpayment that toyota had requested them without my knowledge. I was able to retrieve my overpayment from them on XX/XX/XXXX. 
My car had an extended warranty and Gap coverage. The company has acknowledged they owe me a refund for both amounts since the loan term was not fulfilled for all 60 months. I have called the company multiple times asking for my refund. I have talked to agents XXXX XXXX in customer service, XXXX XXXX in the resolutions teams department, XXXX in the XXXX department, in addition to XXXX XXXX, XXXX and XXXX. Not 1 agent is willing to help me get my refund back stating to me I have to wait to get my money when tpyota decides they have closed out your loan giving me rangesxfrim 60-90 days.

If I was 30,60, 90 days past due on my car payment, toyota would flip out, repossess the car and take me to collections. I should not have to wait to get my money when they know for a fact the refund amount. They refuse to send me my money even under threat of a complaint to the CFPB, the XXXX XXXX XXXX and small claims court lawsuit.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flexible Finance, Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.