davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing this letter to formally dispute the alleged debt, which appears on my credit reports and is currently being pursued by Columbia Debt Recovery. After thorough review, I have determined that I do not recognize this debt, and I believe it has been reported in error. 
I am deeply concerned about the inaccurate and damaging information that has been reported to the credit bureaus, as it has caused me significant emotional distress. I understand that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) provide consumers with certain rights, and I intend to exercise those rights to rectify this situation promptly. 
I request that Columbia Debt Recovery conduct a thorough investigation into the validity of this debt and provide me with all relevant documentation supporting its legitimacy. This includes but is not limited to : A complete account history, including details of the alleged debt, its origin, and the original creditor. 
Copies of any signed agreements or contracts related to the alleged debt with any ID that proof that I own this alleged debt. 
Verification of the date of the last activity on the account.

Documentation proving that Columbia Debt Recovery has the legal right to collect on this alleged debt. 
Please be advised that, until such time as a thorough investigation is completed and you provide me with the requested documentation, I dispute the validity of this debt. I also insist that you cease all collection activities, including reporting this debt to the credit bureaus, until the matter is resolved. 
I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect my rights. I expect Columbia Debt Recovery to act in accordance with the law and to provide me with a prompt response to this dispute.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (ID)

I was informed there was a charge on a credit card from Trusist bank. I do not use this card or carry it with me. We contacted the fraud department and was told the issue was resolved and the account was closed. I received a letter in the mail from the fraud department stating that the account was closed and the issue was resolved. I keep getting calls and letter from Trusist bank that I still owe the money, they have reported late payments XXXX times to the credit bureau running my credit. I have sent copies of the letter from the fraud department and am still receiving letters from Trusist bank saying I owe them the money and they are reporting a late payment to the credit bureau. Truist Bank refuses to talk to their own fraud department, or acknowledge the letters from their fraud department and are trying to force me to pay money to them I don't owe and ruining my credit in the process.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grain Technology, Inc. (NC)

Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e XXXX, XXXX, and XXXX, as allowed by law. 

In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. 

As a diligent consumer, I am concerned about the privacy and security of my personal information as your company is questionable as it pertains to the legality of the lending as there have been an abundance of fraud reports. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I have reported to Experian multiply times to remove all Potentially negative from my credit history which is now impacting my credit score. i told them its not helping me and that its Illegal to have that on there even when paid in full. here are all the credit companies i told them to get off my credit history. 
XXXX XXXX opened XX/XX/XXXX paid in full XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX paid in full XXXX XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX paid in full XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX paid in full XXXX, XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX, XXXX opened XX/XX/XXXX paid in full XX/XX/XXXX.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (SC)

I want too dispute this off my credit because I already spoke with the company about the situation and they told me too write a dispute letter too them about the situation and I did just that and never heard from them again and now Im just getting a letter about what I owe which is something I never did, so I want to dispute this off my credit because they never reached back out too me about this situation anymore and it has been a year now.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX XXXX XXXX XXXX XXXX inquiry Date XX/XX/2022.
Consumer complaint received 2017-05-04
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. (VA)

I have filed a 609 with Transunion on  X/X/17   ,  X/XX/17   , and  X/XX/17   .  XXXX  on on  X/XX/17    and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17   . Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the 609 law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  XXXX   XXXX
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this letter in response to the recent collection notice I received from XXXX XXXX XXXX regarding a debt that THEY claim I owe. I am aware of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 ), and I believe that your collection efforts are in violation of this law. 

As per the FDCPA, it is illegal for debt collectors to use abusive, deceptive, or unfair practices when attempting to collect a debt. I strongly believe that your agency has violated this law by engaging in the following practices : THEY DO NOT HAVE THE RIGHT TO COLLECT IN THE STATE OF GEORGIA THEREFORE THEY SHOULD NOT BE REPORTING ANYTHING ONO MY CREDIT REPORT THEY ARE NOT ON AMY OTHER RPEORT OTHER THSAN TRANSUNION AND TRANSUNION REFUSES TO REMOVE THE ACCOUNT In light of these violations, I demand that your agency immediately remove this collection from my credit report and cease any further collection efforts related to this debt. I also request that you provide me with written confirmation that you have taken these actions within 30 days of receiving this letter. 

Please note that I am prepared to take legal action if necessary to protect my rights as a consumer under the FDCPA. I urge you to take immediate action to remedy this situation and avoid any further legal action.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (CA)

I have had two Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Ca  XXXX  A lliance One  Rec Mgmt  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , WA  XXXX   RE : A cct #  XXXX    XXXX   XXXX   XXXX   To whom it  may conc ern : I would like to dispute  XXXX  accounts being held in collections with  Alliance One Receivables.    The following accounts were settled in  XXXX  and are related to each other. In  XXXX , I was pulled over in   XXXX   XXXX  , CA for an expired registration and found I was driving on a suspended license. Clerk o f Court  of  XXXX   XXXX , Fl. had received notice from North Carolina, that I owed a {$50.00} late fee on a speeding violation that I was late in paying in  XXXX . In   XXXX  , North Carolina and Florida both joined th e DMV n ational registry and ordered the suspension of my California drivers license which Id had since  XXXX . My car was impounded. I had to pay {$50.00} to North Carolina and pay any and all fines associated with my drivers license in order to get my license and registration reinstated. It cost me roughly {$1200.00} in  one da y between  XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX  to clear my driving record, reinstate my license, and renew my registration in order to get my car out of the impound in  XXXX   XXXX . All settled and resolved in  XXXX .   In   XXXX  , I was involved in another incident and as a result had my license suspended once again. I received multiple citations that I paid to  XXXX   Superior Court  and to  DMV in order to restore my driving privilege. It was a 9 month process paying off all outstanding court fees and it again it was settled. Yet, Alliance One claims that  I have still have outstanding traffic fees still in collections dating back to   XXXX   and   XXXX  . Please note that Citation :  XXXX  is from  XXXX , besides the fact that I had a bankruptcy that was discharged in  XXXX  and having zeroed out the balance with   XXXX   XXXX    Superior Court and DMV at least  twice since  XXXX .   I am disputing the following accounts currently in collections with  Alliance One  and ask that they be removed as they were both settled in  XXXX .    Alliance One  Acct #  XXXX  Docket Number :  XXXX  violation date  XX/XX/XXXX  XXXX   XXXX   XXXX  {$910.00} Citation :  XXXX   XXXX   XXXX   Clerk of Court  {$160.00}.     Thank you,   XXXX   XXXX   XXXX
Consumer complaint received 2023-11-19
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (MO)

This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations
Consumer complaint received 2023-11-19
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. (FL)

XXXX XXXX never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years
Consumer complaint received 2023-04-26
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: World Acceptance Corporation (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-11-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MD)

XXXX of 2021 Ive been sending National Credit Systems about a rental dispute that appeared on my credit. Ive been sending letters to National Credit Systems and to every credit agency. 
Their information is NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

In accordance with the fair credit reporting act Pennymac Loan Services , LLC has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (IN)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (GA)

I was minor XXXX XXXX old when I caught a felony & date of conviction XX/XX/XXXX its been over 7 years Accurate report my background to XXXX XXXX XXXX XXXX XXXX me due to a old conviction also in the state of XXXX they only allow you to go back 7 years so they discriminate me & im reaching out for fair credit report act
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I deposited an amount of {$540.00} at an Bank of America ATM, XXXX XXXX XXXX XXXX, XXXX XXXX. The time was XXXX. This is a drive thru atm. The cash went inside the atm machine but the screen just stopped there. I had to make two more deposits but the ATM machine didnt seem to be working right. I waited there in hopes that maybe it will return my cash but it didnt. I did recieve a receipt though that says " We apologize for the inconvienience.We are unable to process your request and can not return your item ( s ) ''. Money didnt showup in my bank too! It was Friday and time was after XXXX so no one picked up the phone when i called the helpline. I had to make two more deposits so i just went to the other atm at the same location that is a walk in atm ( not drive thru ) and deposited the rest of the money there. I was sure this isnt a big issue as the bank will take care of the issue. 

I called the bank the following week day, explained to them the issue and they credited me {$540.00} saying they will investigate the issue. Today, after 45 days i received a letter from the bank that my claim was wrong and that i didnt deposit {$540.00} but {$100.00} and they will debit the excess amount of {$430.00} from my account. 
That is a totally false investigation. I dont understand why dont they just the XXXX footage or cameras or make use of their INVESTIGATIVE RESOURCES the correct way! This is a total scam they are doing. If their atm systems can fail and eat up my money then no wonder their investigation team is also similar. The system is flawed. I just need proper investigation and need a fair decision! 
Also, i have my bank statements with me where one can clearly see that there is absolutely no deposit of {$100.00} to be seen anywhere. Which once again proves their negligence and an attempt to eat my money!
Consumer complaint received 2023-11-19
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. (NC)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-05-04
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: GREAT LAKES (FL)

I have student loans and they were defaulted because of a car wreck I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in  a death of a family m ember.     Upon getting my life back together, I completed t he rehabilitation     program and pai d 9 consecutive payments on time for 9 mont hs. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are  3 times  as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..