davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (FL)

On XX/XX/2022 I received my first phone call from Lanier Collection Agency regarding a debt. I am/was entitled to a written letter of my rights within the first five days after being contacted under the Fair Debt Collections Practices Act. I never received such letter and thus, Lanier Collection Agency is in direct violation of my rights under the Fair Debt Collections Practices Act, and the debt is thereby invalid. I notified Lanier Collection Agency via certified mail ( USPS XXXX XXXX XXXX ) that continued attempts to collect or otherwise fail to dismiss the debt would be reported to the Federal Trade Commission. On XX/XX/2022 at XXXX XXXX  I checked my XXXX credit report online and Lanier Collection Agency appeared as a derogatory mark on my credit report, indicating that Lanier Collection Agency failed to dismiss the debt. Attached are photos of 1 ) the letter sent to Lanier Collection Agency 2 ) proof of delivery of that letter via the issued USPS tracking number. 3 ) a screenshot of Lanier Collection Agency showing on my XXXX credit report.
Consumer complaint received 2022-04-08
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. (MI)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-08
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which 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 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 : XXXX ; XXXX XXXX & XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-08
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. (NC)

I printed my consumer reports for Transunion, XXXX, and XXXX. After reviewing all XXXX reports I noticed there are several inaccuracies on the report. I reached out to each of the credit reporting agencies to give my instructions on the corrections I demand to be made. They have refused to follow my instructions in Pursuant 15 USC 1681b ( a ) ( 2 ) written instructions of the consumer to whom it relates and this is a direct violation. Not only are you impersonating a bureau in which you assumed the role. You also have taken over my report and allowed any and every company to do whatever without consulting me at all. Are you doing business with these companies in order to ruin my credit or reputation? Are they paying you to place fraudulent information on my report? Remove hard inquiry XXXX XX/XX/2022, PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX, Remove Account # XXXX and Account # XXXX. Correct the late payments on every XXXX XXXX and XXXX account on my consumer report.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I would like to provide information regarding the modification process during XXXX. I first contacted Wells Fargo to advise of our financial hardship. At that time, XXXX XXXX - employee - advised we would qualify for a loan modification if we were 3 consecutive payments behind on our mortgage payment. We began the process, and started receiving foreclosure letters. It was acknowledge that, at that time, representatives were giving that information in error. They advised to either try to get my account current or try for the modification. 
So the process began…..The first modification they kept asking for me to XX/XX/XXXX the same documents over and over. They told me my time had run out and we had to cancel the requests in order to try a different modification. I asked if I could continue making payments so I would not be even further delinquent. They said “no” do not send any payments at this time. There is nowhere to apply the funds until the modification is approved. 
They finally advised the modification was approved and I started making trial payments in XX/XX/XXXX-XXXX XXXX. I never received my loan docs and when I called about them I was told not to worry that it was an internal issue. They advised they were having an issue with the subordination agreement. Then, I was told we had to start over again with a different modification because we were outside of the conversion time for the XXXX XXXX loan process. I could not believe it. I thought it was over. But we had to start the process over again. I was advised we did not need to send in any additional information or documents and nothing would change. I started asking questions regarding the rate and term and it was different from previously quoted. I was advised, if I did not agree to the modification and finish the trial period I would not be considered for another modification. 
We have saved all of the documentation received by Wells Fargo including my notes and the dates and employee names we spoke to during that time. 
We were hoping Wells Fargo would do the right thing without seeking an attorney. But apparently, you feel XXXX is adequate for years of torment. My husband had a XX/XX/XXXX during this stressful time of not knowing if his family would be put out on the street. We also had to pay an attorney XXXX   for advice and to see if we should file for bankruptcy. We are not sure how you came to the determination that we cancelled anything. We were advised to move to a different modification our request would have to be cancelled but it was from the referral of your representatives. Here is a list of Wells Fargo representatives we spoke to: XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX. I can also provide you with my handwritten notes of dates and names. We do not accept your offer of XXXX
Consumer complaint received 2020-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (DE)

I enrolled in Pnc purchase pay back program. I signed up for the XXXX XXXX  pay back to receive 10 % of the purchase. I made a purchase on XX/XX/2020 for {$1500.00}. I was to receive {$32.00} which was the maximum amount on the XX/XX/2020 but never did. I filed a dispute within the bank but the bank never deposited the {$32.00}. I called again today and was not provided no assistance or explanation. I would just like the {$32.00} indicated under the purchase pay back program. I followed the rules and it is wrong for the bank to cheat customers after the transaction has been completed.
Consumer complaint received 2022-10-08
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which 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 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 : XXXX ; XXXX XXXX & XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; ENHANCED XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC. (MN)

