davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A. (DE)

On XX/XX/XXXX I received a letter from PKMP XXXX XXXX indicating that I owe a balance of XXXX to XXXX XXXX XXXX 1. My response was a phone call to PKMP on XX/XX/XXXX in which I spoke to XXXX XXXX. I indicated that I would make a payment arrangement of 100/mo to begin XX/XX/XXXX after receipt of written confirmation. 

On XX/XX/XXXX I again called and requested to make a settlement. I spoke to XXXX who told me that only a Supervisor could approve a settlement and to call back on XX/XX/XXXX. However, after reading numerous negative reviews online and also on the XXXX  website, I chose to send a certified letter requesting verification of debt and proof that they actually are assigned or owned this debt currently. On XX/XX/XXXX I received statements from XXXX and XXXX none of which indicate a balance of XXXX. This is insufficient proof that PMKP actually owns or is assigned to this account currently. 

On XX/XX/XXXX I spoke with XXXX XXXX  who indicated that the account was sold to XXXX XXXX on XX/XX/XXXX. However, this was never updated on my credit report as being charged off and is currently showing as XXXX XXXX  open account. As a result of this, my credit score continues to decrease as it appears as though this account is open and I am not making payments to XXXX XXXX. 

I have disputed this with XXXX  on 2 previous occasions. The most recent dispute result on XX/XX/XXXX indicated that the account is accurate as being owned by XXXX XXXX  and to contact XXXX XXXX. Upon contacting XXXX XXXX  on XX/XX/XXXX, they stated that they do not have this account and can not update my credit report even though it should have been updated by them when they sold it to XXXX XXXX on XX/XX/XXXX. Neither XXXX XXXX, XXXX XXXX or PMKP has updated my credit report per FCRA rules. 

On XX/XX/XXXX I spoke with XXXX XXXX and was told that the account was assigned to PMKP on XX/XX/XXXX. Again, this is NOT indicated on my credit report so I have know idea whether they are actually in receipt of this account. 

On XX/XX/XXXX I spoke with XXXX from XXXX XXXX  and explained the above. She stated that they no longer have the account and that this was indicated to XXXX  when contacted regarding the most recent dispute. I then asked for an Account Specialist. I was transferred to XXXX. After again explaining the entire scenario and her consulting a Supervisor, she stated a letter indicating that they no longer have the account will be sent to me in 5-7 working days. 
To summarize all this I need to be completely sure that PMKP  has this account currently before I make payments. The letters I received from PMKP  state that they are collecting for XXXX XXXX XXXX 1 llc not XXXX XXXX, again adding to this confusion and doubt. 

I need to be completely sure that PMKP are actually in receipt of this collection account currently prior to submitting any payments. Under the circumstances, I find this to be very reasonable.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2020-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

I received a letter dated XX/XX/2019 from American Coradius International stating that I owed a debt regarding my account with XXXX. I have an account with XXXX, but it has no balance. 

The letter further stated that if I did not respond in writing disputing the debt that they would assume the debt is valid. This caused me significant emotional stress and caused me to undertake the time and expense of sending a certified letter disputing the debt. 

On XX/XX/2019, I took time out of my busy schedule to physically travel to the post office and to send a certified letter disputing the debt, and undertook the costs thereof. 

I have not heard back from them since. 

In trying to collect a debt from me regarding a XXXX account, when I have a XXXX account in good standing, American Coradius International failed to exercise due diligence in identifying the person responsible for the debt, and in so doing caused me 1 ) emotional harm, 2 ) loss of time, and 3 ) monetary cost. The company is therefore guilty of willful negligence, and of causing harm to me through that negligence.
Consumer complaint received 2023-02-12
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXX XXXX XXXXAccount Number : XXXX ;
Consumer complaint received 2023-06-09
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. (NY)

I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately
Consumer complaint received 2023-01-18
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. (NY)

XXXX XXXX XXXX HAS OPENED AN ACCOUNT ILLEGALLY AND SOMEONE USED THIS Unauthorized account now is past due and charge off has been posted incorrectly in my credit report.
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 — Account status incorrect
Company: Onity Group Inc. (PA)

