davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Dear Portfolio Recovery Associates, I am writing to formally dispute the debt referenced in your communications and to assert my rights under relevant consumer protection laws. 
Please be advised that I am disputing any and all debts that you claim I owe. This letter serves as my formal notice that I do not acknowledge any debt or obligation to your agency. As such, I request that you cease all communication with me via email, text messages, phone calls, or U.S. mail.

In addition to disputing the debt, I am requesting that you provide the following documentation : 1. Validation of the Debt : Please provide proof that I am legally obligated to pay this debt, including a detailed account of the original amount and any adjustments or fees added.

2. Purchase Agreement : Send me a copy of the agreement or contract between your agency and the original creditor, demonstrating your right to collect this debt.

3. Proof of Licensing and Bonding : Provide evidence that your agency is properly licensed and bonded to collect debts in my jurisdiction.

Please be advised that my dispute and requests are based on violations of the following consumer protection laws : 12 CFR 1006.34 ( b ) ( 5 ) This regulation addresses the requirement to cease communications with a consumer upon request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) This regulation relates to the validation of debts and the necessity of providing verification when requested.

12 CFR 1006.34 ( d ) This pertains to the prohibition against continuing debt collection efforts without proper validation.

15 USC 1681-S2 ( 7 ) ( A ) This provision under the Fair Credit Reporting Act requires that entities ensure the accuracy and validity of the information they report.

Due to these violations, I request that this debt be removed from all records and reporting agencies. Any continued reporting of this debt after receiving this dispute will be considered inaccurate and in violation of consumer protection laws. Please acknowledge receipt of this letter and confirm that you will cease all collection activities and communication until you have provided the requested validation and documentation. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-12
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: Early Warning Services, LLC (GA)

Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking. Also, I asked for them to send me records indicating those accounts on file needs to be deleted. They still not have corrected this error, I am litigious about getting this errors off my report. I can not open a checking account anywhere because of this.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian makes it impossible to freeze my credit. I attempted to do so online, multiple times, and kept receiving a message that it couldn't verify my identity ( despite my entering all of my personal information ) and that I had to call to complete the freeze. 

I called the number provided multiple times, but was stuck in an endless loop of robo 'autmated assistant ' that only offered to read me the instructions to do it myself or read me the website address. I tried many times to ask for human assistance in every way I could think of, and it kept just reading the menu options. 

I've searched the Experian webpage for some other contact method, but the only option seems to be the one phone number that offers no actual help. 

I recently froze my credit with the other credit bureaus using their websites and it was nowhere near this much hassle. Clearly Experian wants to discourage people from taking any step to protect their identity, because that must not be profitable to them.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Account Resolution Corporation (MO)

The account is paid through my insurance company. I have told this to this collection agency numerous of times. This collection agency have no right to collect anything. 
This account was to the doctors office by my insurance. 

The other account was paid directly to the original creditors. I do not owe anything to these collection agents.
Consumer complaint received 2024-06-21
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. (PA)

My XXXX loan are being furnish without my consent I never gave any person consent to report my XXXX loan Department of education XXXX Account # XXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer
Consumer complaint received 2024-08-03
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: CITIBANK, N.A. (LA)

Complaint I am writing to formally dispute the following inaccuracies on my Citi credit card account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/year> ], I submitted a dispute to Citi Cards regarding [ Charge off account # XXXX ]. Citi Cards was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). However, to date, Citi Cards has failed to respond to my dispute, violating the FCRAs timeframes. 
Additionally, Citi Cards XXXX failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, Citi has violated this provision of the FCRA. 
Due to Citis noncompliance with the FCRA, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action. Citis actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e, 15 USC 1681s-2 ( 7 ) I am attaching copies of all relevant documentation, including the dispute letter sent to Citi and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against Citi Cards XXXX Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX ]
Consumer complaint received 2024-09-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NY)

Complaint Description : On XX/XX/XXXX, I sent a formal cease and desist letter to National Credit System requesting the cessation of all collection activities for an account ( XXXX XXXXXXXX ) opened on XX/XX/XXXX, with an outstanding balance of {$4900.00}. The account has been marked as closed with the last activity on XX/XX/XXXX, yet it remains listed as a collection/charge-off affecting my credit negatively. Despite my clear communication under the Fair Debt Collection Practices Act ( FDCPA ), National Credit System has not provided any confirmation of compliance or ceased their collection efforts. This continued action disregards my rights under the FDCPA, leading to this complaint to seek intervention and ensure that my rights are respected and that further harassment is stopped. 

Expected Resolution : Immediate cessation of all communications. 
Written confirmation that no further adverse information will be reported to credit agencies. 
Acknowledgement of my cease and desist notice and compliance confirmation with FDCPA. 

This issue has caused significant stress and has unfairly impacted my credit standing, necessitating urgent attention and resolution.
Consumer complaint received 2024-07-05
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mid-Atlantic Finance Co., Inc. (WV)

I have asked mid Atlantic them for the repo companys name and address and phone number. They told me they would not give me the info unless I paid my loan in full. And I want it. The repo company refused to give me their information as well and only gave a cell phone number. That I had to contact the lender to get the info.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rozlin Financial Group, Inc. (FL)

Received information about account creation from XXXX and spam calls in XX/XX/year> after being charged XXXXXXXX XXXX  for an online service that was never requested by me and not being able to get the money back that I still dont know why I had to pay.

