davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

In XXXX of XXXX I moved out of my apartment complex ( XXXX XXXX ) in XXXX, XXXX to XXXX XXXX. At the time when I moved out XXXX   XXXX management said I was paid up. 2-3 weeks later I got a {$220.00} bill owed to XXXX  XXXX. I mailed them a check in XXXX XXXX for that amount. 
XXXX XXXX has changed ownership several times. 
In XXXX I got several calls from Genesis Credit Management attempting to collect the {$220.00}. I emailed them a copy of the front and back of the check showing that it had cleared my bank account. They accepted my evidence and said thank you. 

XX/XX/XXXX-XX/XX/XXXX Genesis is calling me again for the same reason!! I talked to XXXX the manager and he admitted they still hadn't received a response from XXXX XXXX about the payment. Then why do you keep calling me!? I asked. I've proven my side of things. 

They are harassing me for something I already paid and it needs to STOP!
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Equifax has been reporting FALSE information regarding collection activity on my credit report. I submitted 3 credit report dispute complaints over a 3 year period to have this false collect claim removed and provided court documents showing the debt claim as false and not valid. Each time the dispute results are in favor of the creditor with ZERO proof that the debt belongs to me. 

Equifax is not doing proper investigations into consumer dispute complaints. And are failing to collect proof of debt from creditors before submitting negative credit reporting.
Consumer complaint received 2017-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

I originally contacted XXXX XXXX to settle the debt and they said to go in when on the phone when I did sthey recanted and sent it to a collection agency that never sent me anything, I did have medical insurance that should have been billed and they never did. Now I have a debt of almost {$6000.00} that they expect me to pay. I have disputed this and requested that they send me something in writing of that account through the credit bureua and all I got from the credit bureu was that its valid with no proof the individual at the credit agency said we dont contact them just run it through an electronic system.
Consumer complaint received 2020-10-11
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. (NJ)

The bottom line is this : XXXX  and XXXX  have my credit scores both at XXXX. Experian  lists my credit score at XXXX. Experian  keeps sending me emails to sign up and pay a membership cost so that they can " fix '' my credit score. I have no mortgage, I have {$50000.00} in available credit card usage which is never over 7 % usage. I earned {$130000.00} last year. I have religiously paid off my credit cards at the end of every month since 2014. I have very old bad credit dating back 10 years or more, but other than that there is no reason why I would have a credit score of XXXX. I think Experian is trying to extort money from me to fix my score.
Consumer complaint received 2022-10-07
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 — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Fair collection and outsourcing is stating that I owe a XXXX. The five-year statute of limitations for consumer debt in Florida has past and this debt can no longer be collected on after 5 years. Please delete this debt from my credit profile. This can only be collected on within five years for debts with a written contract. Fair collections and outsourcing has had this debt since 2017, and no longer can collect on it by law.
Consumer complaint received 2019-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (FL)

XXXX  military returned from XXXX and family needed money. I feel I was lured in being they are less than XXXX miles from base Im sure Im not the only one. They constantly are calling friends and family and wanting an allotment set up to make the payments. I know I narrowed the money and dont dispute that. I ask they lower my interest on remaining balance to 12 % or lower. Also I have requested copies of the original al signed contract that was done digitally and have yet to receive it.
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (GA)

XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2019-10-31
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. (GA)

XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX  Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : 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 XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX
Consumer complaint received 2019-10-31
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: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX-XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX
Consumer complaint received 2021-04-26
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. (LA)

Good afternoon hopefully you guys can put an end to this. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Please see my IDENTITFICATION attached and the report I filed under identity theft. Please delete these.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have CONTACTED THE CREDIT BUREAU on multiple occasions regarding discrepancies on my account and they failed to comply with my demands, I am contacting you CFPB because pursuant to 15 USC 1681n ( b ) ( 2 ) I am a consumer and natural person and XXXX, XXXX and Transunion owes me {$1000.00} per violation, for willful non compliance.
Consumer complaint received 2017-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (MD)

