davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Case # XXXX was previously submitted to CFPB on XX/XX/XXXX. The complaint was sent to company on XX/XX/XXXX ; on XX/XX/XXXX, the company responded stating they were still working and on XX/XX/XXXX, the company responded with XXXX closing the case. The company response on XX/XX/XXXX is shown below and it stated " As of the date of this letter, we are still reviewing your concerns with regards to your account. Once we complete our research, a resolution including any supporting documentation will be provided. '' The credit card account ending in XXXX ( previously XXXX ) was opened on XX/XX/XXXX. Due to non-payment, the account charged off as a loss to the bank on XX/XX/XXXX, with a balance totaling {$6500.00}. Subsequently, we agreed to settle your outstanding balance for {$3700.00}. This payment was received on XX/XX/XXXX. As of the date of this letter, we are still reviewing your concerns with regards to your account. Once we complete our research, a resolution including any supporting documentation will be provided. Please understand due to the extensive research and complexity involving your case additional time is required to fully address your concerns. The typical resolution time frame is up to 60 days or more ; however, it is possible that we may resolve your concerns earlier. We apologize for the time it is taking to address your concerns and we do thank you for your patience while we research this matter on your behalf. I will continue to work on your case until a conclusion is reached. When our research is complete, we will respond to you directly. 

The company 's point of contact regarding this matter was XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints at Bank of America. Phone # : XXXX, extension XXXX. I have reached out to her many times via voice mail and email and have not received a response back I am respectfully requesting that CFPB reopen this case and contact the creditor ( Bank of America ) for resolution to my complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2019-02-05
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: John C. Heath, Attorney at Law, PLLC (MS)

I have been sending complaints In for a few years. And yet the issues are still happening as we speak. My score from XXXX was XXXX now I dont have a score. Ive been paying XXXX for months to fix my credit. My score for XXXX keeps dropping. How many more complaints must I send in before someone does something about my issues. All these items hospital bills on my credit with very confidential information. I was denied a advancement because of my credit and all the issues Ive continued to report
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I am writing to formally address a matter of utmost concern regarding the persistent harassment and fraudulent debt collection attempts perpetrated by Columbia Debt Recovery LLC, operating under the alias Genesis. Over the past several weeks, I have been subject to unwarranted phone calls, unsolicited correspondence via USPS mail, and relentless email communications, all in relation to an alleged debt amounting to {$4800.00} purportedly owed by XXXX XXXX XXXX. 

It is imperative to note that I, as the natural living individual named XXXX XXXX, refute any association with the purported debt claimed by Columbia Debt Recovery LLC DBA Genesis, or XXXX XXXX at XXXX. These allegations are baseless and amount to nothing short of fraudulent targeting against my person. 

Furthermore, upon conducting thorough research utilizing the National Multistate Licensing System ( NMLS ) Consumer Access site, I discovered that Columbia Debt Recovery LLC DBA Genesis lacks the necessary licensing to conduct debt collection operations within the state of Florida. This egregious violation of Florida Statutes Title XXXIII Chapter XXXX underscores the illegitimacy of Columbia Debt Recovery XXXX 's actions. 

In light of these findings, I demand an immediate cessation of all fraudulent collection attempts by Columbia Debt Recovery XXXX DBA Genesis. Additionally, I insist upon the prompt notification to all relevant credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX, to expeditiously remove any erroneous derogatory remarks and accounts associated with this fraudulent debt from my consumer report. 

Laws referenced : Section XXXX of the Florida Statutes, XXXX XXXX of the Florida Statutes
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (NH)

I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs  a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/2022 I received in the mail a new PenFed Debit Visa Card that I never applied for and do not want. I called the number on the back of the card and was asked for my DOB and SSN at which time I hung up. I then went to the internet and found the PenFed website and reached out to their customer service. I was informed that there was no account associated with the card number and expiration date I provided. The card looks very real and even has a hologram and chip.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

This is regarding my HSBC credit card account. When I checked my account on HSBCs website, I found online that several charges were on the account. I have not used the new card at all due to the previous issues. Further, per the balance transfer agreement and previous correspondence, attached, there should be no finance charges for the first 15 months. Also, there is a cash advance fee but no cash advance showing. 

On XX/XX/XXXX I contacted HSBC via chat and also on XX/XX/XXXX but so far, there has been no resolution. Please reverse the charges for XX/XX/XXXX forward. Thank you.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I called to report my bankruptcy charge was incorrect on the date of discharge. Then I was told my name was incorrect on the file, when I tried to correct it I was told a run around statement. Starting with them telling me they got my information from reporting agencies and then telling me to correct it by sending in my DL copy and SS card copy. After being a victim of a data breach I do not feel comfortable with that and also told them that my creditors had my name right and they needed to fix there problem. After fighting with a supervisor over this that had broken english, he then hung up on me.
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (CA)

