davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (MD)

On XX/XX/2023 an uncollected debt was reported to the credit bureaus by National Recovery Agency in the amount of {$360.00} owed to Housing Authority of XXXX XXXX XXXX XXXX. A few months back, I received a letter from the Authority asking me to pay {$360.00} and I requested back by a certified mail to explain the debt. However, I never received a response back until I saw this same amount being reported to the credit bureaus. I have rental properties in the county and I have done business with the Housing Authority in the past. However, I was in the receiving end and not paid anything to the Authority before.

I called National Recovery Agency about a month ago to explain the debt and they sent me years of files of my rental payment from the Housing Authority but, didn't indicate how the {$360.00} became a debt. As soon as I received the file, I called the recovery agency again and the response I received is that what we got from the Housing Authority and couldn't help me further. I asked the agency to remove this reporting from my credit report until this issue is resolved but, they refused.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OK)

I am opening a new complaint related to complaint : XXXX. 

My original complaint still stands. They did eventually credit me the bonus, *after* I spent several hours on the phone with customer service agents ( getting the run around ) and filed a complaint with the CFPB. However, they did not comply with the terms and conditions of the promotion, which required the bonus to be paid " within 90 calendar days from the date from the date you complete all Required Activities. '' I am seeking recompense for the failure to abide by the terms and conditions of the agreement, and for the time I have been forced to consume dealing with customer service reps and the CFPB ( to receive my duly earned bonus ). I bill at $ XXXX/hour and have conservatively spent 4 hours trying to resolve this issue, so I am seeking {$800.00} from Citi. 

In addition to my original complaint, I now have a new complaint against Citi. They lied to the CFPB in responding to my original complaint. They claimed *to you* not to have any record of me being a customer, but they had no problem responding negatively to my complaint via my private email ( message attached ). For the CFPB to take Citi 's word and closing a complaint without giving the consumer an opportunity to refute the companies claim is absurd.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (IN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : 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 2021-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC (VA)

Revco Solutions sending mail to a relative 's address in my name, which is not my mailing address. Company has the mailing address and a debt consolidation company which currently working with. In XX/XX/2021, Revco Solutions sent mail to the correct mailing address in XX/XX/2021 and XX/XX/2021 mail was sent to relative 's address.
Consumer complaint received 2024-03-01
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc. (AZ)

My account holder XXXX had pulled me into an office away from the public and began to ask me very jarring and invasive questions about my personal life and relationship with my daughters mother. XXXX ) XXXX began using the words XXXX, XXXX. 
XXXX ) XXXX began interrogating me about my relationship with the mother of my daughter. Asking if we were married or lived together. He kept me in the room until I decided I couldnt say no and filled out the paperwork. Made me feel very coerced and uncomfortable.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OR)

My credit limit was reduced due to credit report. I verified my credit report. No issues found. Perfect credit. Citicard did this on both of my XXXX cards, XXXX of which is Costco. They reduced my limit to current balance which SEVERLY affects my credit score.
Consumer complaint received 2021-06-29
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: CITIBANK, N.A. (MD)

Macy 's reported my credit card had late payments. I never made a late payment and requested written documentation.XXXX I therefore closed the account. I need to have the late removed from credit immediately.
Consumer complaint received 2021-06-29
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: HYUNDAI CAPITAL AMERICA (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (IL)

XXXX continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit Experian report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit XXXX report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.
Consumer complaint received 2023-05-27
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. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating.

All was Disputed on XX/XX/2021 No was not Taken
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I hope all is well, I just want to say thank you very much for allowing me to have a credit card with Capital One. I do apologize I was late XX/XX/2020 due to the pandemic I was having a hard time that month. Can you please remove the late on all three credit bureaus I really do apologize it wont happen again. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2024-03-22
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. (NY)

" I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations.

