davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Letter of Removal Dear Portfolio Recovery Associates, I am writing to formally request the removal of my debt from your records and the cessation of any further collection activities related to the alleged debt. After careful consideration and several attempts to resolve this matter, I have discovered multiple issues that raise concerns regarding the legitimacy and legality of the debt collection process. 

Firstly, I have sent three dispute letters to Portfolio Recovery Associates regarding the lack of proof of the alleged debt 's profitability. Despite my requests, I have not received any satisfactory evidence or documentation supporting the validity of the debt. This failure to provide essential information raises serious doubts about the accuracy and legality of the debt in question. 

Furthermore, upon conducting thorough research, I have found that Portfolio Recovery Associates lacks the necessary license in California to collect on a debt. As per the information provided on your website and various regulatory documents, there is no mention of Portfolio Recovery Associates holding a valid license for debt collection activities in California. This oversight further undermines the legitimacy of your claim to collect the alleged debt from me. 

Based on the aforementioned reasons and the absence of proper documentation, I kindly request that you immediately : Cease all collection activities related to the alleged debt. 
Remove any negative reporting on my credit profile associated with this debt. 
Confirm in writing that the debt has been nullified and no further collection attempts will be made. 
Failure to comply with this request may result in legal action being pursued against Portfolio Recovery Associates for violation of debt collection laws and regulations. 

I expect a prompt response within [ number of days, e.g., 30 days ] from the receipt of this letter. Please send all correspondence regarding this matter to the address mentioned above or via email at [ your email address ]. Additionally, I request that all future communication be conducted in writing to maintain a clear record of our interactions. 

Thank you for your immediate attention to this matter. I trust that you will handle this issue professionally and in accordance with the law. I look forward to receiving written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (FL)

I currently have a debt under my name for past due tolls from NTTA ( north Texas tollway association ), however, I have in the past disputed, said balance with NTTA, because I am military. I am enlisted in the United States XXXX XXXX, and have not even lived in Texas in since XXXX. The vehicle listed under the tolls, was a XXXX XXXX that I have not owned since XXXX. This debt should not be under my name, these tolls were not perpetrated by me. The vehicle is not mine.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

The bank is holding a check whose funds were already released by the issuing bank. They are refusing to contact the bank or the check issuer to confirm validity. They said their internal system does not recognize the company or number that issued the check. The only recourse they are offering is to wait up to 10 days. I will be overdrawn as a result. This is unacceptable.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (CA)

This is the certified letter I sent to them last week regarding my account see below. I have a credit refund balance since XXXX. They sent me checks of the years but I never cashed them because I wasn't aware of credit refund and thought it was a scam to cash. I contacted them in XXXX in XXXX and told then I didn't realize I had auto pay on my account and is requesting a credit refund of all the amounts taken from XXXX of opening of the account. I was making XXXX payments a month apparently. I mailed them this letter below since the correspondence department handles this and mail is the only option this is what I was told via phone. I contacted them today again for a follow up XX/XX/XXXX via phone and they stated they did receive my letter and stated it wasn't clear of what I wanted which I did indicate exactly my request of all monies owed to for overpayment to be sent to me via check. They are not willing to send me my check of monies owed and I am reporting them for fraud and not returning monies owed to me legally. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Attention : XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Refund of Credit Balance Dear First Progressive, I hope this letter finds you well. I am writing to request a refund of the credit balance on my account with your company. The purpose of this letter is to request for a credit balance refund for the entire duration of account opened since XX/XX/XXXX. 

As a valued customer, I recently noticed that my account shows a credit balance. After reviewing my records, I have confirmed that this overpayment was made unintentionally. Therefore, I kindly request that you process a refund for the excess amount as soon as possible. 

I would appreciate it if you could initiate the refund process and provide me with an estimated timeframe for when I can expect to receive the refund. Please ensure that the refund check is issued with the full amount owed to me from the beginning of the opening of the account. 
If there are any further documents or forms required to complete this refund process, please inform me promptly. I am committed to providing any necessary information to expedite this transaction. 

I would like to express my gratitude for your prompt attention to this matter. I value your excellent customer service and I am confident that you will handle this refund request with the utmost professionalism. I look forward to receiving the refund at your earliest convenience. 

Should you require any additional information or have any questions, please do not hesitate to contact me via email or phone, as indicated above. Thank you in advance for your assistance.
Consumer complaint received 2023-07-01
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 — Their investigation did not fix an error on your report
Company: Amsher Collection Services, Inc. (IL)

I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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 ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (TX)

Attached is the ACSI response to this collection. as u can see by their documents provided there is two different bills with two different amounts owed. Furthermore, this dept is in violation of HIPPA and also against my FDCPA rights. As shown in the two different bills under procedure descriptions a detailed list of what was done medically also to what XXXX and that is a violation of HIPPA. 

Also, the page showing acknowledgment of receipt of dental materials fact sheet & brident notice of privacy practice neither of the boxes are checked there for documents required to be provided by hippa law were not provided. 

also all the documents provided have discrepancies in the name. I am XXXX XXXX XXXX XXXX. 

