davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

Amount : {$170.00} My husband and I have been receiving calls from Genesis for months claiming we owe a debt from a previous landlord. We have repeatedly asked to receive a detailed bill to determine if the bill is legitimate. They have repeatedly failed to do so. Every communication has simply stated amount. On XX/XX/14, the agent that call me claimed the bad credit marks would be removed if I were to pay immediately and they would leave us alone, then refused to send a letter stating as much in writing. I pushed for it to be sent in writing, and he eventually agreed. At the same time, my husband received a call, he explained this to the agent, the agent made false claims that this information had been sent by XXXX, that Genesis had to no requirement to do so. He threatened that if we didnt pay now, we would lose a lot more money, my credit would be damaged, and other veiled threats. He refused to cease after my husband said he would be retaining legal counsel. He was forced to hang up. I called genesis to get his employee Information so we could report his threatening behavior, and he was later identified as XXXX XXXX. Imediately after this call, XXXX, then proceeded to call me, who, less than 5 minutes before me from another agent. His voice was immediately recognizable, but he identified himself by another name. I was able to confirm this was the same individual during this call, which we recorded. He again refused to listen, or acknowledge that we had stated our intent to retain legal counsel. I then received a text message from Genesis immediately after that conversation and another email. I feel this constituted harassment, threats, and illegal debt collection practices. My husband also made a complaint regarding this and the credit removed, but it has not been removed from my credit
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX Sunday in 2024 I deposited {$1100.00} on my Bank of America account from my cash app account. The transfer was successful however, upon my attempt to withdraw my funds from the Bank of America, ATM, drive-through and inside the bank, I was refused. I tried the entire {$1100.00} {$400.00} and then {$300.00}. My account was restricted and I only received {$400.00} from the ATM.. I got a fraud alert on my phone that I answered and cleared, I tried the withdrawal again. it did not go through so I went back-and-forth between the drive-through and the inside bank and my app constantly viewing all my transactions confirming that all of my transactions were in fact authorized by me. Every single time- the app let me know, You can use your card with confidence. Try the transaction again. And again my withdrawal failed. 

I called the number on the receipts, provided to me by the ATM, keep in mind this is XXXX Sunday that XXXX trying to enjoy with my family, introducing our faith to my daughter, I was told that was the wrong department, and was transferred multiple times. 

In conclusion, I did not get the correct amount of funds that I requested from the ATM, the funds that I just deposited. 

My balance is reflected incorrectly. My balance is showing as if I was allowed the funds from the ATM, which I was not, so I wanted to go to a different ATM I couldnt. 


XXXX was ruined from my family and I because I decided to use Bank of America as my financial institution. My rent will now also be late because of Bank of America. 


I think it would be fair that Bank of America returned my funds as well as pay a fee for the inconveniences they caused, and the late fee that I will receive in addition to my rent, due to no fault of my own. My rent is late because of Bank of America 100 %. I deposited funds and try to withdraw them- a simple task and was met with an incredible disappointment. I have absolutely no confidence in this financial institution any longer. I hardly ever used this account now that my financial status is getting better and I tried to use this account. This is what I met with and it is ridiculous.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

CFPB Complaint No. XXXX Incomplete Investigation and Request for Address Correction I am writing to address the recent communication from Experian regarding the completion of an investigation tied to my CFPB complaint ( No. XXXX ). The investigation is not complete, as there remains an unresolved issue regarding the address listed on my credit report. 

As I have previously detailed, the address associated with the following identifiers : Address : XXXX XXXX XXXX, XXXX, PA XXXX Address ID : XXXX Geographical Code : XXXX is incorrect, unmailable, non-deliverable, and therefore inaccurate. This continued inaccuracy is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under section 1681. 

Despite your claim of a completed investigation, this address still appears on my credit report. To rectify this situation and ensure compliance with the FCRA, I am once again providing a recent utility bill and my state-issued identification as proof of my correct address. 

I am formally requesting the immediate deletion and update of the inaccurate address information from my credit profile. The persistence of this inaccurate information can have detrimental effects on my credit standing and overall financial health. 

Please expediently process this request and provide written confirmation once the erroneous address has been removed and my credit information has been correctly updated. 

I appreciate your prompt attention to this matter and expect a response within the statutory timeframe. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credence Resource Management, LLC (KS)

under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I tried to add my credit card to XXXXXXXX XXXX XXXX i was told i needed to call to verify my identity which i did by providing my 'secret word ' that i setup when i got the credit account years ago. They then asked for a phone number to text me a verification code, which they didn't do and instead said they needed a second phone number to text me at also. i provided them two phone numbers at which point the customer service rep told me i needed to provide more phone numbers. I don't know how many phone numbers they think people have or that i need to provide, but two phone numbers is more than enough. they then asked me to give them my bank account numbers. when i tried to ask why they are asking for so much information from me when i've had the account with them for years, they went silent and refused to speak. i hung up and called back. I got a different customer service rep who told me that my account was now locked and that they would no longer be providing me any customer service. I asked to speak to a manager or supervisor and was told that there are no managers or supervisors working and that i'd have to wait up to 48 hours for someone to maybe call me back. i tried asking why they won't just verify my identity and why they're making me jump through all these hoops and they refused to answer me or provide me any answers. i then told them to go ahead and just cancel my credit card since they don't want me as a customer and they refused to cancel my credit card.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame.
Consumer complaint received 2023-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (TX)

Village Capitol has not analyzed my account since XXXX. As a result, the XXXX analysis shows a LARGE shortage. I have called a few times requesting the shortage be spread over 60 months so that I can afford the payment and that I may come up with a plan to allocate additional funds to escrow, when available. I have made this request well before the higher payment would be due. Twice now I have been promised I would receive a call/answer within 5 days. Unfortunately, this was an empty promise. 

The request made is a reasonable one and is practiced industry wide to avoid delinquency and foreclosure. The projected escrow shortage is {$3900.00}. This caused a XXXX payment shock. In today 's financial climate, this is a SIGNAFICANT unexpected cost and at no fault of mine. The shortage would not be a great if Village Capitol would have annually analyzed my account as dictated by RESPA Guideline. 

From my perspective, not analyzing my account seems predatory in the effort of getting me to refinance my home, rolling the shortage in to the loan and giving a higher interest rate. There are check and balances in place to avoid the misses of annual analysis. Why is it that Village Capitol missed this effort?
Consumer complaint received 2024-04-01
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: Credence Resource Management, LLC (FL)

I recently started a non profit organization involving domestic abuse. I was looking to start building my business credits and credentials. I was denied because of my personal credit in which I reached out to debtors about my situation I consistently reported to them that my identity was stolen and some of the negative reports in my credit are false and is a case of fraudulent activity.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX. Immediately was charged {$35.00} annual fee and paid it. Web site would not allow me to pay online and had to pay extra fees to XXXX. My wife and I decided not to use the cards. When I called customer service they said my account was locked with a fraud alert and I would have to drive XXXX hours to the closest facility with ID. I talked to a supervisor who repeated same. The cards were never used or even activated!
Consumer complaint received 2024-04-01
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: ENCORE CAPITAL GROUP INC. (FL)

I recently started a non profit organization involving domestic abuse. I was looking to start building my business credits and credentials. I was denied because of my personal credit in which I reached out to debtors about my situation I consistently reported to them that my identity was stolen and some of the negative reports in my credit are false and is a case of fraudulent activity.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (DC)

this account # XXXX was disputed back in XXXX and was still showing on my report up until my second dispute. Now it is removed that is a violation because it shouldve been removed from the first dispute as it was sold to a third-party as a charge off, I dont owe any debt via the FCRA LVNV violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. *Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HW Holding, Inc (OH)

XXXX has noted that FCRA does NOT require them to maintain records of disputed accounts. XXXX has " destroyed '' the records for a dispute that is not even 2 years aged ( was completed on XX/XX/22 ). 

XXXX indicated that " keeping that information would be at my detriment and unfair ''. I explained that my " public '' credit report is much different than their internal notes, which I requested. 

At this time, XXXX has indicated that I have never made a dispute on my credit file, which is inaccurate, as at least XXXX ( including this issue ), if not XXXX, have been logged with that agency. 

Since I can not see the details, I assume that I have the correct dispute report number of XXXX ( see attached email confirming that XXXX knew of and sent correspondence related to this dispute ).
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Collection Systems, Inc. (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX  job, I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Consumer complaint received 2023-12-09
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am currently unable to transfer points to any transfer partners through Capital One. I have a VentureX credit card. 

I am able to get into my account with 2 factor authentication through text. I then go to my rewards, click on " Convert Rewards '', and then as it says my phone number is " not a point of contact '' even though it's always been the same phone number on my account. I am not even offered a different option for verification, as it prompts me to call customer service at XXXX. After over an hour talk, I am still unable to complete this, get a code, and make it work. 

I have called all week and no resolution other than we are working on it. They assured me this was not an issue with my device but something across the board. No solution, voucher, or any other remedy were provided for me. They are withholding my assets against my will, with no help or resolution. I'm asking to please step in and help me on this matter.
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (TN)

Credence Resource Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX added a collections request for a {$2400.00} Debt with XXXX XXXX being the original creditor. 

I called XXXX as I am a customer of theirs but never have used them for XXXX services. They said that they had no record of the debt and could not help me. 

I called XXXX and asked them to provide proof of the debt. They tied the debt to me at an address in another state. I asked to provide proof that it was me and they simply replied that I owed the money and that the debt was in my name. Then they said even if they were to remove the collection that it would quickly return. They offered to negotiate a lower amount. I had this conversation 5 times because they kept transferring me until I got fed up and hung up on them.
Consumer complaint received 2023-12-09
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NEW YORK COMMUNITY BANCORP INC (NV)

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 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and Consumer Credit plan as late for any purpose.
Consumer complaint received 2023-05-22
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. (IL)

XXXX XXXX XXXX account was opened fraudulently I sent over FTC identity theft affidavit and XXXX police department incident report and TransUnion will block the account from showing up on my credit report
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (VA)

I was issued a Warrant of Debt in the mail ( not properly served ) from LNVN Funding LLC ( c/o Resurgent Capital Services ) . Upon receiving this notice, I immediately researched this company as I have NEVER had any dealings with them. Apparently this company has MULTIPLE Federal class action lawsuits against them for predatory collection tactics, among other suits. I have also checked with my local district court whom has NO RECORD of a warrant being filed. This means this company forged a LEGAL state document as a way to scare me into payment ( see attached documents ). I was able to pull up this form myself online and can tell the form was improperly filled out. In addition, this company has been sold and brought by multiple other known debt collection agencies ; therefore, I am unsure as to what company actually is owed money, if any. Per my legal counsel, I will pursue a lawsuit of my own due to illegal predatory tactics used against myself to collect a debt, in addition to not being properly warned there was an account in collection status.