They requested more charges which let me to inform my bank account about fraudulent charges by eharmony. The service was never requested by me. I have not heard from XXXX since then and had informed them that their request is a scam and that I will not be charged for the requested payments. 
Today I received and email by a company called RFGI, which states that they would collect an outstanding debt of XXXX .

it is completely oblivious to me why they send me this 4 months later and try to keep charging me for this but it is not my debt to pay.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC (IL)

I received a phone call from Fairway Capital Recovery and I told them that I can not receive phone calls during work hours and requested them to call me at a more suitable time but they refused. I then asked them to email me the information about my debt. They did not do so. They did not send me any written communication so I was clueless about what the debt was about. I was not informed of my right to dispute or how I can contact them. They are not even available to take calls outside my work hours so I can not call them and speak to an agent effectively either. 

They then flagged my credit report for " Collections '' and all this while I have had no success hearing any useful information from them even after explicitly requesting it. 

I even filled out the " Contact Us '' form on their website requesting this information and also called them asking them to email me which they did not do again. 

They don't list an email on their website intentionally making it difficult to contact them. But they did not respond to the contact us form I filled on their website either. 

I believe them flagging my credit account was malicious and they have not fulfilled their duties and obligations around clear and useful communication surrounding this debt.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Getting my free annual credit reports from XXXX and XXXX was simple and very expedient. Not so with Equifax. Equifax, both online and by telephone, blocks me from obtaining my free annual credit report. Instead, they offer a PAID option to obtain my FREE credit report. This has the appearance of illegal bait and switch. Please investigate and let me know what you find. Thank you.
Consumer complaint received 2024-08-13
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)

Credit bureaus refuse to remove accounts created due to my identity being stolen and used for several years before the culprit returned to XXXX and stopped using and paying the accounts. As a result they hit MY credit reports and the bureaus refuse to remove them. I have sent all evidence to all XXXX bureaus, including a copy of the police report, FTC ID Theft report, and a letter from the IRS stating I was a victim of ID theft and must use a pin to file now and forever. But the bureaus insist they can't remove it " bc the information matches you '' - completely oblivious to how ID Theft works! They ignore all my correspondence and simply state they will not process it - siding XXXX the debtors who screwed up in the first place and should have never allowed these accounts to be opened!!! PLEASE HELP!
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : - FRAUDULENT ACCOUNTS : XXXX. XXXX XXXX > {$9700.00} * Account # : XXXX * Date Opened : XX/XX/XXXX 2. DEPT OF EDXXXX XXXX {$2800.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 3. DEPT OF EXXXX XXXX {$3500.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 4. DEPT OF EDXXXX XXXX {$3100.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 5. DEPT OF EDXXXX XXXX {$7600.00} * Account # : XXXX * Date Opened : XX/XX/XXXX - FRAUDULENT HARD INQUIRIES : XXXX. XXXX  * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681.
Consumer complaint received 2024-08-16
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. (PA)

On XX/XX/year> Experian and XXXX received my identify theft report. XXXX received it on XX/XX/year>. I called each of the Bureaus on XXXX/XXXX/XXXX to check the status of my identity theft report. Some of the bureaus have removed some of the fraudulent information. Some had done nothing. The representatives advised me they had 30 days to investigate. I read the FCRA 605B ( 15 U.S.C. 1681c-2 ) which i also sent to them. Per the 605B they have 4 business days to remove said fraudulent information. I made sure to wait over 4 business days as a courtesy. I would appreciate any assistance you could offer in getting this resolved with all 3 bureaus as this is effecting my financial future greatly. I have done everything I am required to do by law.
Consumer complaint received 2024-07-19
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: JPMORGAN CHASE & CO. (IL)

We were victims of identity theft, and fraudulent charges were placed on our credit card. 

We contacted Chase about the fraudulent charges and closed the card. 

Chase Bank ( Chase Freedom Card ) removed most of the fraudulent charges, but the reposted one charge. I believe it was because the merchant pushed back. The charge was {$130.00} from a Laundry equipment company. 

We also filed a police report with the local Police Department. 

Chase told us we had to talk to the merchant with which we had no relationship. Chase 's agent requested more PII from us to send the merchant which were were not willing to share as we have no relationship with this merchant. We have no recourse via Chase to resolve this fraud. 

We have since tried many time to call and work with Chase to remove fraudulent the charge to no avail. The prior CFBP complaint yielded no additional investigation from Chase. 

We have been a good customer with Chase for decades, and used them for most of our credit card purchases and always pay our bill on time. 

Chase has not offered the arbitration designated in their card member agreement. 

We kindly request the the CFPB to include our calls with Chase in their next audit exam.
Consumer complaint received 2023-03-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVA Financial Holding Company, LLC (CA)

Description of Complaint : I want to file an unethical and unprofessional harassment complaint against an employee of Nova Home loans. His name is XXXX XXXX and he is a loan officer. 
I was treated rudely and XXXX XXXX would speak to me and lecture me as if I was an ignorant person. He would not speak to my husband that way but because I am a woman, and my personal opinion is he was discriminatory towards me. My last conversation with him via text on XX/XX/23. He was rude, pushy mean and nasty and very unprofessional. I have all the texts to prove his unruly behavior. He needs more training in his field of work especially when dealing with women. There is no excuse for His behavior and I believe it should be brought to his attention with reprimand.
Consumer complaint received 2024-05-24
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. (MA)

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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-27
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.