davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

To Whom It XXXX Concern, I am writing to file a formal complaint against PORTFOLIO RC regarding their unlawful actions that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F ( XXXX CFR Part XXXX ). Specifically, I believe the collection agency has not adhered to the following regulations : Failure to Provide Validation Information : Pursuant to XXXX XXXX XXXX ( b ) ( XXXX ), PORTFOLIO RC has failed to provide the required validation information upon my request. Despite this failure, they have placed a collection account on my consumer report. 

Denial of Dispute Opportunity : Under XXXX XXXX XXXX ( c ) ( XXXX ) ( i ), I have not been given a reasonable opportunity to dispute the accuracy of the debt with PORTFOLIO RC. 

XXXX of XXXX Practices : PORTFOLIO RC has engaged in false, misleading, and deceptive practices in their attempts to collect the alleged debt, which is a direct violation of consumer rights protected under federal law. 

Furnishing Information Without Required Disclosures : According to XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ), PORTFOLIO RC has unlawfully furnished information to consumer reporting agencies without providing me with all required disclosures. 

Additionally, I dispute owing any and all debts to PORTFOLIO RC. Therefore, I hereby revoke all rights of PORTFOLIO RC to communicate with me via email, text messages, or phone calls regarding this matter. 

Furthermore, I formally request the following from PORTFOLIO RC : Debt Validation : Provide validation of the alleged debt, including itemized statements and documents proving the debt 's validity and ownership. 

XXXX XXXX : Furnish a copy of the purchase agreement or contract between PORTFOLIO RC and the original creditor demonstrating their legal authority to collect this debt. 

Proof of XXXX and XXXX : Provide documentation proving that PORTFOLIO RC is licensed to collect debts in California and bonded as required by law. 

These actions by PORTFOLIO RC have caused significant distress and financial harm. I have attached relevant documentation supporting my claims, including copies of correspondence with PORTFOLIO RC. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure [ Collection Agency Name ] complies with federal law. I also request that the collection agency cease all collection activities related to the disputed debt until these violations are resolved. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (TN)

1. Someone changed our account from an unlimited account to a limited account. XXXX did not authorize the change and NEVER authorized anyone else to make the change that change. 
a. In trying to trace this down we were told XXXX does not offer a limited business account. How could this have happened. XXXX has had an unlimited account for decades. 
2. We tried numerous times to get the matter resolved and our account credited for the over charge. Our online access was limited to payments only. We could not access the account settings due to it being classified as a bus. account and was managed internally. Our attempts to get through this firewall failed. XXXX was restricted from accessing our own account. 
3. Attempts to have this matter rectified through phone support or WEB chat failed as well.

4. XXXX was only given access to offshore/foreign support. The connections were noisy and the agents spoke very poor/broken English.

5. We have requested a detailed billing history for the last three ( XXXX ) years. Instead of receiving that, we received the last billing statement. 
6. We have been promised numerous times that our account representative would contact us. This did not happen.

7. We have got nothing from XXXX but lies and unfulfilled promises. 
8. Our records indicate that XXXX has overbilled XXXX. 
9. WE OWE THEM NOTHING! THIS DEBT IS CONTESTED! 
10. WE HAVE HAD THE SAME ACCOUNT WITH THE SAME CARRIER SINCE 1987, XXXX YEARS.
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (TX)

I have a creditor on my credit report that I have disputed 6 times. 


They have requested proof to show debt is invalid I have provided proof several times but on XX/XX/scrub>XXXX via mail certified and email, I have also tried to communicate through the credit bureaus as well as email and fax. The attach the collector continues to respond with the same letter as though they have not received proof of invalid debt. 

The company has poor communication practices.
Consumer complaint received 2024-08-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NY)

on XX/XX/year> a charger was made to my card for {$1000.00} I did not authorize that debit. I called Direct Express on XX/XX/XXXX, when I realized the unauthorized debit. When I made the call I was informed of other unauthorized charges. I was given a claim number and told to complete paperwork by XX/XX/year> that I would receive in 3-5 business days. It has been longer that 5 business days. I haven't received anything. I cant get anyone in the dispute department on the phone. I wait over an hour twice for someone to get on the line. I really need assistance. my claim number is XXXX. I also emailed XXXX. they have not responded
Consumer complaint received 2024-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
AFFIRM INC XXXX
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (AL)

On XX/XX/XXXX my bank sent an automatic payment in the amount of XXXX to Bridgecrest. I received notification that my auto loan was past due, which it should not have been since automatic payments are made bi-weekly. On XX/XX/XXXX I initiated communication with Bridgecrest asking them to locate the payment. I provided Bridgecrest a copy of the cashed check that included the check number, the auto loan account number, the endorsement on the back of the check which included the bank name, lockbox, and account number the check was deposited into. It appears Bridgecrest refuses to attempt to locate the payment. I have made several follow up attempts since I initiated contact on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was told the information will be sent to the Accounts XXXX department to research where the payment went. I was also told each time to follow up after XXXX days. I have not received any communication from the company if I did not initiate it.
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (OH)

I have had my SSN stolen and six false accounts in FL and TX have been sent to collections. 