I have become extremely behind on my mortgage due to loss of employment. I was finally able to regain employment ( although still making a considerable amount less than what the mortgage was originally based upon ) and have applied for a loan modification which they have denied and are pushing to foreclosure. They stated that I did not have enough income but would not provide me with any actual numbers supporting the denial. I received a promotion at one of the 2 jobs that I hold which boosted the income. I sent in the documentation to support that new income yet they have not reviewed to see if that will allow for a modification. I call and if I am able to speak to anyone, I am just told that " there are no updates ''. Meanwhile, I am left with the assumption that my family will end up on the street.
Consumer complaint received 2019-10-31
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: LEXISNEXIS (TX)

I asked to have investigated two bankruptcies on my current consumer report by LexisNEXIS. There is a chapter XXXX Dated XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to lexisnexis or any other consumer bureau. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (NM)

XXXX changed their account spending limit ( ASL ) fee which is a breach of contact therefor this debt should be removed. Other customers we allowed to canceled without penalty due to this change in contract, I am request this debt be remove from all three credit agency 's
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (TX)

I paid {$2900.00} on XX/XX/XXXX and another payment of {$9800.00} on XX/XX/XXXX that were supposed to be adjusted against my principal. 

I have regularly paid all my mortgage payments i.e. {$710.00} through my bank - the mortgage servicing company confirms receipt of my regular mortgage monthly payments including for the month of XX/XX/XXXX. 

However, the mortgage servicing company - Nationstar Mortgage LLC d/b/a Mr. Cooper is ignoring the above-mentioned payments. 

After adjustment of above-mentioned two payments, the adjusted balance to be reported to credit monitoring agencies. But the mortgage servicing company is dilly-dalying and/or ignoring my request for a long period - and also harassing me with letters, although they recently stopped making unwanted/unwarranted phone-calls.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (CA)

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.
Consumer complaint received 2020-11-12
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. (FL)

Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My XXXX XXXX is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I asked to have investigated two bankruptcies on my current credit report. There is a chapter XXXX Dated XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to any credit bureaus. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.
Consumer complaint received 2019-10-31
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. (TX)

I asked to have investigated two bankruptcies on my current credit report. There is a chapter XXXX Dated XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX WISCOXXXX XXXX XXXX XXXX XXXX XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to any credit bureaus. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I am complaining today on Equifax Credit Reporting Bureau regarding a disputed account within my credit report by the name of XXXX XXXX XXXX XXXX. account ending XXXX which I have provided proof to Equifax with a long-standing investigation that was completed but NOT resolved by Equifax. I have submitted pertinent supporting evidence that real time resolution was erroneously reporting false and incorrect information to my credit. I have further submitted documentation provided from XXXX XXXX informing me through Consumer Financial Protection division that they will remove all past and future reporting. I have received a deletion from my report with XXXX  and XXXX  regarding XXXX XXXXhowever   Equifax has not followed the other two bureaus deletion which as per my rights under fair credit reporting act, I have a right to dispute incomplete or inaccurate information. 

Equifax is causing me undue stress and adverse hinderance that is causing me hardship with refinancing my current mortgage. Furthermore, Equifax has completely shut me down and locked me out of their system from providing any future disputes thru electric methods. I have even tried to reset my password in XXXX of 2020, and still cant get through to them. Equifax had written me and asked me to provide them with a copy of my drivers license and my social security information to prove to them, that I am who I proclaim to be which is utterly suspicious activity to me. I am totally unable to verify who I am electronically due to Equifax locking me out of their system and unable to log in what-so-ever. 

I am requesting that CFPB enforce Equifax to delete real time resolutions from my report based on the proof that was provided to them before they enabled my previous disputes. Further to allow me with access back in their system.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (MD)

I was discharged from chapter XXXX bankruptcy on XX/XX/2018 and XXXX  still has an account Prosper Marketplace as showing charged off bad debt/ purchased by another lender. Account needs to be updated and corrected to reflect included and discharged in bankruptcy.
Consumer complaint received 2024-02-26
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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.