davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery continues to allege they have rights to collect a debt from me which is not true. I pulled the companies articles of incorporation and Portfolio Recovery is not mentioned in the companies documents as a party of interest in the companies business practices which is public record. The state requires each business to outline their business practices and what they will be doing. Portfolio Recovery is not listed in the original creditors paperwork therefore under whose authority do they have authority to collect for the company in question. I am not disputing the debt but rather the right they have to do business for the business in question. Furthermore debt collectors purchasing contracts do not give them full rights and this is listed in the federal registry so is Portfolio Recovery alleging they do not have to follow federal regulations because if they do not I would like the paperwork that excludes them from these regulations. I would also like a copy of the authority declaration that they have with the company that must list the board of directors or any attorney in fact paperwork they have to act on behalf of the business.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (IL)

World Finance responded to my complaint alleging I still indebted to them but failed to address rather the contract in question is the in fact the security. If World Finance loaned me money by federal banking laws they should have insurance under FDIC to ensure each customers account in case of default. Is World Finance a bank? If not what banking service loaned me the money you are alleging I owe so I may contact them to get proper documentation to prove this was actually a loan given to me because I have reservation that World Finance did not disclose that the contract is the security that they are using to trade which is subsequently the reason it is sold to outside companies because they then can use it for profits. World Finance stated they sold the contract to a debt collection company but I pulled their original business incorporation and they did not disclose to the state that they would be selling securities nor the debt collection company listed as a party of the business so what authority do they have to sell off my information or my business dealings with them. I have filed a complaint with the state attorneys general to look into your business practices because this is fraud and theft by conversion trying to force me to pay a debt I do not owe and using the same contract they they issued for profits without stating this would be done. If the contract isnt the security why is it sold to the debt collector.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

There is a collection on XXXX and XXXX that I have tried disputing but did not come off. The collection had come off XXXX only. The collection is titled CCS Collections for the amount of {$2300.00}.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC (IL)

Total Visa is alleging I owe a debt that I do not. The contract that is between them and I is the security being used to raise profits and be sold for profits. Upon pulling their incorporation Total Visa failed to mention that these are their business practices. Furthermore banking products are insured under FDIC so each customers account is protected from liability and these companies never take a loss. So what Total Visa is doing is known as extortion. They are damaging my credit in an attempt to make me pay a debt I do not truly owe. Total Visa failed to state weather they are engaged in security trading because I found them listed on the FINRA and SEC website which both have strict regulations when it comes to handling securities of their investors and since my security was never returned to me when they closed the account this is the very definition of fraud. Further more if any account is charged off with a balance federal law also states that any balance over a {$1.00} is due to the consumer not the creditor. Is Total Visa stating they do not have to follow federal regulations?
Consumer complaint received 2024-04-18
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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: Experian Information Solutions Inc. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

These companies are reporting inaccurate information. some of the dates and amounts don't match across all credit agencies. They have also violated the privacy act of by furnishing my information without my permission. The fact that my credit reflects my student loan information is also a violation of the Family Educational Rights and Privacy Act ( FERPA ). there should only be XXXX address on my credit report in XXXX, Ga all other addresses should be removed. the rest are NON DELIVERABLE ADDRESSES. There should only be XXXX phone number on the account ending in XXXX.
Consumer complaint received 2024-03-29
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 (IL)

XXXX and Portfolio continue to allege this debt is verified as accurate but that is not true buying a contract does not mean I have an obligation to pay said debt. I made no claim that I would repay Portfolio because they purchased the contract furthermore the contract is the security which is a financial asset and that asset belongs to me. I have not given Portfolio permission to have possession of my security or attempt to force me to pay. I have repeatedly asked both companies to provide evidence that proves I am obligated to said company not another company by federal law that does not give you rights. 

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.
Consumer complaint received 2024-05-06
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. (LA)

I have no knowledge of these accounts and inquires they are unverifiable and fraudulent please delete these accounts and inquiries immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-03-29
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. (IL)

Equifax and XXXX continue to allege this debt is verified as accurate but that is not true buying a contract does not mean I have an obligation to pay said debt. I made no claim that I would repay XXXX because they purchased the contract furthermore the contract is the security which is a financial asset and that asset belongs to me. I have not given XXXX permission to have possession of my security or attempt to force me to pay. I have repeatedly asked both companies to provide evidence that proves I am obligated to said company not another company by federal law that does not give you rights. 

