davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is Experian. Thank you!
Consumer complaint received 2021-10-01
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I sent a certified letter ( Tracking # XXXX XXXX XXXX XXXX XXXX ), a notarized affidavit and a copy of my photo ID to Experian that was received by them on XX/XX/XXXX. I notified them letting them know that these accounts were not mine. At that time, Experian only deleted the inquires that were on the notarized affidavit, but they never removed the accounts that were listed. Because its been more that 30 days, I later sent another certified letter, notarized affidavit, FTC Report # XXXX, copy of my credit report and my photo id by certified mail # XXXX XXXX XXXX XXXX XXXX that was delivered to them on, XX/XX/XXXX, XXXX XXXX in XXXX, TX. On both occasions Experian was notified and sent all the documents they needed, and they still ignored me. Therefore, Experian has violated the FCRA in pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft clearly after I have told them that I did make this FTC report . I did not receive goods and services, so the FTC and identity block is valid.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2023 I opened an account with XXXX XXXX mortgage and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was XXXX XXXX  days late which is not true and as I am looking they still have not posted it and or removed the late as I was promised
Consumer complaint received 2021-10-01
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is TransUnion. Thank you!
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (NY)

My name is [ XXXX XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ENCORE CAPITAL GROUP INC. (TX)

midland credit management responded to my letter by saying that they are using the Texas finance code. I have never open an account in the State of Texas. They didn't provide me the following : the original amount or credit limit of the contract. No XXXX on the credit report No complete credit history from the beginning of the original contract. the response i got from this debt collector was, quote, '' in order for us to further investigate i need to send you information that you should already have. act # XXXX : amount : XXXX. Send me a complete and accurate account with all the information in it or Delete it from my credit reports.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC (TX)

I have a collection account on my credit report from XXXX that is not my debt. I contacted the local police department, made a report on XXXX, and I am providing copies of my bank statements of the address I was living at the time. I do not have a copy of a lease agreement, insurance, etc from 2019.
Consumer complaint received 2023-11-03
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

Dear Sir/Madam, I am writing to formally register a complaint against Columbia Debt Recovery , concerning their conduct in association with XXXXXXXX XXXX . 

In XXXX of XXXX, I engaged with XXXX XXXX XXXX  regarding a rental unit inquiry. The application process necessitated a {$50.00} application fee and a {$450.00} deposit to secure the unit. Subsequently, following the processing of my application, XXXX XXXX notified me of its rejection due to the requirement of demonstrating a bank account balance three times the annual rent. 

While informed of the applications rejection, I was assured of the prompt return of my {$450.00} application fee. However, the property management took an excessive XXXX days to reimburse this deposit. Additionally, during this period, I was contacted regarding the return of my application check, which had been held for XXXX weeks before being deposited, raising questions about their operational efficiency. 

In XXXX XXXX XXXXXXXX, I received an email from Columbia Debt Recovery, ostensibly on behalf of XXXX XXXX, asserting a debt of {$75.00} without detailed itemization. Subsequent inquiry revealed this amount to comprise the initial {$50.00} application fee, accompanied by a {$25.00} returned item fee. Despite my immediate compliance with a payment plan, the company persistently pursued the inclusion of this matter on my credit report, disregarding my request for cessation and has caused my credit score to drop over XXXX points. 

I have attached documentation demonstrating my active payment plan, confirming my full settlement of the {$75.00} owed. However, Columbia Debt Recovery LLC, wrongfully took it upon themselves to record this item on my credit report.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union and XXXX will not allow me to access my free annual credit report. Also XXXX is reporting the wrong balance on the report I was able to access from XXXX.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: O&L LAW GROUP, P.L. (FL)

O & L Law Group, P. L. 
XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX as representative of O & L Law Group Pursuant to my rights under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other state and federal debt collection laws, I formally notified O & L Law Group , P.L. , a debt collector, via a recorded telephone conversation on XX/XX/2021 to cease-and-desist collection on this account. However, this request was ignored as I received additional information from O & L Law Group regarding this case. This second notification to O & L Law Group is to request that you cease and desist all communications with me regarding this alleged debt or any other alleged debts that you claim I owe.
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-30
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: TD BANK US HOLDING COMPANY (PA)

