davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Debt collection — Rental 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 (CO)

I was alerted through my credit monitoring service that Columbia XXXX XXXX was reporting that XXXX XXXX XXXX in XXXX Georgia is reporting that I am in default for a lease ending in XX/XX/2023. I never lived there, never leased an apartment there. My information appears to have been used, but I never engaged XXXX in a lease. I requested the signature of the account and copies of the intake forms. They have not been provided. This report is additional damage to my credit. I have sent documentation of my electric bills to show where I lived during the period stated in the claim. This report is not accurate and I want it removed.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax appears to be quick to add negative information to consumer credit reports and are EXTREMELY slow to update balances. It seems to take them 2-3 months to update balances paid down! Furthermore, they dont seem to care that their information is 2-3 months old!! This adversely affects consumers! When I dispute online, I am only allowed to dispute an inaccurate balance ONCE! But due to them being slow, the balances are always inaccurate. When I call them they are HARD TO REACH, as if they dont want consumers to find their phone number or talk to them. Once you reach them they typically want a credit report number or full social security number. The problem with that is they push updating things online, but dont list credit report numbers on their applications or websites, forcing consumers to give some stranger our full ss # s. After speaking with them, rarely will they update or EVEN VERIFY with the financial institutions reporting the information! So all of this screams of a desire to keep credit scores low!!!!!! I need help. I pay things off to have good credit, but they seem intent on blocking everyone from having good credit by refusing to update balances in a timely manner, then pointing fingers!!!!! Im tired of their excuses & sending me in circles!!!!!!!
Consumer complaint received 2021-02-19
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. (FL)

On XX/XX/2020. US SM BUS ADMIN ODA, pulled my credit without my consent and Experian put it on my report. This is considered fraud, unlawful, and identify theft.
Consumer complaint received 2024-03-15
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)

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 the 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 that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission.
Consumer complaint received 2024-03-15
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. (NJ)

I recently obtained a copy of all XXXX of my credit reports ( XXXX, Equifax, XXXX ). I have noticed several inaccuracies on behalf of the credit bureaus. The reporting agencies ' information on my report is conflicting. The consumer reporting agencies have assumed a vital role under the law, Fair Credit Reporting Act 15 USC 1681 section 602 to make sure that my credit report is " FAIR '' and " ACCURATE '' and 'RESPECT FOR THE CONSUMERS RIGHTS, which they have violated by NOT doing. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have attached the account number in question and a photo of my credit report with multiple inaccuracies. Please investigate this matter. If accuracy can not be provided, I demand that this account be removed.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all iinquiries listed above has been made without my knowledge or consent and is identity theft/fraud and all these needs to be removed immediately. i have reached out to each and merchant to to provide them with the requested documents and nothing has been removed in which was promised due to fraud.
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (FL)

was XXXX years of age at the time I was forced into a ambulance due to a injury, my parents were not contacted I was under the supervision of another adult and the police/emt forced me to get into the ambulance and be transported to the hospital, this is dated back to XX/XX/2009 and should not be on my record as that is against the law, I should not have a debt as a minor either and I want this taken off my credit it has negatively impacted my score and affected my adulthood, I want them to stop calling stop trying to contact me I will be speaking with a laywer if this situation isnt resolved
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am interested in disputing all inaccurate information on my credit report with experian. please remove all listed information that is hindering my file an not accurate on all 3 credit reports. please remove asap.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (AL)

I called the banking institution on XX/XX/19 to see why my account was negative. I spoke with a agent who stated it was because If a transaction totaling XXXX. He stated it hit my account at XXXX even though I used the XXXX service on XX/XX/19 when my direct deposit hit. The agent said he didnt know why the delay was but some merchants would take a few days. I said ok what will need to be done? He stated I could make a deposit before XXXX and I would not incur a fee. I did as instructed and my account was positive thinking that fixed the problem. I check my mobile banking today and saw a NSF which posted today, I called today XX/XX/19 and spoke with XXXX who went back and forth with me saying my account was not positive even after I stated what was said and that my account was positive. After going around and around I asked for a supervisor. He stated the supervisor was on another call and to hold on. He comes back to say the supervisor said he could do a partial of XXXX seeing as how I have gotten XXXX reversals this year. I only asked that the mistake on the banks or systems part be acknowledged because I did what I was supposed to do, in making the account positive. I was hung up on, and when I called back I got XXXX who did not want to tell me it was him, but I was eventually connected with a supervisor, the supervisor or whomever he was- stated I declined the partial and I said yes because it was not my fault and all I asked is for someone to take responsibility for the error. He tells me that I had gotten XXXX reversals well A LOT as he said, and there was nothing more that could be done. XXXX insulted my intelligence and then to be told that I had gotten a lot of reversals? To me this was unacceptable. I valued my relationship with BBVA but the experience today made me feel like XXXX. I have never had a issue with the bank and they had always made me feel like they cared in the times past whenever I had a issue. I told the supervisor I didnt want them to do it for me, all I asked is they they admit they made a error. The banking relationship is damaged at this point.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide it. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been deliveredXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not consent to an electronic communications. I am the person making this complaint & I give CFPB authority to investigate this claim. And I request all responses be in writing through the USPS.
Consumer complaint received 2023-11-02
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)

Credit Agency Re : Incorrect Address on Credit Report To Whom It May Concern : I am writing to dispute an incorrect address that is currently being reported on my Equifax credit report. The address in question is XXXX XXXX XXXX XXXX. XXXX, FL XXXX This address does not belong to me and I have never lived there. I am requesting that you immediately delete this address from my credit report, as it does not accurately reflect my credit history. 

