davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (OH)

Dynamic recovery solutions contact me telling I owe {$830.00} on a 12 year old debt I have never had or hear about with a cable company I try to dispute it telling then I never had service with such a company and they threatening to report it as a bad debt on my credit report and the company they told me I owe I never heard of or never had such services I am very very angry to think a collection company can push a debt on me I never never had and threatening me and bullying me not right
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (NC)

Here is an email I wrote on ( Mon, XX/XX/year> ) to XXXX XXXX XXXX XXXX : I applied for PPP around late XXXX XXXXXXXX of this year. I used XXXX XXXX XXXX to apply for both rounds simultaneously & qualified for 2 rounds of {$3700.00} each. Chime bank ( lender XXXX XXXX ) returned one of those rounds back to SBA claiming via email nothing was wrong w/my XXXX acct or XXXX, but when I called Chime, they said they returned funds because it was not a business account. I changed my bank to XXXX XXXX in the portal and was paid via XXXX {$3700.00}. When I look at my XXXX portal it says 1st Draw funded,2nd draw borrower withdrawn. 

A XXXX video showed a page on the SBA website basically stating if one qualified for both rounds, and one of the rounds experienced an error, that those funds were secured in our name and we would eventually be paid all of the money we qualified for. 

So, in recent news Chime bank has been delaying customer funds and the article said the CFPB was looking into them. It reminded me about what happened to me during the pandemic. But it didn't just happen to me. There is a whole XXXX  of small business owners who were told by Chime bank that the name they used on the PPP loan was not the same name used on the Chime account, and that is why the funds were not distributed. 
I told them they were mistaken as I just used my first, last name, no middle name. The customer agent who sounded like he was working in a busy XXXX office based on his accent told me he would check with his supervisor. After waiting on hold he told me I didn't get my PPP funds because I did not have a Chime business account. 

I explained I was an XXXX XXXXXXXX and I was the only employee & when I signed up through XXXX and Chime bank was listed as a provider, there was no wording to warn me that I needed a Chime Business account. I already had a regular account with them and have never owned a business account with anyone, though I am a small business. He said he was sorry and there was " nothing '' he could do. I called the SBA who passed the buck & said PPP was handled by the banks, even though Chime told me the moeny went back to the SBA. 

When I looked over the Chime website that gave instructions on how to apply for PPP, it says nothing about needing a business account. Not only that, I could not find a way to even apply for said business account. 
Here I will provide a link to Chime where they explain PPP rules as well as the XXXX of small business owners who were fraudulently told that their names on the PPP loan did not match the name on the Chime account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX XXXX ago So chimed denied my deposit yesterday because they said the name on the deposit didnt match the account. Which is not true. My name is the same on both. I called chime multiple times during to week and they assured me there would be no issue. My question is, what do I now? ]
Consumer complaint received 2024-01-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NC)

i was laid off do to XXXX XXXX  so i was late on payments but i did pay them but they wont take off my credit file i have reach out them but no resspone i took loan on XX/XX/ XXXX XXXXXXXX
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (SC)

As per the guidance from the Comsumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( bX4 ) -5***1002.142 ( bx7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( bX6 )
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PLANET HOME LENDING, LLC (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates , LLC has been attempting to collect an alleged debt for the amount of {$1200.00} since XX/XX/XXXX. Company claims it purchased the alleged debt from XXXX XXXXXXXX XXXX but has failed to validate it's claims despite multiple written requests for such by me per FDCPA. My last written request for such proof and validation was on XX/XX/XXXX and it was not acknowledged and company continues to engage in negative reporting and damage my credit in violation of FDCPA and FCRA.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Services, Inc. (TN)

Collection Management XXXX recently reported a collection item on my consumer reports. I got a call from XXXX XXXX a while ago in an attempt to collect an alleged debt. I told him not to call, but he can send me a letter. He stated that he has done it already. I requested him to send another one because I didnt receive it and he refused. I recorded the call for my records to prove this violation of the FDCPA.
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Debt was added to my credit report, i contacted genesis and XXXX assured me she would get back to me within a week. She failed to do so, i called back a month later and i got the same response, that the original creditors had not responded and to wait. here am now in XXXX and my lease is up and i am not able to move i am currently XXXX  and this is causing major stress on my health. We had a written agreement that my balance left was XXXX idk where XXXX came from. After the stipulation, rental assistance paid another XXXX.
Consumer complaint received 2024-06-25
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: Army and Air Force Exchange Service (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Recently I looked at a copy of my credit report and noticed a incorrect accounts. I feel that this accounts is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX  - Account number : XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance.
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (UT)

I contacted Genesis after discovering a new account in collections on my credit report. Genesis sent me a packet for fraud after XXXX calls to their organization asking how to handle this. They hung up on me once and the third call, I was able to get the packet sent via email. 

