davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Complaint : Subject : Violation of Consumer Rights by Portfolio Recovery Associates LLC Details : I am writing to file a formal complaint against Portfolio Recovery Associates LLC. This collection agency has violated my consumer rights as outlined by several federal regulations. The specific violations are as follows : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information before reporting a collection account to consumer reporting agencies. Portfolio Recovery Associates LLC has not provided such validation information yet has placed a collection on my consumer report.

2. Lack of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given a chance to dispute the account. Portfolio Recovery Associates LLC has not afforded me this opportunity, which is a clear violation of my rights.

3. Use of False, Misleading, and Deceptive Means : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. This conduct is prohibited under the Fair Debt Collection Practices Act ( FDCPA ).

4. Unauthorized Furnishing of Information : Portfolio Recovery Associates LLC has no authority to furnish any account to consumer reporting agencies without providing all required disclosures as mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Additionally, I am notifying Portfolio Recovery Associates LLC that : - I am disputing owing any and all debts to them.

- I am revoking all rights of Portfolio Recovery Associates LLC to communicate with me through email, text, or calls. All further communication must be in writing.

- I am requesting validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

- I am requesting the purchase agreement between Portfolio Recovery Associates LLC and the original creditor.

- I am requesting proof that Portfolio Recovery Associates LLC is licensed and bonded to collect debts in my state. 

These actions have caused undue stress and have negatively impacted my credit report and overall financial standing. I request that the CFPB investigates these violations and takes appropriate action to ensure that my consumer rights are protected. 

Desired Resolution : - Immediate removal of the inaccurate collection account from my consumer report.

- A thorough investigation into the practices of Portfolio Recovery Associates LLC.

- Assurance that Portfolio Recovery Associates LLC will comply with all relevant consumer protection laws in the future.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2024-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Complaint : Subject : Violation of Consumer Rights by Portfolio Recovery Associates LLC Details : I am writing to file a formal complaint against Portfolio Recovery Associates LLC. This collection agency has violated my consumer rights as outlined by several federal regulations. The specific violations are as follows : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information before reporting a collection account to consumer reporting agencies. Portfolio Recovery Associates LLC has not provided such validation information yet has placed a collection on my consumer report.

2. Lack of Opportunity to Dispute : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given a chance to dispute the account. Portfolio Recovery Associates LLC has not afforded me this opportunity, which is a clear violation of my rights.

3. Use of False, Misleading, and Deceptive Means : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. This conduct is prohibited under the Fair Debt Collection Practices Act ( FDCPA ).

4. Unauthorized Furnishing of Information : Portfolio Recovery Associates LLC has no authority to furnish any account to consumer reporting agencies without providing all required disclosures as mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Additionally, I am notifying Portfolio Recovery Associates LLC that : - I am disputing owing any and all debts to them.

- I am revoking all rights of Portfolio Recovery Associates LLC to communicate with me through email, text, or calls. All further communication must be in writing.

- I am requesting validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

- I am requesting the purchase agreement between Portfolio Recovery Associates LLC and the original creditor.

- I am requesting proof that Portfolio Recovery Associates LLC is licensed and bonded to collect debts in my state.

These actions have caused undue stress and have negatively impacted my credit report and overall financial standing. I request that the CFPB investigates these violations and takes appropriate action to ensure that my consumer rights are protected.

Desired Resolution : - Immediate removal of the inaccurate collection account from my consumer report.

- A thorough investigation into the practices of Portfolio Recovery Associates LLC.

- Assurance that Portfolio Recovery Associates LLC will comply with all relevant consumer protection laws in the future.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (SC)

ON XX/XX/XXXX I WAS NOTIFIED BY XX/XX/XXXX XX/XX/XXXXMONITORING OF A CHANGE TO MY XXXX XXXX WHICH DROPPED NEARLY XXXX POINTS, I VIEWED THE ALERT AND IT WAS FROM XX/XX/XXXXWHICH STATED I WAS DELINQUENT, I IMMEDIATLEY CONTACTED CUSTOMER SERVICE AND DISPUTED THIS FALSE REPORTING, PER CUSTOMER SERVICE MY DUE DATE IS THE XXXX OF EVERY MONTH, MY LAST PAYMENT WAS ON XX/XX/XXXX FOR XXXX, THE XXXX PAYMENT HAS NOT BEEN MADE YET WHICH WAS DUE ON THE XXXX OF XXXX, TODAY IS XX/XX/XXXX ONLY 9 DAYS PAST DUE FOR THE MONTH OF XXXX, THE XXXX PAYMENT IS NOT DUE YET UNTIL XX/XX/XXXX. PER CUSTOMER SERVICE I AM TO PAY XXXX BY XXXX THE XXXX BECAUSE THE ACCOUNT IS DELINQUENT. THEY HAVE REPORTED MY ACCOUNT AS BEING XXXX DAYS DELINQUENT TO THE CREDIT AGENCYS WHICH IS COMPLETELY FALSE, ALSO THEY DENIED TO SEND ME AN ITEMIZED BILLING STATEMENT FROM THE TIME I STARTED XXXX THIS COMPANY UNTIL TODAY, THEY STATED I COULD FIND THIS INFORMATION ON MY ONLINE ACCOUNT, I REQUESTED THIS BE CORRECTED THROUGH THE CREDIT AGENCIES AND THE REP XXXX XXXX XXXX ALL SHE COULD DO IS SEND A NOTICE TO THEM AND THAT WAS IT AND I WOULD GET A LETTER XXXX BUSINESS DAYS EXPLAINING THE REASON THE ACOUNT WAS SENT TO CREDIT AGENCIES???? I DID ADVISE HER THIS WAS ILLEGAL AND I WOULD CONSULT WITH AN ATTORNEY IF THIS WAS NOT CORRECTED IMMEDIATELY
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXXXX/XX/year>
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/year>, I noticed an entry on my credit report for an account with XXXX XXXX XXXX, listed as a collection account with a past due amount of {$410.00}. The original creditor is SYNCHRONY BANK. 