Notice is hereby given, and a statement of fact made, by the consumer, the natural person, original creditor, lender, the executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being thee executor both public and private for all matters proceeding and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; 1. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 2. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of truth being serviced to you today and therefore, standing as truth in commerce, co be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me from receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, B, AND A that NORDSTROM/TD BANK USA , XXXX XXXX and XXXX are in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ) Thank you,
Consumer complaint received 2021-09-30
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I called to settle a debit with Chevron credit card co and a man answered wanting all my personal information upfront before he could assist me. After I gave him my social security number he then told me he was a different credit card company however, needed my address as well. I recited the phone number listed to call XXXX he acted confused about my call, but continued to press for more information about me knowing he was not a representative for the company. When he asked for me to repeat my full social security number again l hung up the phone.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-30
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. (GA)

Recently I replied for a auto loan and I was denied. This made me take a look at my credit report and I must say after reviewing it I am disgusted! I work my butt off every day I have always been good with my money and never have I ever opened any accounts and not paid them off on time. The items that I highlighted in these letters are not my accounts and I demand that you remove these items immediately or I will seek litigation ASAP Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 

Also Attached is a copy of FCRA and FDCPA book full of violations that are highlighted.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

We have TWO loans with PennyMac and there seems to be some confusion on their servicing platform for some reason in properly servicing both loans. 

The loan that I am having issues with is loan # XXXX - Property located at XXXX XXXX XXXX XXXX in XXXX, CA. 

In XXXX 2022, I set this loan and our primary home ( Loan # XXXX ) as well as the problem loan in question Loan # XXXX. The auto pay was properly processed for loan # ending in XXXX but was not processed for loan # ending in XXXX. I noticed the issue and called PennyMac and made a double payment on XX/XX/XXXXXXXX 2022 for the XX/XX/XXXX payment as well as the XX/XX/XXXX payment. I told the representative that I set both of these loans on autopay and she reassured me that she has resolved the issue and that in XXXX, my next payment for loan # XXXX would be drafted automatically from the bank. 

Needless to say, they never processed the XX/XX/XXXX payment properly. They did make XXXX attempts to debit my XXXX Checking account ( XXXX ) on XX/XX/XXXX. I had over {$130000.00} in my account and they did not properly process the mortgage payment in the amount of {$4000.00}. 

Unfortunatly, this time I caught there error in mid XXXX and called and made ANOTHER double payment as I did back on XX/XX/XXXX 2022 for the XXXX and XX/XX/XXXX2022 payments for loan # XXXX. They reassured me that they would not report me late and there would be no negative credit reporting regarding this issue. In fact, the late payment fees were even waived. 

I am currently trying to purchase a home and they are reporting me late on my credit report and my XXXX has dropped. 

They have been very cryptic, but they leep on citing the issue being the mix up with the other loan I have. Earlier this summer, they failed to pay my homeowners insurance renewals and they kept on saying that they got it mixed up with the loan on my primary residence. I have an impound account BUT I had to come out of pocket and pay my insurance myself when they were supposed to have done so themselves. They seem to be citing the same mix up on the auto pay. 

I finally got the case escalatted to a person named XXXX XXXX and she called me on Monday XX/XX/XXXX and said that she was correcting the late payment but then i discovered that she was still referencing the wrong loan number again. 

I am attaching the mortgage statements to document the payment history as well as my XXXX checking account statement to show that PennyMac attempted to debit the XX/XX/XXXX payment on XX/XX/XXXX from my checking account but in the amount of {$0.00}. 
I am also providing you witha copy of my credit report.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter.
Consumer complaint received 2021-09-30
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. (GA)

Recently I replied for a auto loan and I was denied. This made me take a look at my credit report and I must say after reviewing it I am disgusted! I work my butt off every day I have always been good with my money and never have I ever opened any accounts and not paid them off on time. The items that I highlighted in these letters are not my accounts and I demand that you remove these items immediately or I will seek litigation ASAP Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 

Also Attached is a copy of FCRA and FDCPA book full of violations that are highlighted.
Consumer complaint received 2021-09-30
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. (FL)

I was checking my credit report and I saw that my credit score is very low. I have no idea about these accounts I believe someone used my personal information. Im shocked because you put this negative information on my account.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Telerecovery Corporation (LA)

Telercovery is inaccurately reporting a payment history monthly on a collection account. A collection account is past due by default. Updating the payment history since XX/XX/2019 is negatively impacting my credit by making my " past due '' recent. I have tried for over a year to have this corrected with XXXX and they send a letter saying that Telerecovery verified that this payment history is correct. I have asked for verification and have not received any.