davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RAS LaVrar, LLC (FL)

On XX/XX/XXXX, I woke up to my small business and my personal account being empty. Law firm RAS LAVRAR garnished the money in my accounts and on XX/XX/XXXX they also garnished my pay check. One account they took {$530.00} then my pay check {$1200.00} and business account {$1000.00}. I called the company and to see what is going on and they said I owed a XXXX Credit Card in the amount of amount {$6000.00} from XXXX and that i was sent to court in XXXX. I asked them how could this be and they said there is nothing I can do. I had a debut collector contact me about 2 months ago but did not want to understand that I had no knowledge of this and I had my identity stolen back in around that time period. He was frustrated and so was I so I hung up. He process to call me again a few time and finally left a message that he was moving forward with suing me and wished me luck. I has a couple of calls XXXX with whom I'm now assuming was debut collector because they did not want to give me any information when I asked what this is about. The person said well I got this case on my desk but if you don't want to provide your personal information that is your decision. I told them that they should have my information since they are the ones calling me so with so much scams going on I declined to give him any information. He did not want to provide the company name or reason for the call and we hung up. I have police reports and report to social security office as well as an other police report in XXXX XXXX Florida where the person that stole my identity was working at the time while using my papers and social security number. I had not heard about this XXXX XXXX prior to this. I try to work something out with this law firm but they refuse to work with me as far as payments go so that they can take the garnishment off.At this point I would like to know what my options are since this case is on going. Please let me know what how to proceed. Thank you for you time.
Consumer complaint received 2018-04-20
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Control Technology, Inc. (CA)

On XX/XX/XXXX I was continually being called on the telephone and harassed for a Student loan debt. 
I was a XXXX at XXXX XXXX. I have been unemployed for several months. I do not receive unemployment or any monthly compensation. On XX/XX/XXXX I responded to XXXX and XXXX XXXX XXXX   requesting to put my loans into no interest earning forbearance. Neither Company responded to my request and refused to contact me I contacted ACT concerning who is handling my loans. Instead I was sent a threatening Garnishment letter. According to the FCRA 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

An account that went by ( midland financial ) was added to my report that I had NO KNOWLEDGE OF. I've disputed multiple times and can't seem to get them to answer. ( Midland finacial ) is inaccurate with there information. They are adding payments every month, saying that I'm behind on payments and that's not legal. They were already taken off the other companies from bogus info.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$450.00}
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am reporting that Equifax wrote me a letter stating they need more information on my ID to complete my request. I requested all debt collection institutions on my credit report connected to the creditor on my credit report and if there was no debt collector institution attached to the creditors I would like to know about it and what is being done for these predators or non-users under the Fair debt collection practices Act.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (TX)

I am filing this complaint personally. After examining my credit report, I noticed listings for late payments. However, more than 30 days ago, I sent correspondence regarding these entries, but I have not received a reply, and they have failed to provide adequate validation of these supposed late payments. I kindly ask for your help in resolving this issue.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I am filing this complaint personally. After examining my credit report, I noticed listings for late payments. However, more than 30 days ago, I sent correspondence regarding these entries, but I have not received a reply, and they have failed to provide adequate validation of these supposed late payments. I kindly ask for your help in resolving this issue.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NJ)

Credit card company charges XXXX dollars annual fee for the card. I was fine with it because I really needed the card. They approved for % XXXX. 

Less than a week into using the card, it was blocked a couple of times for fraudulent use. I wouldn't have known if I didn't call. No email or text to let me know. I was trying to use it for XXXX. Apparently, it's fraudulent. They unblocked the card but told me i can't use it for XXXX anymore. 

Anyway, a week into using the card, I called and found out that it was blocked again. But this time they can not unblock it without me sending ID. They just told me because of fraudulent use. But they did not even confirm with me if they are indeed fraudulent. They were all legit purchases. 

Another issue came up when they told me that I can only fax or postal mail the ID. No email or website upload of the document. During this time, I can't even access my account online. 

I was able to send the fax and called if they received it. I've called several times to see if the information on the number of days to process changes. The general information I got says that it takes A WEEK FOR THEM TO RECEIVE THE FAX. I don't know if they are outsourcing it or what but in this day and age, I can't imagine any US company receiving fax that long. After that, it will TAKE TWO WEEKS TO PROCESS THE DOCUMENT. 

