davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I will never stop refilling complaint to the FAIR COLLECTIONS & OUTSOURCING for allowing the fraudulent account and for not taking corrections on my credit report despite the multiple request I sent on the following dates XX/XX/year>, XX/XX/year> and XXXX XXXX. I have my dispute letter dated XX/XX/year> alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (PA)

NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX Amount - {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX Amount- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Amount- {$7800.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX Amount- {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Amount- {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Amount- {$480.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Amount- {$520.00} Under 15USC 1692C. The law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NY)

Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 1 ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF 1974 & 15 USC 1681 ( b ) - Permissible purposes. I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 2 ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Stark Collection Agency, Inc. (IL)

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( THE STARK COLLECTION A XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They Deleted the information from the credit Bureau and put it back on there. I spoke to them to validate the debt owed they told me the total but could not explain how the fees came about. They said the information was protected under the HiIPPA. If this is the case then how can they say I owe them if they can't give me detailed information on how this debt was created?
Consumer complaint received 2024-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMA Alliance, Ltd. (CA)

I am writing to file a formal complaint against FMA Alliance, which is listed as the collector of a debt reported on my credit report.

On XX/XX/2024, I sent a written request to FMA Alliance seeking verification of the debt they claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide verification of the debt within 30 days of receiving my request. Despite this, I have not received any response or verification of the debt as of XX/XX/2024.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

XXXX XXXX XXXX last for of social XXXX URGENT!! 
This discrepancy, along with the unauthorized reinsertion of a previously deleted item without proper notification, constitutes clear violations of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is required to notify the consumer within 5 business days if a disputed item is reinserted into their credit file. I did not receive any such notification, which is a blatant infringement of my rights under the FCRA.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

i called creditor and they want all my personal information and will not give me the proof that I owe XXXX over {$40000.00}. Them they want to charge for the report. XXXX bought XXXX and XXXX rolled over my account without owing XXXX any XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Jefferson Capital System ( XXXX ) Account number : XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to presentation ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions
Consumer complaint received 2023-11-17
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

XXXX XXXX XXXX has sent debts to transunion reporting I owe over XXXX in debts for some bank in another country in XXXX called XXXX Bank. These debts are not even in the United States and they continue to harass me via phone and email. 

XXXX business services XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (AL)

In XXXX a salesman I let in my home to demonstrate a vacuum cleaner took my information and texted the man waiting outside my information. While he told me I had XXXX days to test it whether I kept it or not and then if I decided to keep it they would do a credit check. But he texted my information and then I had a loan. The guy didnt show up XXXX days later. XXXX seems to be ok with theft. Please help. XXXX XXXX services has the debt of {$4400.00}
Consumer complaint received 2024-07-31
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-07-31
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)

I noticed a vehicle from XXXX XXXX that I do not own and says that I owe XXXX. I am a victim of identity theft and I also noticed other credit cards and loans that are on my credit report that I'm not responsible for.
Consumer complaint received 2024-07-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/year> JEFFCAPSYS XXXX XXXX XXXX XXXX, XXXX, MN XXXX Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IA)

I signed up for a credit line with Paypal because they were offering 6 months of deffered interest. I went through the application process and was approved, and read the terms and conditions. The terms seemed pretty standard. I have had the credit line for 6 months and every time I get an email stating payment is due, I pay it within a week. They never send more than one email, or any other reminders. 

This is important because I just found out, The day a payment is due, they charge an arbitrary {$41.00} late fee. Not the day after. The same day. Nothing was communicated about this late fee when I signed up, or when I missed due dates. It's not even communicated when you pay a bill that is " late ''. No email, text, or notification in the app. In fact, the only place it shows is hidden in the account activity. I have been secretly charged XXXX late fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totalling {$120.00}. they were just added to my account balance like any other purchase. The only reason i discovered it is because it felt like my balance was higher than it should be so I went back through all my activity in the last 6 months. 

I contacted customer service to inform them of the mistake, and request a refund, and they could not help. They refunded my most recent late fee and called it a courtesy ( which they only allow once every 12 months ), but how is it a courtesy when all three late fees were the result of secrecy and predatory behavior? Had I learned of late fees after my first missed payment on XX/XX/XXXX I would've simply not waited until the due date to make following payments. If I learned about it when signing up for the credit line I wouldn't have signed up. It's important to reiterate. These late fees are assessed ON the due date, not after. I argued all of this with the customer service rep for as long as i could stand but they absolutely refused to refund the fees. I am completely helpless and have zero recourse but to file a report here.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

Multiple times over the last several years I have gone to unlock my credit with Equifax and there is a system error. The error says to contact customer service and mention code XXXX. Every time XXXX contact customer service and mention that code no one knows. They now have a digital verification system that has me take a picture of my drivers license front and back as well my face. This system does not work. In the meantime I can not access my credit profile and when asking to speak to supervisors. Im told I need to verify myself first. So I can not access my credit profile. Or cant keep my profile locked. Because Equifax system can not reliably manage the lock and unlock. Im forced to either not use my credit or to leave my credit unlocked.
Consumer complaint received 2024-08-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Association I sent this company a debt validation request letter they never validate the debt didn't provide no licenses information no contract with my signature on it no date when this alleged account was supposed to be open the date is an error on my credit they is still reporting errors on my credit Portfolio Recovery Association is a repeat offender known to violating fair credit reporting act, fair debt collection practice Act, the consumer protection act, defamation of character their are in violation
Consumer complaint received 2024-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is regarding my formal concerns about unidentified errors on my credit report, which I think were not appropriately revealed by your agency. These unsolved concerns may have a major impact on my credit score and financial situation, thus I want an immediate investigation to CORRECT them. 
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 2024-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
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 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/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. Account : 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