I noticed Phoenix Recovery Group in XXXX on all three credit reporting agency accounts I sent a request for validation of debt on XXXX read receipt requested The company recieved it on XXXX I received the debt validation letter in XXXX postmarked XXXX XXXX XXXX I reviewed the information to find that only my name and SSN were correct Here is a list of incorrect information : * Job history - companies I have never worked for that do not show up on the CRAs. No accurate companies are in their provided validation * Previous addresses in XXXX. I have never lived as an adult in XXXX- I have lived in XXXX for over 30 years * Invalid photo ID - photo was of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is very obviously wrong I sent a cease and desist letter on XXXX XXXX XXXX. This was received on XXXX I re-disputed this debt w/ the CRAs again first week of XXXX XXXX XXXX XXXX XXXX I am still receiving robo calls and the accounts remain as collections on the 3 CRAs.
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC (IL)

Dear CFPB, I am writing a formal complaint against P & B Capital Group LLC regarding their unjust actions as a debt collector. I recently experienced an alarming incident where P & B Capital Group LLC threatened to report a delinquent tradeline on my consumer report without providing me with the necessary information regarding my rights to request debt validation. I kindly request your intervention in addressing this matter and ensuring appropriate action is taken against this collection company. 

Firstly, I am deeply concerned about the lack of transparency exhibited by P & B Capital Group. As a consumer, I have the right to be informed about my rights and options when dealing with debt collection. However, P & B Capital Group failed to provide me with the necessary information regarding my right to request debt validation. This omission not only violates the Fair Debt Collection Practices Act ( FDCPA ) but also hampers my ability to protect my interests and exercise my consumer rights. 

Furthermore, I firmly believe that P & B Capital Group 's threat to report a delinquent tradeline on my consumer report without considering my rights is both unfair and unacceptable. Such actions can have severe repercussions on my creditworthiness and financial well-being. It is imperative that this collection company understands the gravity of their actions and the potential harm they can cause by bypassing necessary consumer protections. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau takes the following actions : 1. Conduct a thorough investigation into the practices of P & B Capital Group, specifically regarding their failure to inform consumers about their rights to request debt validation. 

2. Ensure that P & B Capital Group ceases all communication with me immediately, except for their response to my debt validation request. 

3. Enforce appropriate penalties and sanctions against P & B Capital Group if found guilty of violating consumer rights and failing to adhere to the regulations outlined in the Fair Debt Collection Practices Act. 

By addressing this issue, you will not only protect my consumer rights but also send a clear message to debt collectors that such practices will not be tolerated. 

Thank you for your attention to this complaint. I look forward to your prompt action and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (FL)

I lived at XXXX  XXXX XXXX XXXX apartments XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and moved out because my vehicle was robbed in the parking lot, and I did not feel safe. On the lease was myself XXXX XXXX XXXX, my girlfriend XXXX XXXX, and roomate XXXX XXXX. The staff at the XXXX had all of our contact information to include phone numbers, emails, and forwarding address ( we all moved to another location together ) at XXXX XXXX XXXX XXXX, XXXX FL. I was ill and in was not able to XXXX the final clean out. My roomates were suposed to do a deep clean of apartment. We never heard anything from any representative from the XXXX, and then on XX/XX/XXXX XXXX stated that she had a debt collection that she just found on credit report. On XX/XX/XXXX I checked my XXXX XXXX, and it showed that 3 days ago my score was XXXX, and it dropped to XXXX. It said I had a collection from Sentry Credit INC. XXXX XXXX XXXX, XXXX XXXX phone XXXX ) XXXX for a XXXX XXXX XXXX ( collections ). I called Sentry and they said the debt was for {$1000.00} and it was from a cleaning fee, and carpet replacement. We only lived in apartment for 3 months. The XXXX never called, emailed, or sent mail to us to tell us we owed a cleaning fee or carpet fee. If so I would of disputed that amount. If they could show that the cleaning was not done I would of paid the debt. Instead at some [ oint they sent to a debt collector ( Sentry ), who never contacted me or informed me of the debt, but submitted it to the credit buroughs. When I spoke with them they stated they talked to XXXX on XXXX XX/XX/XXXX and she disputed the charges, but they have not heard from the XXXX yet. I am filing complaint that my credit score has drastically dropped which has a high impact on my life, and has made XXXX lose a new home loan. They never informed me of the debt, and never gave me a chance to clear the debt before reporting. By their own admission XXXX disputed the charges, and they have not heard back to conclude if dispute is valid, yet they still sent collections to the credit buroughs. I want this debt removed from collections, and my credit score restored.
Consumer complaint received 2024-08-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I have had someone get my information and they got payday loans several of them in days I had to cancel my account and get a new account now it affected my credit score and I have debt collection calling me nonstop. During this time I have had XXXX XXXX XXXX XXXX. Its driving me nuts please someone help
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (NY)

I got a notification from my XXXX XXXX that between XX/XX/XXXX and XX/XX/XXXX VW Credit Inc. submitted that I owed them XXXX XXXXas a disposition fee and that the account was charged off. 

