davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc. (NC)

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CO)

Hello CFPB, I have a collection for XXXX from XXXX. 

I am not aware of the original transaction date, just that the collection was placed back in XXXX where I noticed it in XXXX. I have never used XXXX and have been using XXXX XXXX   plan for the last 3 years. To more make my case I know it's not mine, is I have never received a email, physical mail, call, or any other means to make contact with me directly about a charge. 

On my XXXX  credit report. I have attempted to dispute with them, where they think it is accurate per my letter received. I have tried to contact XXXX  multiple times, however they do not answer. Nor is the website working correctly where I can not get in online to verify the so called information reviewed, or reach them by phone. 

I have had experience in mishandling before with disputes not actually being investigated. Last one I had was when I was a teenager, where XXXX  XXXX XXXX determined one as  accurate. Even though it did not even have my name in the original charge.
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account with XXXX XXXX that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of this account to this complaint on the following dates ( XX/XX/year> shows 30 days late ). I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (PR)

On XX/XX/year>, I applied for the Home Depot consumer credit card. Their website states, " See if you prequalifyNo impact to credit score. '' I decided to get prequalified and received a message that they couldn't get my credit report because it was frozen. They advised me to unfreeze it and call back. I did exactly that. When they went on to inquire about my credit report, they told me I was denied. I later found out that the reason was because of an issue with my address. I tried to correct the issue to get approved, but they have been unwilling to help with the process. My main issue is that they did a hard inquiry on my credit report and took off XXXX points when they clearly stated, " First, find out if you pre-qualify for The Home Depot Consumer Credit Card. This will not impact your credit score. If you're pre-qualified and accept the offer, your credit score may be impacted. '' As I mentioned before, I was not pre-qualified, nor did I accept any offer that would give them a reason to take XXXX points off my credit score and make a hard inquiry that I never agreed to.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NC)

A payment plan was discussed with the rep from XXXX XXXX to help pay for a repair for our home 's electrical system. I made a payment of {$160.00} on XX/XX/scrub> 2024, for the due date of XX/XX/year>2024. I made a payment of {$170.00} on XX/XX/scrub> 2024, for the due date of XX/XX/year>2024. On XX/XX/scrub> 2024 I received a past due notice. When I contacted Synchrony I was told that I made the payment too early and after speaking to a XXXX and that it could not be applied to my regular payment. I asked him if they could just refund my payment and he responded yes. He reassured me that I could receive a paper check in the mail around XX/XX/XXXX and provided escalation # XXXX I had not received the check and contacted Synchrony on XX/XX/XXXX and was told that they have no way of sending refunds and to contact my bank to obtain a refund. The bank advised that they only assist with fraud or payment errors and businesses process refunds. I asked to speak to a XXXX several times and was told one would contact me. I did not receive a follow up call and the rep could not assist with the information I was provided previously. Also, no physical statements have been received although we have requested them. Another escalation was placed on XX/XX/year>.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, I accidentally made a payment in the amount of {$1100.00} to Bank of America ( chose wrong card when using my bank 's bill pay - should have chose XXXX but chose Bank of America instead ). My balance was only {$370.00} leaving me with a credit of {$770.00}. 

I have requested a refund of this credit and spoken to at least 6-8 different persons beginning on XX/XX/XXXX. All gave me different stories on when I could expect a refund, and none of them were true. I still don't have this money. I have spoken to supervisors and specialists who were to be handling my case individually. I even received a call back from one person, who after doing " research '' indicated that I should receive a check in the mail by today XXXX. 

