davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (NJ)

On Monday XX/XX/XXXX/17 I received a call at my employer by the name of a gentleman XXXX XXXX. I 've asked him please do not contact me at work and to call on my cellphone. Everyday since, either him or another employee have continued to contact me on my work phone and I continued to ask them to call my cell, the one woman who called me said you wo n't have to worry about the calls, because you will be sued and served in person at your job. I 've asked for any documentation in regards to this debt that I owe and they could n't provide me with anything. I informed them I have never received any documentation or any phone calls from them which I 've had the same cell # for 10 years. They have also called my Mother and told her everything about my account and that I will be sued if I do n't call them. They have left threatening messages on my cellphone and also my work phone. Telling me it would be in my best interest to contact them by the end of the day or they would continue to contact my employer. They called my job again today XX/XX/XXXX/17 and I informed them I wanted to deal with the company ( original debtor ) regarding this matter, I 've read bad reviews on this company and I 'm tired of them harassing me at work and I informed them I would pursue with a complaint. XXXX then yelled over me and said I was " Ignorant '' for believing what I 've read and I will be sued by him. I received an email from them stating they would " Settle '' however that 's not a settlement amount he told me that was the full amount due. I 'm tired of the calls at work and now on my cellphone threatening to sue me, when I have never received anything from them whether in the mail or on the phone until recent, and they claim they 've been contacting me. This XXXX is also acting as if he 's an attorney. I also thought it was mandatory as a debt collector to always say, " This is an attempt to collect a debt from a debt collector and any information obtained will be used for that purpose '' They have not once said that to me on the phone, but was in this bogus letter I received. I want this company to stop calling me at work and now on my cellphone and calling me names.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC (MO)

I reach out to XXXX XXXX  to freeze credit report then I reached out to courts where I was told that they do not report to credit bureaus so I reach out to them to remove it they are stating they are saying the creditors verify the account XXXX and XXXX
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP ()

I tried to withdraw XXXX XXXX  on my union bank account to a XXXX XXXX  ATM machine and it says unable to processed. When I check my balance, that XXXX XXXX  was missing on my savings. The machine did not dispense the money yet it was debited. I filed a complaint on the same day, XX/XX/XXXX and it not resolve yet till now. Union bank said my money is not yet credited back by XXXX XXXX. I tried to call XXXX XXXX  today for like 50 times and they never answered. I hope to resolve this as soon as possible.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
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: WELLS FARGO & COMPANY (PA)

A fraudulent purchase was made through XXXX on and around XX/XX/XXXX  for XXXX on our Wells Fargo credit card. We were alerted by Wells Fargo of the fraudulent charge and immediately discontinued card. Wells Fargo removed the charge. One month later the charge was put back on our card because Wells Fargo stated that XXXX stated that we made the purchase using a valid email address - the one that Wells Fargo had on file for us. We did not make the purchase, authorize the purchase or receive the purchase. We were told the purchase was for XXXX XXXX. We have disputed the charge through the bank now 3 times. We have disputed the charge through XXXX via email and letter. We are seeking a resolution for this fraudulent charge using our credit card and private information. We do not have or have ever used XXXX nor do we have a XXXX account. We also had fraudulent activity on the card at the same time for XXXX which was removed by Wells Fargo We have requested the investigation report multiple times but did not receive it.
Consumer complaint received 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (OH)