The instructions ask me to send them a police report which is logical, photo copies of the front and back of my ID, in addition, to my utility and mortgage information. This exposes me to so much more fraud and identity theft. All of my credit report shows I am a resident of XXXX  and havent left the state. I filed a police report with XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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)

In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the required documentation and a letter from an advocacy organization assisting me due to XXXX XXXX  resulting from XXXX XXXX This situation is covered under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I respectfully request that you remove the associated information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX involving XXXX XXXX, I am seeking the removal and blocking of all listed accounts from my TransUnion credit report. 

The accounts in question are : XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX, Account Number : XXXX Chapter XXXX Bankruptcy, Account Number : XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC (ID)

CB OF LEWISTON CLARKSTON INC has not provided me with debt verification, and I have not received any paperwork showing my rights as a consumer, how to dispute. The collection agency also reported a fraudulent collection when they didn't review my contract showing that the lease isn't to be paid till XX/XX/XXXX, and all cleaning fees inside of normal wear and tear are not chargeable to me according to my contract and including them as a repair isn't legal under idaho state law. All included in the contract I'll provide The company has also not followed FCRA 623 ( b ) ( 1 ) ( D ) in which they are required to notified XXXX and XXXX that XXXX has determined that the collection is fraud and has been removed off of my record. They are required to notify and rectify to all credit bureaus that it has been deleted and should be deleted post haste.
Consumer complaint received 2024-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lockhart, Morris & Montgomery Inc. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX Lockhart Morris & Mo XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Subject : Dispute of Inaccurate Collection Account Information Dear Lockhart Morris & Mo, I am writing to formally dispute inaccurate information that is listed on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The specific item I am disputing is as follows : - **Account Name/Number** : XXXX XXXX  XXXX - **Creditor/Collection Agency** : Lockhart Morris & Mo - **Type of Discrepancy** : Inaccurate Collection Account I have reviewed my credit report and have found that the above-referenced collection account is inaccurate. The details of my dispute are as follows : - [ Explain the reason for the dispute ; for example, this account does not belong to you, it was paid in full, it was never late, etc. 

In accordance with the FCRA, I request that you conduct an investigation into this matter and remove or correct the inaccurate information from my credit report. Please provide me with the results of your investigation within 30 days of receipt of this letter. 

Additionally, I request that you notify the creditor/collection agency of my dispute and ensure that they cease reporting this inaccurate information. Under the FCRA, any information reported must be accurate and verifiable. 

Please find my personal information below for your reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXXXXXX XXXX XXXX  Thank you for your prompt attention to this matter. I expect a confirmation from you once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (TX)

This is my 2nd attempt opening a complaint with CFPB ( XXXX : XXXX ) and it was closed. I have opened at least 6 disputes with XXXX and the latest ( XXXX ) was also closed. All my attempts to understand why I owe and how a debt from XX/XX/XXXX is hitting my credit gets closed without actual resolution. 

1st attempt closed from CFPB with justification : " This office does not report to the credit bureaus so no negative information has been sent by this office ''. 
The above quotation is not true. Which led me to open the below. 

6th attempt from XXXX ( XXXX ) was opened XX/XX/XXXX to report the contradiction made above. Now this is closed. 

This agency has reported to the credit bureau causing my credit score to drop at least XXXX. They have not provided any means or documents supporting their absurd allegation. Reference/Account # : XXXX XXXX documents are attached. 
" XXXX XXXX XXXX ( CFPB 1st ) '' " XXXX ( XXXX  XXXX ) ''
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (PA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XX/XX/XXXX, I had a XXXX  run a report on my husband that revealed he and someone from within Bank of America, created paperwork that claims to refinance the marital home I purchased alone in XX/XX/XXXX. They forged my signature. I spoke to a BOA rep named XXXX in XX/XX/XXXX. She stated BOA would send me all the contracts as the version I had via email had been blocked/password protected as a result of my email being hacked. XXXX said I would receive the following : loan history, monthly statements with the various mailing addresses on all statements, loan application, deed and the note. This paperwork would be sent for the mortgage, HELOC and lean release. There is corruption in the local legal system and previous Attorneys, representing me, either would not return the hard copies or sent subpoenas improperly so that BOA did not have to respond. I never refinanced my home and did not sign these contracts.
Consumer complaint received 2024-09-10
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Tally Technologies (CA)

Hello, Tally ( XXXXtally.XXXX  ) was an app that was supposed to consolidate debt, manage credit cards, and save money on interest. 

The business closed down and sold the account to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ), who has since failed to provide any info on account setup, apparent balance, interest rates, etc. I can't even find a website. Their customer service email bounces back an automated message with no effort at resolution. 

I went from using a credit card management service to having an inaccessible account with a balance that will likely be reported to credit bureaus with inaccurate info.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo Debit card was used in a fraudulent transaction on XX/XX/year> totaling {$500.00}. 
This happened at a NON-Wells Fargo ATM that is across the street from my regular bank. I did not make this transaction, I've had my card on my person while this transaction took place.

Wells Fargo is denying my claim stating that this was me or someone I know making the transaction. 

In my many years with Wells Fargo I have never withdrew large amounts of cash and certinly not at a NON wells fargo ATM. 

This was clearly a Skimming scam.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sezzle Inc. (IL)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission
Consumer complaint received 2024-08-31
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
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX