davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY ASSOCIATES has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who PORTFOLIO RECOVERY ASSOCIATES is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PORTFOLIO RECOVERY ASSOCIATES is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from PORTFOLIO RECOVERY ASSOCIATES via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized PORTFOLIO RECOVERY ASSOCIATES as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ PORTFOLIO RECOVERY ASSOCIATES } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to PORTFOLIO RECOVERY ASSOCIATES, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-12-30
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. (MD)

A closed account is not supposed to be reporting balance every month. I have requested debt validation from transunion to validate XXXX XXXX XXXX and they keep verifying a debt without proper documentation to prove the balance reporting. I have submitted a fraud complaint to FTC for proper investigation as transunion cease to validate my dispute and without investigation. 

I recently received a response to a dispute ( XXXX XXXX XXXX  ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
1 expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. Thank you very much, look forward to getting this resolved as soon as possible.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I attempted to log onto my online Bank of America account and said my account was locked. I called and they stated they had close the account due to investigation and that the account is closed. The rep also stated they no longer want me as a customer. They did not explain why or even reason for the investigation. I have been with this bank since 2014. I find it very unprofessional why they can not even give me a reason.
Consumer complaint received 2021-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I recently received a copy of my (  Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorizedXXXXfraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX, XXXX XXXX XXXX from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXXXXXX  from XX/XX/XXXX2020 XXXX IXXXX from XXXX XXXX, 2020 2020
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a XXXX XXXXt in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, XXXX XXXX. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo ) My lender, XXXX XXXX, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to XXXX, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked XXXX XXXX for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy
Consumer complaint received 2023-01-30
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: DISCOVER BANK (IL)

Discover bank is claiming i have a credit card charge off of XXXX, I have no knowledge of this account. Never had a credit card I've reached out multiple times, disputed this and they won't remove it off my credit report
Consumer complaint received 2021-02-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio (VA)

Account was opened XX/XX/XXXX. Thats when the calls started. They called 15 times a day from XX/XX/XXXX until XX/XX/XXXX. Before the hours of XXXX, after XXXX on weekdays and weekend calls have also been noted - totaling 120 calls between XX/XX/XXXX and XX/XX/XXXX. These calls can be directly linked to the company due to the fact vanchuffman came up on the caller ID. On XX/XX/XXXX a dispute was opened to state that this amount was incorrect, that the original balance was not being reflected on what Vance and Huffman claimed they were owed. The consumer reached out to resolve this issue only to be disrespected with abusive language and threats - with no validation received. My understanding is calls cant happen after a dispute is opened ( strike 1 ). They never validated the debt or reached out to the consumer via letter to validate after the consumer asked ( strike 2 ). They have unlawful business practice and extortion techniques ( theyre impersonating a law firm to try and appear as legitimate ( strike 3 ).
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX Suntrust withdrew XXXX without notification this made my account to be overdrawn. I was told they send me a letter stating they have placed this amount into my account 30 days prior for CO-VID relief and that in 30 days they would retrieve this amount. If I would have been notified I would have never accepted this amount. This amount was placed in my account without my knowledge. I ask Suntrust to give me copies of letter/emails has they told me they had send me and as of today 's date no copy of correspondence as been given to me. I have spoke to two supervisors On XXXX and was told nothing could be done. I called Atty General office XXXX XXXX was told to write it and send it in band call Consumer Finance spoke with XXXX and she advised the steps I needed to take. On XXXX I went in person to the branch to speak with a branch manager and was told an open investigation was open and I would be getting an answer via the correspondence of the emails/letter I was requesting of how the money was deposited and was going to be taken away from my account. The lady that help me by the name of XXXX XXXX. She was very unpleasant stating to me how can a person live without checking a bank statement. I told her I was not there for scolding me if I check bank statement or not I was I was there for the simple reason why and where was the correspondence allowing them to retrieve XXXX which was going to put my checking account overdrawn and they are going to get a lot of overdraft fees that I did not myself did and this was a scam for them to take all my money something that I did not do. As of today XXXX already my SunTrust account is XXXX overdrawn for not having the funds into my account. Money they took out without my knowledge without my consent and this is how the banks live of poor people with overdraft fees not made by me but by them. It was not nice for them to placed money on an account that was not overdrawn and by themselves made this account overdrawn to make overdrawn fees to take my money to pay SunTrust. To say they are helping people for COVID. If you notice Suntrust stated my account was overdrawn in the thirty days my account was never overdrawn.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