The document each show a different name : XXXX XXXX or XXXX XXXX XXXXXXXX Furthermore, as seen in the provided Texas ID the signature does not match any signature provided on any of the documents provided. 

Lastly the bill also states XXXX XXXX, XXXX, XXXX yet the creditor listed is XXXX XXXX and XXXX XXXX  is not listed on any of the documents provided. 

I request that this be removed from all credit reports since it is a violation of my HIPPA rights and FDCPA rights. Also, since the credit reporting company 's documents provided all have discrepancies. 

All discrepancies are Highlighted in yellow.
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

The response from USAA is not an accurate description of what took place. I have documentation from XXXX XXXX XXXX XXXX  showing otherwise facts in this matter. I am not at all satisfied with the reply as it is not accurate. I have called and left 5-6 VM for XXXX the Advocacy Adviser since receiving her letter last week and she has yet to return my call.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (NE)

In the last two months, I have tried to dispute a debt that popped up out of nowhere on my credit report. The first notification was from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX representing XXXX XXXX for the amount of XXXX. Which I dont dispute owing XXXX XXXX. The second account that popped up was from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX for XXXX and it says the original company is Tire Agent. I have tried to dispute this multiple times because Im being charged the same debt twice. Each time it comes back that the amount is accurate, when Im fact it is but I only owe the debt once. So today XX/XX/29 I tried to reach out to leafy financial and got a cellphone voicemail. So I then reached out to commonwealth financial and spoke to a supervisor by the name of XXXX XXXX who informed me that XXXX XXXX was the client they were representing. I asked him if that was the case then why is this debt being reported twice on my credit report, and when I disputed it you didnt clear it up with the credit bureau XXXX I requested something in writing stating that they Commonwealth were in fact representing XXXX XXXX and he told me he couldnt send me anything in writing. He could only send me what I owned commonwealth. I then stated that that is indeed fraud if youre reporting the same debt twice under false pretenses and will not clear it up. I asked to speak to his boss and he would not let me because he was busy. I stated that I would hold and he told me I couldnt hold and he would disconnect the call. I expressed I had no problem working out a solution to pay the debt after it isnt being reported on my credit twice. He refused and hung up on me.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

In attempts to make a monthly payment, I called the company 's XXXX number to determine the total balance, date due, and monthly minimum payment. In listening to their recorded message it was discovered that the company has an incorrect telephone number connected to my account. After listening to the recorded message I hung up and called the XXXX number again revealing the same information. I called again to speak with a live representative who informed me that they were unable to provide any information on the incorrect number even after I provided my correct telephone number. I disputed the representive explaining their information was wrong. The representative was uncooperative and I explain I would contest their information regarding their information on my account. This is the second time in over 7 months that I've listened to the recorded message which reveals the same incorrect number. On each occasion the company has refused to explain why they have an incorrect telephone number connected with my account. I called the XXXX which revealed the number was unallocated. 
I've had issues with XXXX 's in the past in keeping accurate records of my XXXX  account which caused me to contact their corporate offices. In the previous two events, XXXX 's has overcharged my account either in record keeping or at the customer service desk.
Consumer complaint received 2023-07-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upstart Holdings, Inc. (TN)

On XXXX a loan with the company Upstart was taken out in my name. I was made aware of this after a military training event when I made a check into my credit score. The company had performed little to no background checks in regards to ID verification, and had issued the loan with incorrect information. I had attempted to follow what the company had suggested according to their fraud department, and had contacted all three credit bureaus upon noticing the fraud account. Contact was made in XXXXXXXX XXXX XXXX 

As with life in the service, I was not available to make follow ups on my own behalf in timely manners, and as such had my durable POA act on my behalf. To which the company refused to work with at every turn. Even after having been given complete access to the issue by my verbal omission. This has only extended the issue into this date of XXXX. 

As of XXXX where the company now claims to have failed to receive a forum provided by them that was submitted in triplicate to them, to the address that was provided by Upstart. A request on where to find a new forum to be faxed was made, where Upstart then provided incorrect information, and a fax number on where to send it once completed. Attempts to get the correct information failed, and the company has little to no interest it seems in getting the issue resolved. 

As a large overview of the situation, I have never had the displeasure of dealing with a company who is so unwilling to work with a fraud situation. I am in great disapproval at their customer care in regards to dealings with a POA, and their validation process to get a loan issued. As it seems there is little to no verification as to the correct ID of any information of the person. Had they done so, they would have easily made note that the bank used in this account, the address used, and the employer information were all incorrect, dated, and no longer applicable.
Consumer complaint received 2023-06-29
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. (PA)

Fruad accounts appearing on credit report. 

1. XXXX XXXX {$1000.00} 2. XXXX XXXX XXXX {$3400.00}
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  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. As a result, this account should be deleted.

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 2023-07-01
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. (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (TX)

Chase XXXX XXXX : Social Security Number Activity XXXX XXXX : XXXX XXXX WA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greetings, I recently opened a credit card and as I was checking my credit score, I noticed that I received two alerts regarding the usage of my social security number. I am not aware how those individuals have used my social security number. Those alerts received are listed above.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-31
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. (TX)

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.

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.