Flagstar bank miscalculated my escrow payment by almost 100 % and is charging me over {$2000.00} extra per month. I have to make the full payment or they will impound the funds and not apply it to the payment and I will be in default. 
After contacting them by phone and email to correct the problem and providing a copy of the tax bills they have not responded.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX and credit card, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USB 1666B : 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX XXXX XXXX. XXXX, Citi Credit Card Services Dept., XXXX, returned my call, RE-New Credit Card Offer Application : Callback regarding dispute that CITI CARDS CBNA made a Bank / Credit Card Inquiry by checking your XXXX  XXXX  File on XX/XX/XXXX. Inform XXXX that I didn't completed the XXXX XXXX credit card offer application, when asked a question, I chose not to answer, I aborted the application. Inform that I received a denial letter today, dated XX/XX/XXXXXXXX  stating the reason for the denial : Too many inquiries are recorded on your credit report. This is not true information. XXXX provided Citi Credit Card Services Subscriber # XXXX and stated that she would submit the dispute to remove dispute from XXXX and it could take up to 30 days.. I requested that she submit the request to remove the inquiry also from XXXX and XXXX. I later received a letter dated XX/XX/XXXX form Citibank, N.A., stating we are unable to remove the inquiry form your credit bureau report. The inquiry was made in order to review your application for a new account with us. Sincerely, XXXX XXXX XXXX. XXXX.
Consumer complaint received 2023-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I submitted for a loan modification. My income is almost XXXX per month. Rushmore loan management which is now called XXXX XXXX decided to change my income to under XXXX per month and denied my modification stating my income was not enough. I sent 3 months bank statements and a profit and loss which proved my income. They gave me no reason for the reason of the income change. I have equity in my home and I never had a modification before. There is no reason they should be denying this when I have the ability to pay.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have written to equifax on XXXX and XXXX and they continue to ignore my diputes of inaccurate and unverifiable information on my credit report by ignoring me. I feel violated and it has defamed my character while in the process of purchasing a home for my family. I have written to equifax several times and it has been over 60 days since my first dispute. This was not sent in error, I am a consumer by law and my information is being misused. The two accounts of XXXX and XXXX are totally inaccurate and they have not verified it by showing me how they come up with those amounts.
Consumer complaint received 2023-09-08
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: Ratchford Law Group, P.C. (MA)

I had a very old debt from 2013 that was bought from XXXX debt collector to another. 
The second debt collector has threatened to sue me even though I have never made a payment to them. The debt is over the statute of limitations and not required to be paid after 3 years in NH and 4 years in MA
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/2024 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against Portfolio Recovery Associates XXXX Inc for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Portfolio Recovery Associates , Inc has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with Portfolio Recovery Associates , Inc. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with Portfolio Recovery Associates proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. Portfolio Recovery Associates conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that Portfolio Recovery Associates take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If Portfolio Recovery Associates is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation. 

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (TX)

I've recently checked my credit report and noticed some inaccurate credit accounts reporting. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RENT RECOVERY SOLTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have contracts with these companies, and I don't owe the debt. Please verify that my personal information is accurate when verifying this debt. I've noticed these companies falsely reporting inaccurate information regarding my social security number. My social security number listed on my credit report is completely different from my own.
Consumer complaint received 2023-07-22
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: Experian Information Solutions Inc. (FL)

These inaccurate addresses that reporting without my consent or approval i am 100 % sure these addresses is not mines ( XXXX XXXX  XXXX XXXX, XXXX XXXX, Fl XXXX ( Remove immediately/ Unauthorized item ) I never lived here. 
XXXX XXXX XXXX XXXX  XXXX XXXX, Ma XXXX ( Remove immediately/ Unauthorized item ) I never lived here. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX , FL XXXX XXXX inaccurate ) Must correct address - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX UNAUTHORIZED address/ I never lived here ( REMOVED AND DELETE ) ( 6 Accounts reporting ) US DEPT OF ED/XXXX  6 Unauthorized ACCOUNTS Open XX/XX/XXXX This company is reporting Multiple times on my report and reporting inaccurate information/ account is reporting 41 potentially Negative Months. In which it is very strange because i didn't give this company permission to run my credit and issue out credit or etc. 

XXXX XXXX XXXX Open:XXXX Balance updated : XX/XX/XXXX XXXX XXXX Original Balance : {$17000.00} Balance : {$20000.00} CLOSED ( 51 POTENTIALLY NEGATIVE MONTH ) INACCURATE This account is outdated. Passed 7 years old. ACCOUNT IS REPORTING INACCURACY. This account is reporting information without my written consent. It is illegal to report late payments 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) / 15 USC 1681a ( d ) ( 2 ) ( B ) 15 usc 1691 denial of credit SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
ACTION : Remove immediately/ DELETE ACCOUNT. 


( COLLECTION ) XXXX XXXX XXXX Account # XXXX Open:XXXX INACCURATE original balance : {$610.00} Debt buyer Balance updated : XX/XX/XXXX ( inaccurate/ VIOLATION ) XXXX XXXX XXXX /Original creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX Open:XXXX UNAUTHORIZED original balance : {$1200.00} Debt buyer : Unauthorized ( VIOLATION 3rd party ) 15 USC 1682 XXXX /Original creditor : XXXX XXXX XXXX XXXX  Account # XXXX Open:XXXX COLLECTION original balance : {$640.00} UNAUTHORIZED Debt buyer : Unauthorized ( VIOLATION 3rd party ) 15 USC 1682 - Validation of Debt ( documents of signature in ink and contract ) XXXX XXXX XXXX/ Original creditor : XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Open : XX/XX/XXXX, XX/XX/XXXX 2 COLLECTION same company ( IDENTITY THEFT ) ( Duplicate ) XXXX XXXX. 
VIOLATION UNDER CONSUMER LAW. 
NOT MINES OR HAVE ANY OBLIGATION
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Im assuming that you either didnt receive my letter I sent on XXXX to this date XXXX over 60 days later I have not received a response about these misleading unverified accounts that are reporting to my credit profile. I understand that you receive thousands of disputes each day but on your website it states to specifically disputes through mail which I did. I demand these accounts be removed immediately and to receive proof that you did an independent investigation on the items that are misleading. Thank you I hope to get a response and information resolved quickly.
Consumer complaint received 2023-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (PA)

I requested written validation of my debt. I received a validation letter dated XX/XX/2023 from Arcadia Recovery Bureau , LLC that failed to include the following information : 1. Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong 2. An end date for a 30-day period when you can dispute the debt The debt collector did provide an itemized statement from the creditor, XXXX XXXX XXXX XXXX XXXX XXXX but the amounts differ from the validation letter. 

Professional Charges : Total Charges : XXXX Professional Payments and Adjustments : XXXX XXXX XXXX Total Insurance Payments and Adjustments : XXXX It is not clear how the debt owed came to amount to {$140.00} as indicated in the validation letter from Arcadia. Doing the math as listed in the itemization I come to a total of XXXX. 

XXXX XXXX XXXX = XXXX I received multiple bills from the creditor, XXXX XXXX, with differing amounts ; on XX/XX/2023 total payment due {$140.00} and XX/XX/2023 total payment due {$210.00}. Also, the itemization of the current amount of the debt does not reflect payments or credits within the validation letter, which differs from the creditors itemization of the above-mentioned payments and adjustments. I am submitting this complaint because I was not given proper information regarding this debt collection, nor an ability to dispute, nor an end date to dispute by, or a reasonable explanation of the amount of debt owed including any adjustments, or credits applicable. The debt collector and creditor appear to be using disingenuous accounting to misrepresent owed amounts which needs to be investigated further.
Consumer complaint received 2021-03-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE COLLECTION AGENCY AGREED TO DELETE THE COLLECTION ACCOUNTS THAT I PAID BUT THEY ARE STILL APPEARING ON MY FILE
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NE)

I immediately called the number ( XXXX ) shown next to the unauthorized charges and vented my objections. After our discussion, the representative agreed to cancel the charges and provided cancellation # XXXX. I sent the information to the Citi after calling them and requesting that my card be canceled. Citi representative during the call instructed me to pay the minimum amount required ( ( {$41.00} ) to prevent being charged a late fee. Attached is my correspondence with Citi and their responses.
Consumer complaint received 2023-02-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I requested for experian to remove XXXX credit card from my credit report, my XXXX  card went inactive on or about XXXX, I went to XXXX  on XX/XX/XXXX, sometime in XXXX XXXX  reopened my credit card without any authorization and the card was fraudulently used. It would have been impossibe for me to reactivate my card, I was in XXXX  with a sentence of XXXX  months which is XXXX. this account was reactivated under fraud pretence, I gave this information to experian and XXXX  card and they have continued to report this account with the fraud charges and as charged off, I am not reliable for this debt. I was XXXX.