I don't know what else to do at this point, and their customer service is terrible. So I am turning to you for assistance.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

At the end of XXXX, I bought an item through XXXX. The delivery showed that it was " Left in locker/storage. '' on XX/XX/XXXX, but the mailroom/locker room did not receive the any package from XXXX XXXX XXXX for me. Then I contacted XXXX, and XXXX asked me to contact the bank to dispute it. So I disputed the expense and provided the purchase receipt and the historical screenshots of the deliveries of the mailroom/locker room to prove that there was no delivery on XX/XX/XXXX. After waiting for a month, Amex automatically rejected the dispute without any phone call or email updates. Soon after, I contacted Amex to ask the reason for the rejection, but Amex refused to provide the reason and asked me to reopen the dispute and provide documents again. So I asked Amex if they could tell me if there was any problem with the documents I provided before? But Amex still refused to answer. Then I asked if I could contact or communicate with the team that handled my dispute. Amex still refused and said that they could not contact the people from dispute team. Finally, I asked what documents were valid or could prove that I did not receive the delivery. Amex refused to provide any information and asked me to prepare all the documents I could provide myself. I tried to seek help, but Amex refused to provide any information and kept claiming that everything I said was noted down and someone would be there to check it. However, any questions I asked about the dispute were refused to answer.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (NJ)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX. 
Company Inquiries 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 BANK XXXX XXXX XXXX XXXX XXXX XXXXA
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

XX/XX/2020 this is my second call to Citi Card and I called to pay off a balance of XXXX. I was told I couldnt pay off the balance until I pay off another balance with them first. I couldnt understand why my balance was decreasing after never being late on payments and paying extra every month. It has been at XXXX for almost a year with the same balance! They refuse to allow me to make a payment to pay off a balance of XXXX with a interest rate of 9.99 %. Is it possible to find out where all the money that I have been paying is going and why it isnt showing up or helping decrease the balance. Further more we are in the middle of a pandemic, why am I not allowed to clear up debt regardless of how small. No one wants to be behind consistently during these times! Our country is in crisis yet Im able to pay a small bill that they refuse to allow me to pay! Legal action must take place!
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I received a notice dated XX/XX/2020 informing me that Portfolio Recovery Associates, LLC ( PRA ) had purchased my credit card debt from XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX with a balance of {$580.00}. 

On XX/XX/2020, I called PRA with the intention to settle the debt. The representative on the phone told me that PRA could settle the account if I paid {$490.00}. 

I asked the representative if PRA ever settles for less than the original amount offered. The representative told me that yes, it can happen, but only " randomly. '' The representative also told me that the offer would expire on XX/XX/2020 and I would be required to pay the entire balance. 

I asked if I could negotiate a settlement of {$300.00}, the credit card 's limit. The representative confirmed that PRA could not offer settlements less than what appears " randomly '' on the computer.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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  Account Number : XXXX Account Name : 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I am currently looking over my credit report on XX/XX/2020. I noticed that credit cards of mine are missing from my credit report file. XXXX  seems to show them but for some reason 2 XXXX cards and 2 XXXX 's cards doesn't show on equifax and XXXX. I called XXXX and XXXX 's both said they reported to all reporting credit agencies. I will show you the attachments the difference between XXXX and equifax and you guys can see the 3 cards that are missing. Hopefully this can be resolved as soon as possible. Thank you.
Consumer complaint received 2020-05-23
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: AmeriCollect (FL)

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They have " picked and chose '' which credit bureaus to remove accounts. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally. This erroneous and negative information has prevented me from refinancing my home, purchasing a new home, and purchasing a family car at affordable rates.
Consumer complaint received 2020-05-23
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. (ME)

sent XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX which was received by them XXXX when I called them 10 days later, they said they " did not know '' if the information had been scanned. 
Then I got a form from XXXX XXXX indicated they needed more information- ALL information needed was included in the package sent to them USPS- the Representative transferred the call, and the wait time was ridiculous ; and the designated dispute representative indicated they couldn't confirm receipt of the information packet that was sent to them Tracking # XXXX XXXX XXXX XXXX XXXX XXXX to try and log onto their " site '' is impossible ... typing in SSN multiple times, and no clear indication of username and password.

Equifax Tracking # XXXX XXXX XXXX XXXX XXXX Package Delivered XX/XX/20 XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Package Picked up XX/XX/20
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (TX)

XX/XX/2024 DEBT RECOVERY SOLUTIONS , LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation-XXXX Dear XXXX XXXX, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor. 
2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 
4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented. 
6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within XXXX  days, as required by law. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX