davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Response to complaint ID : XXXX, I have made numerous attempts via mail, email and fax to retrieve documentation from Portfolio Recovery Associates in regards to an account they are currently reporting in my name to the consumer reporting agencies. Portfolio Recovery Associates is a repeat offender for continued illegal debt collection practices and violating the law. The company has ceased communication yet continues to report unsubstantiated debt, collecting without providing required disclosures, and failing to properly investigate to resolve this dispute. The company needs to be held accountable for violating federal and state laws, their agreement to do business fairly, equitably and just. The Consumer Financial Protection Board has been officially put on notice to investigate their continued efforts to cause harm to my financial profile, standing, and other assets. See my attached documentation of reaching out to the dispute department of Portfolio Recovery Associates. I have also attached the promise Portfolio Recovery Associates declares on its website to commit to compliance with federal, state and local laws that govern debt collection as well as its commitment to providing transparency with the required information for debt collection.
Consumer complaint received 2024-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (LA)

I wanted to see if I can pay more than the weekly pay arrangement but I couldnt get to the page where I could do that. Also I couldnt speak to a representative because the website apparently was down. Another thing I was not aware of a 699 % credit charge
Consumer complaint received 2024-08-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AL)

Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AL XXXX Dear Credit Management LP, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-25
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MD)

Complaint Summary : I am filing this complaint against Citibank , N.A . and Home Depot for the unlawful closure of my credit account, falsely representing that I requested the account be closed, and discriminatory practices in connection with my request for assistance due to illness.

Details of the Complaint : Account Closure Without Authorization : At no point did I request the closure of my credit account with Citibank or Home Depot. I specifically contacted Citibank to request a payment arrangement due to financial hardship caused by illness. 
Instead of assisting me, Citibank unilaterally closed the account and falsely reported that I requested the closure. 
Retaliation and Discriminatory Treatment : Citibank has targeted me by reducing credit limits across multiple cards it manages in my name, as well as closing additional accounts. These actions have caused significant harm to my credit score. 
The pattern of conduct appears to disproportionately target XXXX XXXX consumers, including myself, in violation of federal laws prohibiting racial discrimination and retaliation. 
Failure to Provide Reasonable Assistance : I am a consumer experiencing documented financial hardship due to medical issues, yet Citibank failed to provide reasonable assistance. Their refusal to engage in good-faith efforts for a payment plan has compounded my financial difficulties. 
Instead of accommodating my request, Citibank retaliated by closing the accounts and reducing credit limits, which has had a devastating impact on my credit score and financial stability. 
Legal Violations : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : Citibank 's actions appear to reflect racial bias and discrimination against me as an XXXX XXXX  consumer. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Reporting a false closure request constitutes inaccurate reporting, which has damaged my creditworthiness. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 : Citibank and Home Depot engaged in unfair and abusive practices by failing to offer reasonable payment arrangements while closing accounts without authorization.

Retaliation : Citibanks refusal to assist and subsequent closure of my accounts in response to my hardship and request for accommodations amounts to retaliation. 
Requested Relief :
Consumer complaint received 2024-09-19
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. (WI)

I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has hurt my reputation, and I need your help. The mishandling of my credit information has greatly affected me, and the inaccurate reporting has caused serious harm to my reputation. It is essential that you remove these false details from my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have reported to credit bureaus that this woefully unprofessional and substandard mortgage company completely stopped reporting to credit bureaus as of XX/XX/year>. So, as of today, my account is {$2000.00} higher than what it should be. I must get this rectified asap bc it is adversely affecting my credit score and ability to get certain loan products for my businesses. XXXX XXXX bought my loan from XXXX XXXX  in XX/XX/year> and it has been downhill from there. Its customer service is appalling and I have little to no faith in dealing with them. Company has a litany of poor/bad customer ratings online and is seemingly inept or grossly mismanaged. Very frustrating to have an incorrect credit report with zero explanation as to why they stopped reporting on XX/XX/year>.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Dispute of Inaccurate and Derogatory Accounts on My Experian Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my XXXX credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my Experian credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my XXXX credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately. 

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes. 

Enclosed, please find copies of my identification, proof of address, and any additional supporting documentation. I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WY)

I looked at my credit report on XX/XX/2024, and noticed some things are incomplete, inconsistent and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts oXXXX XXXX acount # XXXX XXXX XXXX XXXX XXXX acount # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX acount # XXXX XXXX  XXXX  account # XXXX XXXX  acount # XXXX XXXX XXXX  acount # XXXX, are incomplete, inconsistent and inaccurate.and according to15usc 1681s-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.i demand the accounts removed from my credit reports or pay me {$1000.00} per violation.stop violating my federally protected rights.
Consumer complaint received 2024-08-27
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. ()

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  . According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/year> This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXXXXXX  late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>. This information is incorrect and negatively affects my XXXX XXXX. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AutoNation Enterprises Incorporated (OH)

I bought a car back in XXXX from XXXX XXXX an AutoNation dealer. I recieved an XXXX warranty and an XXXX XXXX warranty. I drove the car back from XXXX  to XXXX, and then down to XXXX. It broke down 24 days after purchasing it and roughly XXXX miles after owning it. XXXX  of XXXX took a week to get me my easy care information delaying repairs and now that I have the information XXXX is launching an investigation into why it broke down so quickly but they need the bill of sale. But they wont answer the phone. Additionally there are terms of the bill of sale that they havent completed almost a month after the fact. And I still dont have my tags. On top of all of this, when I took the car to my closest AutoNation dealer, as per the instructions, they denied me and told me to take it to XXXX after verbally telling me to bring it in.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/2024 This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXXXXXX  late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

My credit reports are extremely inaccurate and incomplete! The FCRA states that everything reported must be 100 % accurate and my reports are the exact opposite of that. Payment dates, open dates, and amounts are not reporting accurately across Experian, XXXX, and XXXX 's credit reports. inaccurate credit reports have ruined my reputation with the banks and I am unable to take care of my family like I need to. I need all inaccurate accounts removed immediately or I will be forced to take legal action
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

On XX/XX/year>, I made an online purchase from XXXX using my Citi credit card, totaling {$440.00}. The package was scheduled for delivery to my home at XXXX XXXX XXXX, XXXX, PA XXXX. 

When placing the order, I left specific instructions for the delivery to be made to the front porch, where the package would be hidden from plain view. Despite these instructions, the package was reported as delivered by the shipping company. 

On the day of delivery, my father and sister arrived at the house around XXXX XXXX, approximately XXXX minutes after the delivery time. They searched the front porch and surrounding areas but did not find the package. I contacted my sister at XXXX XXXX  to check if the package had been delivered, and she confirmed that it was not there. 

I immediately contacted XXXX to report the missing package. XXXX provided images and delivery status confirming that the package had been delivered to my address. However, despite this confirmation, I believe that the package was stolen after it was delivered and left unattended on my porch. 

As of today, I have not recovered the package, and I am unable to retrieve the items I purchased. I have attempted to dispute the charge with Citi, but the dispute was closed in favor of the merchant due to the delivery confirmation provided by XXXX. 

I am filing this police report to officially document the theft of my package and to provide this report as evidence in my ongoing efforts to resolve this matter with the involved parties.