On XX/XX/XXXX I was notified by my credit monitoring company that a collection amount of {$2900.00} had posted to my credit from Sunrise Services Collection company on behalf of XXXX XXXX XXXX XXXX. Upon investigation, I learned that an XXXX XXXX XXXX XXXX affiliate had opened a cell phone account with equipment using my stolen Social Security number. During the new account set up process, the XXXX XXXX XXXX XXXX affiliate did not take a copy of the suspect 's identification nor did the affiliate run a credit check. Had the XXXX XXXX XXXX XXXX affiliate run a credit check using my stolen SSN, the new account would have been denied because I have had " locks '' placed on all of the credit companies for the past several years. 
XXXX XXXX XXXX XXXX has admitted that this account was set up fraudulently but in the meantime, my very high credit scores have plummeted, I have had to spend 20+ hours to date working to fix my credit reports, have had to file a police report and report with the FTC and am concerned about how long it will take to remove this fraudulent information from my credit. 
The fact that XXXX XXXX XXXX XXXX allows its affiliates to engage in these unethical practices involving opening new accounts is astounding and I believe needs to be investigated. I was completely unaware that this fraudulent account was opened two years until this week, when I was informed that XXXX XXXX XXXX had authorized Sunrise Services to place a collection notice on my credit. The suspect used my SSN but used a fake address ( not my address but in fact a business address ) and since I am a customer of XXXX XXXX XXXX, with a land line that I have had for XXXX years and have always paid on time, the account should have been checked against any existing accounts. I was never notified in the past two years ( the account was opened in XX/XX/XXXX ) that the account was in arrears because the suspect did not provide the affiliate with my correct address, phone and email. So after two years of an unpaid balance, my credit was compromised by a collection amount for an account that I did not know existed. If XXXX XXXX XXXX XXXX is not taking the necessary steps to check identify in an attempt to simply generate more revenue, their practices should be investigated.
Consumer complaint received 2020-07-09
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: CREDIT ACCEPTANCE CORPORATION (NJ)

i have filed much paperwork and made many phone calls informing the creditors of the mistakes on a recent report of mine. these account are not my doing, i have no knowledge of how they were open. theres one auto company claiming that i have late pays and {$10000.00} remaining on a balance. and a collection company trying to get {$950.00} from me for some reason. these accounts have many inaccurate details on me
Consumer complaint received 2021-03-03
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

I made a purchase at my regular spa for XXXX on XX/XX/XXXX, I received terrible service by an untrained new staff member. They rescheduled to fix the problem and rescheduled on XX/XX/XXXX. They said, my regular XXXX has left the job and wont be able to provide me a new XXXX  because they dont have any at the moment. 
They never fixed the problem, and said they will return my money upon checking with their boss/owner XXXX. I never received my refund. I filled claim with my credit card service provider Citi Costco Visa. On XX/XX/XXXX, they sent a letter stating, they are trying to get permanent credit. On XX/XX/XXXX they reversed the temporary credit without any explanation. I called and spoke with their dispute department rep. On XX/XX/XXXX and I was informed that their supervisor decided to reverse the credit. 

I am not responsible for the charges for services that I never received. I want my money back from the merchant and the credit card is not working to get it for me. They are heading me responsible. The merchant should be held responsible since they are one who failed to provide me the service.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

- I lived in the USA from XX/XX/XXXX to XX/XX/XXXX and moved to XXXX in XX/XX/XXXX - When in XXXX, I was able to put a credit freeze on my XXXX and XXXX utilizing their online services. When attempting to do the same with Equifax through MyEquifax I was unable to verify myself. I called on XX/XX/XXXX to get this rectified and was informed they were unable to identify me and would not send information to XXXX to correct but instead I needed to send Personal Identifiable information via mail ( e.g. SSN, Passport, License etc. ) to verify myself before I can have a MyEquifax account. As I monitored my credit on XXXX, at the time i did not do this. 

- On XX/XX/XXXX, I received through XXXX a alert that their was a Hard enquiry to Equifax for my U.S.A credit - On XX/XX/XXXX, I tried to call to dispute this and also activate my MyEquifax account to freeze my credit report, but was unable to get in contact with a Person, as their system tried to verify me and it would not accept me. The issue faced is Equifax only have details related to my U.S.A personal information ( e.g. Addresses, phone number etc. ), so when I confirmed my former U.S.A phone number it wanted to send a confirmation code to it. As I no longer have this phone, this was impossible. 
- On XX/XX/XXXX, I sent two faxes to Equifax ( to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, explaining my issue and included all the details they initially asked in my call on XX/XX/XXXX ( Passport , SSN, U.S.A Bank Statement, XXXX  Drivers license ). In my letter I explained that they will need to confirm my identity through all my old U.S.A history, and not any XXXX details. I included a copy of my Equifax report from XXXX, that clearly shows the addresses on file are from the U.S.A. I also noted they can only communicate to me with my XXXX contact information. 
- On XX/XX/XXXX, I received a response from Equifax ( dated XX/XX/XXXX ) that noted they were unable to help due to being unable to verify my identity and requested I provide the exact information I provided in my initial fax. The letter noted they required proof of my XXXX residence, when as clearly stated on my first letter, all information in my U.S.A credit report is from the U.S.A - On XX/XX/XXXX, I rewrote to Equifax and provided the same information again via registered mail to the address noted on their letter and clearly stated for the second time, that they will only be able to verify my U.S.A details, as none of the XXXX information will be on their system. 

As of todays date, XXXX XX/XX/XXXX, I am yet to receive any response. 

Note : The XXXX address provided in the correspondence has since changed due to a move within XXXX, but should not effect any information on the Equifax system
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting 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 7 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 2021-10-20
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.