I have a mortgage loan from PHH MORTGAGE SERVICE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PHH MORTGAGE SERVICE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and PHH MORTGAGE SERVICE with no successful resolution. XXXX reporting me 30 days late in XXXX of 2022. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-01-18
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. (GA)

My name is 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (GA)

I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesng the Credit Bureaus to invesigate and remove the inquiries being reported on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these inquireis or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. While I am uncertain about the exact nature of these unauthorized inquiries, I trust that you will conduct a thorough investigation to determine their legitimacy.
Consumer complaint received 2023-01-18
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)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX {$410.00}
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

I submitted with Ameris bank paperwork and check of {$150.00} for appraisal to get my PMI dropped in late XX/XX/XXXX. XXXX was completed XX/XX/XXXX. On XX/XX/XXXX loans was sold by Ameris bank to XXXX. I have spoked many times to both banks. On XX/XX/XXXX I was told by Ameris bank that everything will be transferred over to XXXX when completed on their end. An additional call I was told by XXXX that everything would be completed by XX/XX/XXXX and sent to XXXX for my PMI to be dropped off loan. On XX/XX/XXXX XXXX stated everything was send to XXXX and they have the appraisal. As of XX/XX/XXXX XXXX does not have the information needed from XXXX. On XX/XX/XXXX XXXX stated that my documents were still in research stage and will not be completed till XX/XX/XXXX.
Consumer complaint received 2023-01-18
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. (VA)

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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( XXXX  ), 15 USC 1681 and 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, AS PER TITLE 15 USC 1681, 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ), THESE ACCOUNTS HAVE VIOLATED MY RIGHTS.

Also, 15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 a Section 2 : It states, a consumer reporting agency can not furnish an account without my written instructions. I have NOT given permission or written instruction to furnish an account.

Furthermore, 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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: Experian Information Solutions Inc. (WA)

I have specifically asked Experian, XXXX, and transunion to delete all information that is not correct. I have requested that they only have my legal name ( XXXX XXXX ) my legal address ( XXXX XXXX XXXX, XXXX XXXX, WA XXXX ) and my legal date of birth ( XX/XX/1981 ) There seems to be multiple different names, and different addresses on my credit report. They have not removed them, and it is not legal to have the incorrect information. 

Thank you for taking care of this. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

In accordance with the Fair Credit Reporting act XXXX Account genesis credit managementXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account, 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 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I received an alert from XXXX XXXX XXXX XXXX XXXX that there was a collection debt on my XXXX account {$680.00} on XX/XX/2022. I immediately disputed it with the credit Bureau XXXX on this same date. I also wrote and sent a certified dispute letter to the collection agency where the dispute came from on XX/XX/2022 asking for an accurate validation of the debt this agency stated I owe and their right to collect this debt from me. I received a bill from identifying my name and that this agency states that they are in receipt of verifying the referenced account I inquired about. The account was not verified correctly as requested. Credence Resource Management has enclosed to me a XXXX XXXX dated in for a bill period of XXXX XXXX- XXXX XXXX with an account number and amount of the bill in question with and address that I never has lived at. I currently have an account with XXXX so my personal information must have been used to obtain an account in my name. Credence took advantage of this matter and is now trying to collect this amount from me without a proper validation. I believe I have been a victim of identity theft for a charge I did not authorized in my name and the address on the XXXX XXXX is not on my XXXX credit file. There are no signatures stating I made this account valid for collections with this agency. This request is being made in pursuant to the Fair Credit Billing Act Amendments to the Truth in Lending Act. 15 U. S C 1666-1666b, 12 C.F.R, 226.13. I'm requesting for this to be made fair and remove from my credit report because it is damaging to my credit.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CT)

Transactions were made from my XXXX XXXXXXXX XXXX checking account that I did not make. 
I received a text message with XXXX XXXXXXXX XXXX header asking if I made those transactions to which I replied no I immediately received a call from a man posing as a XXXX rep. They walked me through steps which lead to me sending a XXXX  transaction of XXXX. 
XXXX XXXX  XXXX is denying reimbursement saying that I initiated the transfer so I am not entitled. 
It was the fraudulent charges that were initially made that allowed the criminal to gain my trust.
Consumer complaint received 2023-06-09
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. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.