Ally is unable to take a report of an error on their website. I signed up for a new credit card and was able to activate it and not able to enroll in online banking. When I did call on XX/XX/2023 to get help enrolling in online banking, the customer service representative told me there is no way for her to report a problem with the website. There was no solution for enrolling me in online banking and I closed the account. Ally bank is not able to provide successful website operations and that is XXXX of the advertised offerings of their credit card. The customer service representative was rude and passive and made rude XXXX comments about the deep sound of my voice and said that my deep voice meant " XXXX XXXX '' to her.
Consumer complaint received 2022-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I have my private loans consolidated to the lowest amount that Sallie Mae, the lending service that issued my private loans for school, however it is still an amount that I can not sustain with the job I have now. The amount that I pay each month is solely to pay off the interest ; none of my payments go toward the balance that I owe. This, along with paying rent for my apartment ( which is a lower amount than I owe Sallie Mae ), has become unsustainable financially. I pay {$740.00} a month to Sallie Mae. My rent is {$700.00}. I have to work XXXX XXXX XXXX  jobs that are hardly above XXXX XXXX  in my state to keep lenders from badgering my co-signer. I would like to know if it is possible to lower the amount I owe Sallie Mae each month. The loans have already gone through a period of forbearance and according to them, through direct conversation, this is the lowest they can bring the total down. It is not enough when taking into my financial limitations.
Consumer complaint received 2022-04-08
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. (NC)

In accotdance with the Fair Credit Reporting Act XXXX  account XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-07
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. (FL)

I am a natural person my name is XXXX XXXX XXXX the credit bureaus has violated my rights in many ways. i am very exhausted and is now facing bad XXXX due to this matter of the credit bureaus disrespecting my right to privacy. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should 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 breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery keeps calling me even though I have sent written notice for them to never call me. They don't tell me who they are, just saying it's a " personal matter. '' They have not sent me substantiation, either.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC (CA)

Rock Creek Capital LLC. Is practicing predatory and fraudulent collections practices.

They have enlisted Receivables Performance Management RPM to collect an erroneous and fraudulent debt that they have added to my credit report without any attempt to notify me of the fraudulent debt. Nor has either company given me a chance to dispute this debt. 

In addition, they have not provided any valid proof to substantiate their abusive and malicious tactic to try and destroy my credit. 

They have not provided any dates for which the debt occurred ; nor any type of agreement or authorization of such debt. Where is my signature? What is this for? When did it occur? 

They added this collection to my Credit Reports at the end of XXXX. This has harmed my business as I was in the process of acquiring a loan to expand my business. I will not qualify with this erroneous collection on my record. 

They are in direct violation of Fair Debt Collection Practices Act ( or FDCPA ) and the Fair Credit Reporting Act ( or FCRA ) so I will be filling a complaint and will be seeking financial restitution for the credit harm this company has imposed on me and my financial well-being.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've complained about the " horrific '' customer service one gets at Capital One. We write and call the CFPB for help but you do nothing to help us against these entities. Capital One has this credit card to help re-build credit. I've been so good at making payments that they send Marketing messages, refer a customer and we'll award you with {$500.00} BUT, the customer service reps speak broken English, they're not trained to tackle financial problems and blame us if we get flustered with them. On XXXX, all of America states how bad the customer service is at Capital One. 

I started to receive notices that my card was overdrawn but when I checked my online account, I was under the limit. So, I complained and complained to the customer service team. They never corrected the problem. This made me irritated .... 

Now, they canceled one card last year after I reported them to the XXXX  and I did NOTHING wrong. Now, they canceled another card last month ( ending XXXX ) without even reaching out to get my side of the story? 

We have to endure TRAUMA from their customer service treatment but once we give it back to them or defend OURSELVES, they take our credit and cards away. 
I feel that I'm targeted and discriminated against so I want my card re-Instated ASAP. 
Also, they are not RECORDING THE PAYMENTS I've made on my credit report which is illegal. 

I paid {$200.00} in XXXX, {$200.00} in XXXX. 
I'm tripling my payments since my minimum is only {$59.00} a month. 
Please don't let Capital One get away with discriminating against me. They got away with it once but NOT again. 

The USA hates MY RACE so bad that they'll do anything to destroy us. They want us to be in poverty, please save me from a racist person who did this too me at Capital One.
Consumer complaint received 2021-02-13
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: EQUIFAX, INC. (NM)

I disputed several accounts with inaccurate information directly to the bureaus but they haven't neither sent any answer nor repair or delete the accounts as i demanded while disputing.
Consumer complaint received 2022-10-08
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. (SC)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should 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 breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (PA)

Phoenix financial services sent a bill on XX/XX/XXXX for services rendered by the XXXX XXXX XXXX  on XX/XX/XXXX. All bills from this hospitalization were paid in XXXX. When I called phoenix they were extremely rude and abusive and they threatened to ruin my credit. When I researched this company with the XXXX XXXX XXXX I discovered almost 400 complaints for the exact same conduct.
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (FL)

Using unconstitutional debt practices to attempt to collect a debt they purchased. This debt was not validated or disputed by me before they provided the delinquent information to the credit reporting agencies. This company is willfully disregarding the laws in place under the FDCPA.