Around XX/XX/XXXX I recieved a call from Ameritech Financial, with regards to help pay for my student loans. I agreeded to have them handle the transfer of my loans from XXXX. They took XXXX dollars a month from XXXX to XX/XX/XXXX. This is when I got word that the CEO had been arrested for fraud. I immediately contacted fedloan, and instead of lowering my loans they have risen. In short I just want my XXXX back.
Consumer complaint received 2019-02-05
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: JPMORGAN CHASE & CO. (MD)

both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating AID, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX XXXX claims no such remark is showing on file but recent report from XXXX sent out XX/XX/XXXX from them is not accurate.
Consumer complaint received 2017-07-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc. (CA)

I work for XXXX, XXXX, XXXX XXXX XXXX, XXXX. We are a XXXX XXXX XXXX ( XXXX ) firm with XXXX offices and over XXXX employees. This debt collector RSI Enterprises calls our XXXX XXXX, California office daily. I work for our corporate office as well as our XXXX office and I have contacted this company weekly for the last six months asking to have the telephone number removed from their list. When I answer the call it is always a recording and leaves the telephone number ( XXXX ) XXXX as the call back number. I have spoken with several individuals explaining this is a business they are contacting not someone 's personal and/or home phone, and each time I 've given them our main number ( XXXX ) XXXX and the XXXX number ( XXXX ) XXXX, requesting to remove the number from their list, last call on Friday, XXXX XXXX,2017. Today, XXXX XXXX, 2017, the call comes through again, I call the XXXX number above and the male individual by the name of XXXX becomes agitated as I stated I am going to report this business as I 've requested several times to have our business number removed from RSI calling list, as we do not know who they are looking for and it is quite annoying and frustrating to receive these calls so frequently. He became irate and spoke rude and aggressively. Upon checking XXXX XXXX #, he said this number was removed on XX/XX/XXXX, hmm that 's strange. I said yes it is, and if you keep reading you will see I 've called several times to have this problem corrected, and yet RSI continue to call our office, why ca n't someone from this company remove our number so that we can STOP receiving these calls. If you call XXXX 's numbers listed above, you can confirm we are a legitimate business and RSI should be competent enough to successively remove our business number from their list. He hung up on me.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I had spoken to JP Morgan chase mortgage department about removing of pmi as well as escrow for taxes and insurance on XX/XX/XXXX. I was told that I met the requirements to remove pmi and subsequently the requirement for escrow. Around XX/XX/XXXX I received a letter stating that I need to have an appraisal done to remove pmi, which I had completed in XXXX of XXXX, this was due to the representative on the XXXX not properly filling out the pmi removal request. The representative from mid XXXX assured me that they would take off the pmi as well as escrow requirement before my XX/XX/XXXX payment. On XX/XX/XXXX I was charged for pmi though I was told I met the requirement to have it removed and so I called JP Morgan Chase to resolve the issue. The representative stated that this was normal though on XX/XX/XXXX I was sent a letter by JP Morgan Chase stating that I would no longer have to pay pmi after XX/XX/XXXX. I was then sent a letter on XX/XX/XXXX stating that my escrow account would not be closed until XX/XX/XXXX though I was assured by previous representatives that it would be prior to XX/XX/XXXX. On XX/XX/XXXX I was charged for the escrow and as of XX/XX/XXXX JP Morgan Chase increased the escrow requirement though it was suppose to be closed. I have recordings of every conversation that I have had with JP Morgan Chase regarding this matter if required.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Opportunity Financial, LLC (TN)

Opportunity Financial XX/XX/2022 amount {$850.00} is unknow account on my credit report. Try to contact this company but they keep put me on hold. I can't get no phone representative to speak with me about to account..
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 


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 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 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

Equifax Information Services LLC. is incorrectly reporting my father 's bankruptcy on my credit report. My father and I share the same name, except I use the XXXX suffix. My father does not use a suffix. My father filed for Chapter XXXX Bankruptcy in XX/XX/2016 and Equifax has incorrectly assigned the Public Record to my credit report. I have never filed bankruptcy and this credit reporting agency is incorrectly providing slanderous information to lenders and I am unable to buy a car, buy a home, or receive any lines of credit because of this incorrectly reported bankruptcy. 

I have filed multiple disputes with Equifax. By phone, by fax, and by Certified Mail. Equifax has taken no action to rectify the information on my credit report. 

They are incorrectly reporting my father 's bankruptcy, incorrectly excluding the XXXX suffix from my name, and incorrectly assigning my father 's address as a previous address on my record.
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 


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 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 2022-09-02
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: Lendmark Financial Services (NC)

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (FL)

I have asked XXXX XXXX XXXX to validate a debt they allege that I owe, as it is my right to do so under 15 USC 1692 GXXXX XXXX XXXX has refused to provide the supporting documentation needed for me to properly review the alleged debt. I also have requested they provide me with my wet ink signature on a document that gave them permission to report this information to my consumer report and they have refused to do so at each request which is a direct violation of my privacy as a consumer under 15 USC 1681. They did NOT exercise their grave responsibility, they have been unfair, and were patrial in the matter under 15 USC 1681 a 4.
Consumer complaint received 2022-08-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.
Consumer complaint received 2022-09-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

My social security information was exposed. These three accounts are not mines : XXXX, XXXX, and XXXX. I have attached documents that show I have a new license number and two reports that show where my information was exposed. Someone used my information to oprn these accounts.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act