So, to unblock my card for a purchase they said was fraudulent, which was not, will take XXXX weeks. I paid XXXX dollars to use the card and they've already blocked it for almost a month.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (AZ)

I received information that " ALL MY PERSONAL INFOMATION WAS IN THE XXXX XXXX MY XXXX '' From my social security number, to my id, and including my email. I created a fraud alert on XXXX to have any credit lenders contact me directly first before extending credit to prevent this from happening again. I have tried disputing these collections and showing them the proof of the information and the fraud, including the reports of what information went into the dark web. I also reported this activity on IdentityTheft.gov : Report Number : XXXX
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation (PA)

On my consumer credit report. The last day of activity reported to the credit bureaus continues to update. As of my last report it states that my last day active is XX/XX/XXXX. When in reality the last day of activity was in XXXX of XXXX. The debt collector continues to update my active date in order to deceive the credit bureaus.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with Experian, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am writing to file a formal complaint against Midland Credit Management for their ongoing violations of my consumer rights as outlined under federal law.

Details of the Complaint : 1. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific validation information to the consumer. However, Midland Credit Management has failed to provide me with any validation information regarding the alleged debt. Despite this failure, they have proceeded to place a collection on my consumer report.

2. Lack of Opportunity to Dispute the Account : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt. Midland Credit Management has not given me this opportunity, which is a clear violation of my rights. This has left me without the necessary means to contest the validity of the alleged debt.

3. Use of False, Misleading, and Deceptive Means : Midland Credit Management has employed false, misleading, and deceptive means in their attempts to collect the alleged debt. This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from such unfair practices.

4. Unauthorized Reporting to Consumer Reporting Agencies : In accordance with 12 CFR 1006.34 ( c ) and 15 USC 1681s-2 ( 7 ) ( A ), a collection agency must provide all required disclosures before furnishing any account information to consumer reporting agencies. Midland Credit Management has furnished information to consumer reporting agencies without providing the necessary disclosures, thereby violating these provisions.

Requested Action : I request that the CFPB investigate this matter and take appropriate action against Midland Credit Management for their violations of federal law. I also request that any negative information placed on my consumer report by this agency be removed immediately until such time that they comply fully with the legal requirements to validate the debt and provide me the opportunity to dispute it. 

Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Phone Number : XXXX Email : XXXXXXXX XXXX XXXX Information : Midland Credit Management Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have included copies of all relevant correspondence and documentation related to this matter for your reference. 
Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

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 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 2024-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-06-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (NC)

Original Creditor : XXXX XXXX XXXX Acct # : XXXX Current Creditor : NCB Management Services , Inc. 
NCB File # : XXXX Balance : {$10000.00} You've Got Options! Pick a Plan to Settle Your Debt for a XXXX XXXX XXXX XXXX sold this account to this debt collector. I have asked on different occasions for XXXX to provide documentation from the sale of the vehicle no information never provided. Have asked the debt collector to provide the same documentation never received. I dont owe this debt and would like this to removed off my credit report. They refuse to provide the documentation.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Radius Global Solutions LLC (CA)

XXXX XXXX XXXX Date Of Birth : XXXX Last 4 SSN : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I previously filed a complaint with the XXXX XXXX XXXX with the complaint number # XXXX, and the XXXX XXXX XXXX managed to remove it from my credit reports. Now I am having the same issue with the same account with different collection agencies and none of those collection agencies can't provide me with a legal contract that I signed on. I am seeking help from the XXXX XXXX XXXX  to find me a solution with that account the same account being already removed previously from the credit bureaus. I am not liable for this debt with XXXX, I do not have a contract with RADIUS GLOBAL SOLUTION, They did not provide me with the original contract as I requested. RADIUS GLOBAL SOLUTION called me and said I have to pay that debt I told them that I refuse to pay because I am not responsible for this debt, I also told them to send me the original contract proving my signature on it. Until RADIUS GLOBAL SOLUTION provides me with the original contract they have to remove ASAP from my credit reports. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-06-09
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: CITIBANK, N.A. (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.