Please investigate this matter and make the necessary corrections to my report. Send me a copy of the amended report once the false information has been removed. I have enclosed a copy of my driver 's license as proof of my current address. 

This is urgent as the incorrect address is creating problems for me. Please process this dispute request within 30 days as required by the Fair Credit Reporting Act. 

Thank you for your cooperation and prompt response.
Consumer complaint received 2023-02-23
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. (AR)

I'm filing this complaint because of certain false accounts I discovered on my credit report. Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and it is not permitted for them to continue publishing unverified information within the legal time frame in the absence of any supporting documentation. The accounts that are inaccurately reflecting on my credit reports are listed below : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX Balance Owed : {$6000.00}. Get the disputed accounts fixed as soon as you can in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2023-03-06
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. (GA)

The payment history is incorrect. Equifax is reporting my payment incorrectly for several accounts. The payment history is going from current one month to 60 days the next month. This is inactive credit reporting. 
XXXX XXXX XXXX- went from current into 60 days past due XXXX XXXXXXXX went from current in XX/XX/XXXX to 60 days delinquent on XX/XX/XXXX XXXX XXXX XXXXXXXX-went from current in XXXX to 60 days delinquent in XXXX XXXX XXXX went from current in XX/XX/XXXX to 60 days in XX/XX/XXXX XXXXXXXX XXXX went from current to 60 days in XX/XX/XXXX XXXX XXXX went from current in XX/XX/XXXX to 60 days in XX/XX/XXXX. The service remained current XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In XX/XX/XXXX the account was reported at 60 days past due. 
XXXX went from current in XXXX to 60 days in XXXXXXXX XXXX was current until XX/XX/XXXX and was days past due XXXX  went from current to 60 days in XX/XX/XXXXXXXX XXXX XXXX went from current to 60 days in XX/XX/XXXX XXXX XXXX went from current in XXXX to 60 days in XX/XX/XXXX XXXX  went from current to 60 days in XXXX, 90 days in XXXX and XXXX, 120 days in XXXX. Current in XXXX. Then 60 days in XXXX. 
XXXX went from current in XX/XX/XXXX to 60 days past due in XX/XX/XXXX 2022
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (LA)

I want to dispute this debt because this debt is wrong. The Assistant Community Director reached out to me via email and said, Ok since it was no notice given, you will be charged a for rent in XXXX plus a retlet fee of {$800.00} and an early termination fee of {$940.00}. Also, a trash out fee of {$150.00} since it was furniture left in unit. I will send your final account statement shorlty. Thank you. She never sent me a final account statement for me to make a payment or reached back out to me. Today, I just received a letter from XXXX stating I owe Residence at XXXX XXXX XXXX {$2900.00} which doesnt add up.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

XX/XX/2020 AmeriSave contacted me offering refinancing on my primary residence. I explained in detail to the loan officer, XXXX XXXX, my financial situation. She assured me the refinance would be approved with my current finances. She offered a specific loan product with cash out. Repeatly I asked if she was certain the loan would be approved & she continually assured me it would be approved & no appraisal was needed. I provided all requested documentation with in 48 hours and paid the upfront {$500.00} for the application fee. After stringing me along for 2+months AmeriSave finally offered me a totally different loan product & an appraisal was now ordered which I was responsible to pay. AmeriSave tried to pull a bait & switch on the product they initially offered me with outrageous costs. I complained to Ms. XXXX, refused to pay for appraisal & requested my {$500.00} application fee refunded. Ms. XXXX assured me the application fee would be refunded per her manager 's approval. Almost 3 months later still no refund. AmeriSave attempted a bait & switch, falsely misrepresented the loan product offering, wasted my time & renege on my refund of {$500.00}. This company should not be permitted to conduct business. I have emails substantiating my complaints. 
FYI : I applied for refi with another company from start to finish less than 30 days XXXX completed my refi., no appraisal & no upfront application fee.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Credit Service, Inc. (OH)

Threateningtosendpeopletomyhome.
Scaretactics.
RepeatedphonecallsafterIaskedthemtostop.
Threateningtocontactmyemployer.
Theysaytheyarewiththecountycourt.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I have spoken to MOHELA several times over the last month ; I was given an income recertification date of XXXX and I submitted my income information. My new payment amount was approved. My account was subsequently put into a forbearance ( XXXX ), one that I did not ask for or need ; this forbearance means that I have one less month of payment that will go towards PSLF ( I am currently two years away from the ten years ). According to XXXX, anyone whose income was recertified in XXXX and had their payment go up will have their payment lowered until the extension for recertification in XXXX. I have spoken to two agents this week, both of whom could not help me remove the forbearance and didn't know anything about the Department of Education extension on income recertification.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Im a victim of id theft. I was alerted to the fraudulent application due to credit monitoring on XX/XX/ which is the same day the scammers applied for the credit card. Ive contacted XXXX XXXX XXXXXXXX multiple times via multiple phone calls, certified mall, CFPB complaint, and occ complaint. Its been over 8 months and my credit report hasnt been update the remove the fraudulent inquiry which resulted in high interest on my recent car loan.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (TX)

The following are hard inquiries placed on my credit report without my knowledge or permission XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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 accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX  Balance : {$2000.00} ; XXXX  XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Inquiry : 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (FL)

On or about XX/XX/2023 I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct XXXX. This isn't the first or 2nd time, XXXX XXXX  keeps reporting improper on my consumer report. Also I requested the same information from First National Bank of Omaha ( FNBO ) for accounts XXXX & XXXX. FNBO still have not responded to my requests
Consumer complaint received 2023-11-02
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX