davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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 (FL)

Received a call from Genesis XXXX XXXX on XX/XX/24 ( XXXX ) XXXX. XXXX was left on my phone asking to return call. Returned call same day and spoke to a XXXX who stated I owed a debt of {$5300.00} for an apartment rented at XXXX XXXX XXXX. Informed XXXX that I'm a victim of identity theft and asked if she could send documentation to my email. Received an email with debt listed on XX/XX/24.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates is in non-compliance with the Gramm- Leach-Billey Act your company defined as a financial institution, have never notified me of the INITIAL OR ANNUAL PRIVACY POLICY NOTICE as mandated by the GLBA statutes aforementioned. Furthermore, i have not been afforded the opportunity to opt-out of the sharing personal nonpublic information with third parties, such as any information you get about an individual from a transaction involving your financial product ( XXXX ) or service ( XXXX ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) therefore the privacy rules protects a consumer " nonpublic information ''. your company has failed to meet the obligations under the privacy rules and GLBA by not providing an opt-out notice explaining the individuals right to direct you not to share my NPI with XXXX nonaffiliated third party, also reasonable way to opt out ; and a reasonable amount of time to opt out before you disclose my NPI " nonpublic information '', So why does PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX non-complaint institution, continue to report negatively on my credit profile and put my privacy at risk? THIS IS NOT a request for verification or validation of debt, this is a compliance issue per Sec. XXXX of the GLBA, and until the compliance can be proven and substantiated, i demand that these account permanently be deleted within XXXX hours.
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX Transunion : XXXX, XX/XX/XXXX has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC (MS)

Upon checking my credit report, I had a massive amount of unknown inquiries that I had no knowledge of. Once I found out about this I then put a lock on my social security number and started to reach out to some of these companies. I then realized that it would be a lengthy process because they gave me the run around. These inquiries are hurting my score as well as impeding my progress to furthering my family and myself financially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NJ)

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX oXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

A written request was made that you supply information and documentation to validate a debt. The request was sent via certified mail on XX/XX/2023 and XX/XX/2023. To date I have not received all the documents I requested. According to the Fair Debt Collection Practices Act, 15 U.S. Code 1692g - Validation of debts, the request must be provided within a 30 day period. AS of today XX/XX/2023 those documents have not been provided. The documents listed below were requested and not provided in the 30 day time frame or at all.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (MD)

I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Consumer complaint received 2024-01-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

AMEX gift card for {$50.00} is declined every time I have tried to use it. Online or in store. I have checked the balance numerous times. Verified everything. AMEX customer service is no help. Online assistance is no help. Website hardly works correctly.
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (CA)

GoodLeap did not send me an email on XX/XX/XXXX to remind me that the " no interest '' due on Loan of XXXX, account # : XXXX will expire in XX/XX/XXXX. I was sent first Email from XXXX of this account # XXXX date XX/XX/XXXX in the amount of {$240.00}, due XX/XX/XXXX. I spoke to several Several Supervisors, XXXX was one of them who told me that he would waive the interest rate if I pay in full {$15000.00}. Which I did on XX/XX/XXXX. Unfortunately, I got another email on XX/XX/XXXX indicating that I owe {$2700.00} for interest rate not paid from the loan : acct. # XXXX. GoodLeap phone number is : XXXX, address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSWORLD SYSTEMS INC (FL)

TRANSWORLD SYSTEMS INC for a listed debit of {$320.00} for XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX This is the XXXX time this collection account has wrongfully been added to my credit report, I have even spoken with Transworld, and expressed this is my account, for the 2nd time in 3 years. In 2019 I had this already removed as I proved that I never lived at an an address listed in XXXX XXXX, I have never lived at before. At the time the account was opened fraudulently in my name with SSN, I was living in Florida. I had this removed from my report 3 years ago, and I proved it was not account, however they have attached it to my credit again, and refuse to accept is not my account and is fraud. The address listed in XXXX XXXX does not match any address I have lived at on my XXXX report, so how they can get away putting back on my credit is illegal. Please help and have them remove and taken off their creditors list as this is not my account and I did not owe them {$320.00} for XXXX XXXX. I have attached proof I was living in XXXX from XX/XX/2019.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I was contacted by this collection agency I informed them I don't think this debt is mine as I don't recall any of this. I asked them to verify the debt & also sent them a letter asking for a debt verification. Nothing from their part was received. All I'm asking is for the debt to be verify.
Consumer complaint received 2024-01-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (AL)

I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a XXXX XXXX XXXX XXXX I need help please
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (IL)

To whom it may concern, Im writing to dispute the following review on the improper use of my credit reports. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC166B. A creditor must not treat a payment on an account under a credit account under an open and consumer credit plan as late for any purpose. 

Please see the following accounts outlined below all reports on XXXX, XXXX and XXXX. : XXXX XXXX XXXX XXXX : XXXX & XXXX of XXXX. XX/XX/XXXX Late payments reviewed on my credit report. 
US bank : XX/XX/XXXX late payment reviewed, XXXX, XXXX and XX/XX/XXXX Late payment reviewed on my credit report.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (KY)

IT has come to my attention that there are late payments being reported on my consumer credit report and per. 15 US CODE 1681A TITLED DEFINITIONS RULES OF CONSTRUCTION PARAGRAPH 2 OF THIS TITLE IS TITLED EXCLUSIONS AND SUB PARAGRAPH ( A ) SUBSECTION ( i ) STATE THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

I had a Bloomingdales credit card account. I called to pay it off and close the account within the date allotted. The rep unbeknownst to me, failed to process my payment. All follow up notices were mailed to an incorrect address. As soon as I was made aware that they never closed the account / processed my payment I immediately called to resolve the debt. I had near perfect credit and this unfairly damaged my score. I have never had a late payment and need Bloomingdales to contact the credit Bureau to remove the charges, as they had made the mistake damaging my score. I can verify through phone records that this was handled way ahead of time. 
Thank you.
Consumer complaint received 2023-04-26
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. (UT)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TN)

Received a call from Sunrise Credit Services about a debt from XXXX XXXX. I requested proof of debt in writing. She informed me I received it already. When I stated I had not, verified my address and requested it to be sent. She Said it would be sent immediately. I have still not received anything in writing. This request was made in XXXX of 2023.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo Claim : XXXX I am really in shock that I have been notified the credit I received on XXXX XXXX is being taken away XXXX XXXX. This claim needs to be reopened immediately. I never received my order/ any of the merchandise I paid for from the merchant Reformation from my order totaling merchandise worth {$2100.00} posted to my account XXXX. I received a terribly packaged and damaged, empty shipping box covered in yes you are reading this right, XXXX!!! XXXX!!!!!! Human XXXX XXXX. I am still in shock over this, I sent all of the documentation to the company at the time and will attach it to this email because the fact I can not get my money back after not receiving the goods I paid for and having to handle a box soaked in human XXXX is absolutely insane. My apartment has no street access or way inside the building so this was entirely of the fault of the company and shipper. I had to go get a blood panel and XXXX tests run in XXXX because I fell severely Sick and questioned whether it had to do with that XXXX. This is insane and this needs to be reopened and reviewed. Images attached. I am filing claims over this with the CFPB and OCC and plan to close all of my Wells Fargo accounts after this. I never even received a letter from yall asking for more documentation. I actually have no words. Wells Fargo granted me a credit of the amount on XXXX XXXX and I just received a letter in the mail from them saying they are taking it back XXXX XXXX with no other info after radio silence for the last month and never allowing me to send them documentation or support of any kind. I have since emailed them all of this documentation of the situation that I originally sent reformation after they failed to make the situation right originally, and have tried multiple times to call but can never get through. This needs to be made right and Wells Fargo needs to back me considering all of the evidence I have.
Consumer complaint received 2024-05-08
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: CITIBANK, N.A. (TX)

I no longer host possession of this credit card. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately. A Fair solution would result in removing this inquiry altogether.
Consumer complaint received 2024-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXXXXXX  RightPath Servicing sent a response letter containing knowingly false statements. RightPath Servicing falsely claims that the proof of insurance provided by the borrower only covers the four walls of the unit and exterior fixtures. The servicer has received proof of ample coverage in the form of a side-by-side comparison image of the HOA master policy coverage and the HO6 insurance coverage purchased by the servicer. RightPath Servicing ridiculously claims " Everything inside is not covered by the association ''. This type of response is one of many ridiculous claims/statements made by RightPath Servicing , such as, " the verbiage betterments, improvements and walls-in '' are required terms that must be found in the HOA master insurance policy in order for the servicer to accept coverage. RightPath Servicing also stated, " sometimes HOA 's include HO6 insurance in the master policy '' but insinuated that the proof of insurance sent by the borrower did not have such HO6 coverage. It is abundantly clear that there is a serious lack of understanding of this issue within the employment of the servicer. RightPath Servicing has recently accepted proof of insurance coverage from the borrower in the form of the HOA master insurance policy, coverage for period XX/XX/XXXXXXXX  to XX/XX/XXXX. This policy, as required by the XXXX XXXX HOA Governing Documents, provides coverage for the entire unit including the interior. The master insurance policy provided by the borrower back in XXXX, XXXX and XXXX of XXXX  as proof of coverage, provides the same all inclusive coverage as the policy recently accepted by the servicer. The numerous and repeated false claims by the servicer, RightPath Servicing, are new offenses each time a new false claim is made or the false claim continues to be made after proof of the falseness of their claim has been provided. Each time a knowingly false claim is made, a separate offense has been committed. In order to overcome the claim by the borrower that the claim made by the servicer is false, RightPath Servicing must respond with the requested documents proving the validity of their claim or position. The recent document provided by RightPath Servicing, a letter from XXXX XXXX XXXX to the borrower, stating the HO6 insurance purchased by the servicer has been canceled due to the proof of insurance provided by the borrower, is only proof of the borrower 's current position.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (TX)

XXXX is violating my right to privacy and I have elected to opt-out of any future credit reporting especially negative items currently on my report. I was denied credit by PenFed. They are in violation of 18 U.S. code 1028 Fraud and related activity in connection with identification documents, authentication features and information ; 15 U.S.Code 6802 Obligations with respect to disclosures of personal information ; 15 U.S. Code 6801 Privaty Obligation Policy ; Can't produce Social Security Release Consent forms. ( SSA-3288 ) with my signature ;! 5 U.S.Code 1691 Congressional Findings and Statements of purpose:15 U.S. Code 1681a Defintions rules of construction ; 15 U.S. Code 1681b ( Permissible Purposes of Consumer Report ) 18 U.S. Code 8 Obligations or other Security of the United States that all debts public and private is settled by the United States : Texas Penal Code Sec . 32.53 and Texas Penal Code 32.51
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Phone : XXXX APPLICATION : XXXX TO WHOM THIS MAY CONCERN, RECENTLY I SUBMITTED AN ONLINE APPLICATION FOR A CREDIT CARD DUE TO SEVERE FINANCIAL HARDSHIP. ONLY TO BE DENIED ACCESS TO MY OWN CREDIT AS A CITIZEN, WHICH IS A FRAUDULENT BREACH OF FIDUCIARY DUTY..

WELLS FARGO IS CURRENTLY IN VIOLATION OF THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT.

NOTHING LESS THAN FULL REMEDY OF THIS MATTER WILL SUFFICE. 

FAILURE TO RESPOND WITHIN XXXX BUSINESS DAYS, WILL CREATE IMMEDIATE LEGAL ACTION.