I believe this account to be inaccurately reported because, under 15 USC 1692c ( c ), once an account is charged off and is no longer collectible, it should not be listed as an active collection account on my credit report. As of XX/XX/year>, the balance of {$410.00} remains inaccurately listed as past due. 

I request that XXXX XXXXXXXX XXXX and SYNCHRONY BANK investigate this matter promptly and remove this incorrect information from my credit report.
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I initialed an ACH transfer from XXXX XXXX to Usaa Fed Svg Bank of {$10000.00} on XX/XX/2023. As of XX/XX/XXXX the money has not been posted to the USAA account and USAA can not give me anything in writing that I reported the lost money. 
XXXX XXXX has provided the control number to research the transfer which I gave to USAA on XX/XX/XXXX. USAA can not locate the transfer and can not provide information. 
Control number XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I never recalled being late on any of these accounts. I am 100 % sure that I was never late on any accounts. However, XXXX, XXXX, and Equifax is reporting lates on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and these creditors are reporting inaccurate information and neither of these credit agencies is verifying the accuracy of this incorrect information. 

Also, there is XXXX inquiries that is not mine or wasn't authorized by me and I need these inquiries removed from my credit file for this fact. The following inquiries was not authorized by me 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 2024-07-15
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. (OH)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15.U.S.C. 1618s-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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX violated my consumer rights by reporting inaccurate information to consumer reporting agencies i.e., Equifax, XXXX, and XXXX. XXXX XXXX XXXX XXXX did not mail or deliver a statement disclosing a payment was due 21 days before the payment was due to settle the account balance. 

15 U.S. Code 1666b - Timing of payments requires XXXX XXXX XXXX XXXX to mail or deliver a statement no later than 21 days before the payment is due to settle the respective account. 

Inaccurate Information Reported by XXXX XXXX XXXX XXXX Between XX/XX/XXXX, and XX/XX/XXXX " 30 Days Late '' Between XX/XX/XXXX, and XX/XX/XXXX " 60 Days Late '' 1 inaccurate late payment was reported in XXXX. 
XXXX inaccurate late payments were reported in XXXX. 

XXXX XXXX XXXX XXXX is also violating 15 U.S. Code 1681a - Definitions ; rules of construction by reporting transactions and or experiences between the consumer : XXXX  XXXX  and the person : XXXX XXXX XXXX XXXX. Payment history is considered a transaction between the consumer and the person. On time, missed, and late payments are considered experiences between the consumer and the person. Both transactions and experiences are listed as exclusions in 15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I do not consent to electronic statements, and or notifications. All correspondence shall be sent to the consumer via letter mail no later than 21 days before the payment is due on the account. 

I understand that mistakes can occur during business transactions and that is the reasoning for my correspondence to XXXX XXXX XXXX XXXX. Thank you for your time and consideration. 

Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I disagree with the inquires listed in my consumer report which still appears on my credit report, even after your Investigation. I would like these inquiries immediately re-investigated. The inaccuracies are highly injurious to my credit score ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, The report is even addressing me as XXXX XXXX which is not my name. I have attached a copy of my current state identification along with proof of residence and FTC report. And the results from this initial investigation. 


please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$3300.00} Dear Equifax, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that XXXX XXXX XXXX XXXX XXXX and Equifax provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX XXXX XXXX XXXX 
claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the XXXX XXXX XXXX  along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX, Inc.has with Equifax, and advise how XXXX XXXX XXXX, XXXX Equidax gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is violating my consumer rights by reporting inaccurate/unverifiable information on my consumer report. 

Inaccurate information showing on my consumer report : Collections XXXX XXXX XXXX Opened XXXX {$3300.00} The alleged collection account does not belong to me.