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts/Collections that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Funding Metrics LLC (VA)

I needed a loan for my small business. I XXXX  for information and their information came up as same day LOAN and I filled out the application. I recieved calls and emails saying to send last XXXX months of my business banking statements which I did. They called me saying I needed to provide them with my banking information in order for them to log in and assured me it was a normal protocol. They needed my company ID, login ID and password. I was confused because I had sent the statements over already. An hour later they called again and said I was approved for the {$50000.00} I had requested. They sent me LOAN documents and I signed them but did not understand it was a MCA and not loan. I was told that {$50000.00} would be deposited in my bank though they would need to subtract their fees which was the first weekly payment of {$2100.00} They were paid weekly on Tuesdays by ACH payment. I noted that several unusual transactions were coming out of my account weekly. It was Funding Matrix. When I was unable to stay up with payments I was immediately harassed, my family texted, my patients who have protected information were also texted and harassed. They threatened and I was at that time told by XXXX XXXX that it had to be in default in order for them to negotiate ( while also paying XXXX XXXX 's escrow for negotiating, I am no longer with them. They are coming after my patients and threats of liens. I do NOT know why they are able to operate but was told that because they are not a loan company they are free to destroy many businesses. I have been trying to stay afloat. I wish I had known about MCA and have paid well over the XXXX with XXXX % interest. I have XXXX weeks left and could be free of it but I have no money left. Is there any advice you could give me
Consumer complaint received 2023-03-06
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. (PA)

i sent a letter out XXXX XXXX to XXXX, XXXX, Equifax and the Creditor. Here is my tracking XXXX, XXXX. However, its been more than 30 days and the credit bureaus and creditor failed to send my investigation back. This is not making any sense. 

According to the law 15 USC 1681i Permissible purpose of consumer reports- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer and the notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (MA)

i openned an account at american express serve prepaid card adn had no activity and on XX/XX/2022 had a direct deposit of XXXX and recieved an email stating due to activity my account was closed because i violated customer agreement with activity date available was XX/XX/XXXX customer service phone number XXXX Transaction ID XXXX serve account card number XXXX XXXX XXXX i have been unable to resolve this with american express serve and feel that i was robbed and american express serve refuses to return my money after several attempts to reach customer service american express serve stated if i wanted to file a letter of indemity i can file a claim. i feel i shouldnt have to file a letter of indemity and simply get a check mailed to my home address mr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mass XXXX
Consumer complaint received 2024-03-22
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and 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 2021-07-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IN)

XX/XX/2021, I went to my lender 's website to apply for the covid-19 forbearance that was still available. Afterwards when I was doing more research on what assistance I have available to me, I discovered that the forbearance offer ended on XXXX XXXX! They falsified the facts that it was still available by still offering the link to apply for it! That bit of information should have been on the forefront of important information that they would be relaying to their customers being the fact that they are a mortgage company. There was also a like offered at the same time next to the link I used that was labeled other assistance that I am unable to go back to since I already picked the forbearance link. 

This link should have been removed from being available XX/XX/XXXX, NOT XX/XX/XXXX.
Consumer complaint received 2021-07-04
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: Experian Information Solutions Inc. (GA)

I have sent out an complaint about inaccurate information that is being report on my credit report. It has been well over 30 day with no responds as an consumer under 15 USC 1681 ( a ) under the exclusion section under ( b ) anything that was extended or authorized from my credit card should be excluded from my consumer report.
Consumer complaint received 2021-06-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-04
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: Southwest Collection Services, LLC (LA)

To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 3 ) Restrictions on sharing of Medical Information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.

Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

As a Federal protected Consumer, I never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint. 

Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : Southwest Collection Services- ACCOUNT NUMBER XXXX Southwest Collection Services- ACCOUNT NUMBER XXXX
Consumer complaint received 2021-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debtsy Holdings, Inc. (FL)

Debtsy inc at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX has been sending me collection notices in the amount of {$150.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-07-04
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. (IL)

I have been trying to dispute the accuracy of acceptance Now on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since 2020. There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.