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (IL)

XXXX and Equifax continue to report a bankruptcy that is not valid. XXXX states they have deleted this information due to it being incorrect so how was it that the credit bureaus verified this information? I would like the credit bureaus to provide the evidence they have used to validate these bankruptcies.
Consumer complaint received 2024-04-18
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (AL)

I have contacted this company repeatedly to no avail. The payments they have on the account is not accurate. I have reached out only for them to tell me about public loan forgiveness in which I have not asked about. My loans were discharged in XXXX. I have attached the discharge below. The company tells me I have until XXXX. This is incorrect. They have refused to investigate and instead continue to receive payments along with interest added. In total I have paid over {$8000.00}. My bankruptcy has absolutely nothing to do with my Borrow Defense Discharge which is listed below. And it is the same letter my previous servicer has sent them. I have sent them this letter as well.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My wife and I moved to XXXX XXXX in XX/XX/XXXX, and we transferred our credit card debt when we moved. My wife has no plans to return to the U.S., so she hasn't received any emails from BOA. However, on XX/XX/XXXX, at XXXX XXXX XXXX time, I received an email about a collection on my wife 's credit card debt. I checked it out, notified her, and she immediately made an international call to pay it off. The problem is that she was charged about {$240.00} in late fees. The initial credit card debt was about {$290.00}. She moved to XXXX XXXX and disconnected her US cell phone. As a result, she did not receive proper notification of the unpaid amount. She paid off the credit card debt immediately after receiving the notification. I am wondering why it took you ( BOA ) 6 months to send me an email. I protest BOA for not giving us this opportunity, as we could have reduced the late fee if you had notified us earlier. I would like to get at least part of the late fee back if possible. Please help me.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I did not receive any communications. I observed that the debt was included in my credit report by all three Credit Reporting Agencies ( CRAs ). 

I contacted LVNV Funding via email and postal mail to request that they validate the debt in accordance with the XXXX XXXX XXXX. They failed to respond. Subsequently, I received a notification from Resurgent Capital Services. I sent them a letter requesting validation of the debt. 

The involvement of XXXX collection agencies constitutes a legal violation. The fact that they have not validated the debt and continue to report negatively to the XXXX CRAs violates the XXXX XXXXXXXX XXXX and the Federal Fair Debt Collection Act.
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (IL)

On XXXX I made a purchase on XXXX and Ive selected the affirm payment plan option to buy the item, when the item arrived it did not meet my expectations and return it within the a day of the purchase, I contacted affirm and they suggested that I should still pay the loan while the refund and return settle, i finished paying the loan in full and I contacted affirm to get my refund, they keep telling me same thing over and over that I needed a case number which they provided but every time Ill call Ill get a different XXXX, they requested documentation which I sent to affirm, they stated that they never received confirmation from XXXX regarding the return and refund, so I contacted XXXX and requested a letter from them which states that they did in fact sent a refund to affirm, its been 3 months already and Im still not getting my refund when I have provided affirm documents that state return completed, refund issued and a letter that they have sent the refund information to affirm, this is a step closer for me to get my issue resolve before I seek legal advice, I dont think a company should be taking advantage of consumers this way this is plain sight scam they are known for doing bad business practice specially with money returns.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX XXXX and my master card says fiserve4 hasn't been pushing my info to the credit beuros for atleast XXXX XXXX maybe more. which mean i have no credit to speak of. i have paid off my house my car and all my bills for XXXX XXXX. my credit should be top notch. but fiserve dropped the ball and i can get no XXXX XXXX from the XXXX agancies and or loans form lowes or others. i need my XXXX XXXX put bakc to its high ranking. than k you
Consumer complaint received 2024-04-03
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. (GA)

To Whom It May Concern, On XX/XX/XXXX I mail a certified letters to the credit bureaus requesting that the following inaccurate & fraudulent items be immediately investigated and Deleted in order to show my true credit history. Its been nearly 4 months now, and they still havent remove the inaccurate information or send any verification. 
I demand that the following items be re-verified and deleted from my record. I have attached the FTC report along with my SSI and Driver 's License. 

These items do not belong to me. 

Company Name : XXXX XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXX XXXX XXXX City : XXXX XXXX XXXX State : UT Zip : XXXX Company Name : DEPT OF ED/XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX State : XXXX XXXX Company Name : DEPT OF ED/XXXX Date : XX/XX/XXXX ( Charge off ) Address : XXXXXXXX XXXX XXXXXXXX XXXX City : XXXX State : NE Zip:XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (AZ)

XXXX XXXX XXXX GLOBAL LENDING bank had inaccurately reportes as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting Ans demand this late payment be updated to paid as agreed
Consumer complaint received 2024-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (AL)

At the beginning of XXXX, I received a collections letter from Aldous and Associates stating that I owed {$220.00} to XXXX. I contacted XXXX to ask about said account. They stated it had been opened XX/XX/XXXX. I did not open this account but at that time was dating someone who exercised at this gym. He had stated that he wanted me to start to go with him to work out, which I did. He informed me that he had " added me to his membership ''. When I asked the gym about this they informed me that it was against policy to allow a member to add a new member onto their account in this fashion and that my boyfriend had opened me my own separate account and was paying the bill until XX/XX/XXXX. XXXX did not notify my via phone call, mail, or email of a balance in my name. When I asked them about closing the account they stated that I was not able to do so until the balance was paid. I contacted my then ex about the situation and he stated that he had opened the account and would not be held responsible for the balance. I first learned of all this from the collection agency. I requested proof of the original contract with my signature. They provided me with information about this situation but I have no record of a contract signed. I didn't open this account, never signed a contract for it, and was not informed of the debt until it was in collections.