davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (AL)

XXXX sent invoice dated XX/XX/XXXX. 
I notified XXXX in writing on XX/XX/XXXX to dispute the account, to ask for verification that it was authorized to be opened. 
XXXX replied with a form letter to call their office I notified XXXX in Writing on XX/XX/XXXX to communicate with me by mail and that I continued to dispute the account and that I did not authorize it. 
XXXX replied with the same form letter to call their office. 
I noticed XXXX in writing on XX/XX/XXXX informing them to communicate with me by mail and that XXXX disputing the account and not a customer of XXXX. 
XXXX replied with another form letter telling me to call them. 
I wrote to XXXX again on XX/XX/XXXX referring to the previous communication and that XXXX did not respond properly to my dispute. I again requested proof and verification that I authorized the charges. They did not respond. 
I notified XXXX in writing on XX/XX/XXXX to cease telephone communications with me and written correspondence will be responded to accordingly. 
XXXX replied with another form letter telling me to call them. 
I notified XXXX in writing on XX/XX/XXXX that they have not shown that I owe them any money or any agreement between us. I told them I would no longer respond to them without proper verification. 

Received collection notice from States Recovery Systems Inc datedXX/XX/XXXX. 
Responded by disputing the alleged debt and demand for verification, along with copy of agreement for my relationship with XXXX. 
Sent an additional letter on XX/XX/XXXX of notice to debt collector of default for not verifying alleged debt.

Received letter dated XX/XX/XXXX stating debt was verified and a print out of statement of account, with multiple contract account numbers, debit and credit amounts, with XXXX XXXX XXXX XXXX XXXX   payments, which I do not have a XXXX XXXX XXXX Account. 
On XX/XX/XXXX, wrote to States Recovery System that I received the letter but that the account has been in dispute and that XXXX failed to address the dispute. Also informed States Recovery Systems that they did not properly validate the debt. A simple statement is not validation. Anyone can make a statement. 
XX/XX/XXXX States Recovery Systems reported the collection to credit Report.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Camino Financial Inc. (FL)

Under 15 USC 1681 ( e ) B this account is ran as a XXXX XXXX but I never received any of XXXX cancellation of XXXX form and because of that this account is inaccurate and has to be removed.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

Since XXXX last year credit drops XXXX points, back up XX/XX/2023 and again XXXX XXXX, 2023 XXXX points down. Reach out to credit bureaus and being told to get a financial advisor as they just explain the factors. Credit has not have any drastic change, if anything should be positive as an old account was removed and balances lowered. I need this to be verify as I can never be at peace knowing my credit score is accurate or at least I am being informed of any changes. I understand 5-10 even 15 but XXXX point is just concerning and they really do not help.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I closed my USAA visa card  XXXX it continues to report open an even chose the old XXXX plus balance on the credit report I contacted the bank to tell them that the account should be closed and they sent me a new replacement card and just reported the card with a balance of XXXX plus this card is closed and has a XXXX balance and it's getting very annoying with the XXXX also pulling my credit when I don't want a new card sending me a replacement card and a replacement debit card when I closed my accounts with them I have closed all my accounts with this bank and XXXX  out all my balances they continue to harass me with reporting information incorrectly
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I was looking to purchase my first car in early XXXX, Credit Acceptance was my approved lender... With the high interest rate, I chose to refinance in XXXX, through XXXX XXXX XXXX. Come XX/XX/XXXX, my auto loan is fully paid off through XXXX XXXX XXXX, however, I can not get my title because Credit Acceptance is claiming I still owe them over {$6000.00} for GAP and extended coverage that they claim I never cancelled. They will not make any negotiations, even though my car has been refinanced and paid off completely through another company.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

Before pursuing a lawsuit, I have decided to let you pursue the issue. The mortgage on my property was paid in full in XXXX of XXXX. As of this writing ( date : XX/XX/XXXX ) there has been no reply from PHH Mortgage to send the " paid in full '' loan documents to me, as required by the original contract. They have " THUMBED THEIR NOSES '' at me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX County Clerk, title company, etc. PHH Mortgage is a solid FFFF with the XXXX XXXX XXXX, so I have not bothered to contact them for help. 
PHH Mortgage IS responsible for returning the ORIGINAL DOCUMENTS!!! They purchased the loan from the credit union, without my consent. I spent nearly 30 years paying off the mortgage, now I am demanding what I agreed too when the loan documents were originated.
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MA)

I'm not an expert on this and I'm not sure how this can happen. I was shocked when I reviewed my credit report and found late payment on the dates below on my XXXX account. I made the payment but apparently it's not getting applied correctly. 

XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-09-18
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)

Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX  credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$520000.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Every time I return an item on my Amazon Prime Store Card by synchrony Bank, I am issued a gift card for the return, instead of a credit to my balance. this is done intentionally, because I am being charged such an extremely high interest rate. 
I want all returns to be credit directly to my store account.
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

This company is reporting debt claiming I owe over {$1500.00}, I have disputed this debt it is not my debt, they are apparently ignoring me. I want proof that I opened this account, and the proof I owe you {$1500.00}. These junk debt buyers buy debts add stuff to it and try and collect all without even verifying the debt is vald. Their commission paid salespeople will do and say anything to collect a debt it is how they make their living. They have no clue or care whether it is valid.
Consumer complaint received 2019-11-01
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

Late payments reported on my credit report are not correct as I was of the understanding that I was either in deferment of forbearance. The problem is compounded as it appears that I have 6 separate loans with Navient that have all been reported as late. Communication with Navient has been confusing and frustrating at best as to my real situation. My loans are now current but I cant get the negative information removed from my credit report which is affecting my ability to get housing
Consumer complaint received 2018-09-18
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. (NY)

Pleae remove these inqiuries XXXX XXXX, XXXX, XXXX, XXXX, XXXX and my XXXX XXXX wwas paid in full, XXXX XXXX XXXX, XXXX XXXX  paid in full with no balance. please remove XXXX XXXX XXXX XXXX. its over 7 years old please.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  XXXX   XXXX   XXXX .
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion and XXXX XXXXXXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Consumer complaint received 2024-02-13
Product: Debt collection — Rental 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 (NV)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Columbia Debt Recovery LLC regarding an alleged debt owed to XXXX XXXX. The claimed amount of {$50.00} for a move-out fee is both incorrect and unjust, and I am disputing the validity of this debt collection. 

In 2021, I entered into an agreement with XXXX XXXX for a lease, which was later canceled after I had already paid the deposit. During my communication with XXXX XXXX I was explicitly assured of a full refund of my deposit and informed that I would not be held responsible for any charges. 

However, this alleged debt recently resurfaced through Columbia Debt Recovery LLC. Despite reaching out to the collection agency, where they promised to investigate, I have not received any response. Additionally, my attempts to contact XXXX XXXX XXXX  directly through various means, including email, phone calls, and in-person visits, have been consistently ignored. 

I possess an email from XXXX XXXX stating that my unit was on " waitlist, '' confirming that I never lived in the apartment. Despite this, they contradict themselves by referring to me as a resident in the same correspondence. This inconsistency highlights the unjust and invalid nature of the asserted move-out fee. 

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate and rectify this matter promptly. I appreciate your attention to this issue and request that it be assigned a case number for tracking purposes. Thank you for your assistance in resolving this unjust debt collection.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

In XXXX, 2017 my identity was stolen and accounts were opened in my name for XXXX XXXX XXXX, XXXX and XXXX. I filed all the necessary paperwork ( Police Report, ID Theft Affidavit, ID Theft Report ), had all the accounts removed from my credit report, froze my credit and contacted XXXX XXXX XXXX, XXXX and XXXX to inform them of the identity theft. I then filled out multiple pages of paperwork with each creditor to prove the identity theft. Despite all these efforts, XXXX XXXX XXXX and XXXX continue to sell this debt to collection agencies, who then call me. Even worse, these fraudulent accounts keeps reappearing on my credit report, negatively impacting my credit scores.
Consumer complaint received 2018-09-19
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. (MI)

XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve of.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (MI)

Over the period of 3 months starting around XXXX, Ally Financial began contacting me trying to reach another person about a debt and leaving messages on my voice mail. I dismissed the calls as they didn't pertain to me. However they called began to increase in frequency ( 5 or 6 times within an hour ) to a point where I had to begin blocking them. They changed tactics after this by using private or blocked numbers to bypass my blocks and using international call centers to try and reach me.
Consumer complaint received 2023-03-23
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. (MS)

Equifax XXXX XXXX and XXXX have not been completely moving old accounts from my credit report and even ones I submitted on there website stating those things werent mine but never got responses and I want them removed immediately and automatically because its a brand new year and I submitted and complained last year to only still have those things on my report something I dont recognize on my report as well
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have reviewed my results from the investigation regarding the XXXX/XXXX XXXX Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-01-31
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. (SC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Leviton Law Firm, Ltd. (TX)

I received a phone call on XX/XX/2022 at XXXX from XXXX XXXX XXXX Leviton Law . He claims I owe over {$6000.00} on an insurance policy from a company through which Ive never been insured. He stated I could call back to remit payment. I received another call on XX/XX/2022 at around XXXX claiming that if I do not pay the amount, he will begin litigating against me. I have never been notified through email or letter, and he has never stated my name in the voicemails hes left. Ive never heard of the insurance company he says I owe money to, and I can not find them on the internet anywhere. Hes never even stated the exact amount owed- just always says over {$6000.00}.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent this company a dispute letter on XX/XX/2022, but I haven't got any news about what's going on with its status. I have been informed that FCRA is requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX and the Office of the Atty General. I'm talking to people who have the same experience on social media so please do not delay things.