The company states that this account has been delinquent for years and was turned over to a third part collections agent. I find that to be laughable because when the vehicle was disposed of, nobody ever suggested that I owed anything other than the final lease payment ( which was paid ) and additionally, nobody has ever called me once about this. The company claims they sent letters to an address that I haven't even lived in over XXXX years. 

Moreover, if this account was delinquent for all of these years, why was there is no history of me having an account in collections with any credit reporting agencies ( see attached images ) or no attempt from VW Credit Inc. to contact me about anything that was owed in the last 5 years. If VW Credit thinks I had a delinquent account, why wasn't it reported to the agencies? If the account was delinquent then it should have been accurately reported to the credit agencies earlier which would have allowed me to be notified about it before it was charged off and I would have been given an opportunity to address the situation before being charged off. As a result of negligence i accurate and timely reporting to the credit agencies on the part of VW Credit, my credit score has gone from XXXX to XXXX overnight. This whole thing is a blatant misuse of power to not accurately disclose the status of an account if there was indeed an issue, borderline XXXX and frankly disgusting over a {$380.00} charge.
Consumer complaint received 2024-08-12
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: CCS Financial Services, Inc. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX sold my account for non-payment to XXXX different XXXX XXXX companies for XXXX different amounts when I only had XXXX account and owed less than ( {$2900.00} ) which was the original in-store credit limit. But they sold to XXXX XXXX for ( {$4300.00} ) and XXXX XXXX XXXX for $ ( XXXX ). Both Credit companies has reported they are the original creditors and they are not and I only had ( XXXX ) account with XXXX XXXX. Helzberg Diamond closed this account on XX/XX/year>. And now XXXX XXXX is suing me for ( {$4300.00} ). How is this even legal to sell my debt at XXXX different prices and to XXXX different companies, and not to mention lie on my credit report along with the credit collection companies?
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MO)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 6.2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2, also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Through my rights in accordance with 15 USC code 1681b I did not give written consent to any collection agency to report anything to credit bureau.
Consumer complaint received 2024-08-12
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: DISCOVER BANK (SC)

To Whom It May Concern : I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. However, I am aware that many disputes are processed using automated software like XXXX, which can lead to mistakes and limitations in conducting a thorough investigation. Therefore, I am disputing the following information directly with you, the furnisher of this information, and requesting that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) Section 623 and enforceable by FACTA Section 312. I am questioning the accuracy and completeness of this account 's information as reported by your company. 

DISCOVERBANK XXXX {$2300.00} FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

After conducting some research, I understand that I am legally protected against such inaccuracies. This letter serves as a formal dispute under the Fair and Accurate Credit Transactions Act ( FACTA ) section 312. According to this law, I have the right to dispute credit information directly with you, bypassing the credit bureaus. I have already gone through the so-called investigation process with the credit bureaus, but now I am exercising my right to dispute this matter directly with you. If you are unable to perform a reasonable investigation or can not locate the necessary documents to investigate my dispute, you are required by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. If you conduct a proper investigation and confirm that the information is accurate and complete, please provide me with an explanation of the methods used and a description of the records reviewed. Additionally, please send me a copy of the information so that I can verify the accuracy of your records. This letter was prepared and sent by me independently, and I request that all correspondence regarding this dispute be returned to me at the address listed above. This letter is an effort to correct any false or misleading information you are reporting on my credit reports and to correct your records. 
Specifically, I am disputing the following aspects of the account : All balances and amounts reported. 
All dates reported. 
Any prior payment history reported
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

My wife and I were traveling from XX/XX/XXXX until XX/XX/2024. Since my account has a feature that sends me a text when a purchase is larger than {$50.00}, I received a notice on XX/XX/XXXX that a purchase of approximately {$170.00} had been initiated, something identified as XXXX XXXX. I was unable to log in to contact my bank on XX/XX/XXXX. On XX/XX/XXXX I receive XXXX messages from CITI Costco Fraud Dept about an attempt for {$250.00} and {$1000.00} ( both to XXXX XXXX ). I reached out to the Fraud Dept to verify that I had not attempted any of these charges. 

CITI removed the charges from my account and told me to cut up the card as they were sending a new card. I made charges in XXXX XXXX, NC ( hotel and dinner ) XXXX XXXX, FL ( hotel and restaurants ) XXXX XXXX XXXX, FL ( Parking Garage and restaurant ), XXXX, NC XXXX XXXX and restaurants ), XXXX VA XXXX restaurant ) as well a a number of gas stations.