davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has been unresposive to my dispute submitted via CFPB # XXXX regarding alledged account ending in XXXX because they made no mention of providing the proof I requested from their firm. 
I requested PROOF that this company provide validation that they alledge they sent on XXXX XXXX to me. I am requesting the tracking number that will prove that I received the validation they state that they sent. 
In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) without proof that you sent me validation you had no right to put the alledged account on my credit report. Additionally, your company is in violation as your company has failed to remove this 7 year information from my credit reports and you have blatantly illegally continued to report this account wiith a Date of Last Payment that clearly proves account is more than 7 years old according to your own reporting. 
I have disputed the alledged account as 7 years old more than once and you have verified my dispute each time which means you have committed more violations in addition to a litany of other violations that I may sue you for if I am forced to. I assure you that I have kept careful records regarding your violations. 
I am XXXX from being XXXX  with XXXX  and your firm is making my quality of LIFE even more difficult as I want this information deleted immediately. 
Your blatant disregard of the FCRA and FDCPA is unacceptable. 
I only knew about this account intially because it was on my credit reports.
Consumer complaint received 2024-05-06
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (WV)

I tried to start a XXXX XXXX account in 2019. I had it plugged in for about a week before realizing that the service was not working. After contacting a XXXX representative to cancel the service, I then received a a bill a month later. After contacting XXXX again through phone and chat, it was learned that the service was still not canceled. I made every attempt possible and they were reluctant to do so, which resulted in fraudulent billing charges and led to the account being placed with a collection agency- in turn negatively impacting my credit.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

An account was opened on my behalf that was fraud. The price of the service was not the advertised price. Since the merchant was paid all communication was done through Affirm who has since ignored all of my attempts to report the fraud. The price was {$12000.00} with a {$1000.00} upfront fee paid to the company XXXX which the contract with Affirm should have been for {$11000.00} and not the full amount. As a result, the merchant ghosted me and never provided the service after being with them for 3 months. After I requested a refund they tried to start working on my behalf but I was done. Affirm did not assist me and as a result I reviewed my credit report to learn I was reported late for nonpayment and noticed the price of the account which was incorrect. After numerous attempts. Affirm and the merchant have not responded. At this point, all I want is to cancel the contract and any money paid to the merchant and Affirm refunded to me. 

Either way this is fraud and I need this matter taken to the next level.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Block, Inc. (NC)

I am the natural person, in fact, XXXX XXXX. AfterPay has stated that I owe an alleged debt and has refused to give me my right to dispute the validity of the alleged debt. AfterPay has not given any sworn statement verifying the validity of this alleged debt and will not allow me to continue to use services. AfterPay has refused to give a sworn statement containing the name and address of the originial creditor. AfterPay has used abusive and obscene language regarding this alleged debt.
Consumer complaint received 2023-10-28
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. (LA)

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.

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 inructions 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
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

The due date on my Barclay credit card is the XXXX of the month. I have never been late. Yesterday, XX/XX/XXXX I made a {$400.00} payment and they charged my account {$29.00} late fee on the due date and then they fraudulently stated that the payment was not received until XX/XX/XXXX. Their recording even stated that the payment was received on XX/XX/XXXX. This is first fraud that they charged a late fee on the sue date and second form of fraud for falsely stately the payment was received on XX/XX/XXXX. This company is also charging exorbitant interest rate of 29.99 percent. They baited me into using their card by offering a 0 -3 % interest rate then switched it to 29.99 % This is predatory lending and usury and should be illegal. I asked them to reduce interests numerous times but they refuse.Companies like this should be forces out of business!
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (VA)

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Consumer complaint received 2024-05-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company Jefferson Capital System has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card bearing my signature, the shipping number, and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card proving that they sent me the notice at least XXXX business days before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Unfortunately, your response dated XX/XX/XXXX still does not answer my requests. You suggest that I provide you with a bank statement around the dates of the deposits sent to me yet then suggest filing a police report. Why should I send you a copy of my bank statement if you are not going to use that information in any way? Would you be filing the police report or an insurance claim for funds that werent deposited into my account? 
Are you legally allowed to ignore your customers? The very same reason that XXXX provided extremely poor service and caused my account to become theoretically behind is the same reason that you continue to charge late fees due to your refusal to confirm and accept their negligence in properly addressing my concerns. For reference, my attempts to contact your Ombudsman by email twice at XXXX but have not received any response ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have gone without response as of todays date ( XX/XX/XXXX ). 
In short, I 100 % paid the loan amount in full from the dates shown in the attachment with knowledge that no escrow increase was needed in XXXX ( since I paid the full tax bill directly to the county ). This is proven by the theoretical refund that was sent to me as a result of me paying the taxes directly to the county. Will you consider treating your customer with the due diligence and respect to understand that the information provided is accurate and true? Funds on every month in that transaction history came from my account. Do you understand why I feel that I should not pay you a double payment or payments beyond what has been paid? Regardless of your inaccurate and complicated transaction histories provided back to me are you willing to look at the big picture? 
It's sad that you refuse to give me a call and to go through this on a cordial phone call such that it can be resolved. It baffles me how you are legally allowed to treat customers in this way and still maintain a business license in any state. 
Note that XXXX payment was posted on XX/XX/XXXX per the following transaction confirmation : I have been contesting the errors on my account for some time now yet you continue to charge late fees in the interim without a final conclusion to my inquiries. I request that you sustain charging late fees until this issue is resovled. 
Hopefully you or someone at your company will look into this situation and give it the attention that it deserves. There is no reason that I should pay a corporation such as yourself ( especially after the poor service provided thus far ) DOUBLE payment on my mortgage.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX, JEFFERSON CAPITAL SYSTEMS and XXXX has ruined my credit report by inaccurately reporting a closed auto loan on my XXXX credit report. They inaccurately reported 90 days past due and 37 months in CHARGED OFF status which has completely ruined my otherwise perfect credit score. I never missed a payment on that auto loan for account number XXXX XXXX currently have another open auto loan with XXXX XXXX XXXX that I have never missed a payment on. XXXX XXXX XXXX, JEFFERSON CAPITAL SYSTEMS and XXXX has violated my rights and grossly misreported a closed charged off auto loan onto my XXXX credit report. I demand you remove this account from my credit report otherwise I will seek legal counsel. JEFFERSON CAPITAL SYSTEMS owns this account and has sent me a letter saying they have terminated collections and have closed the account so I DEMAND that you remove this charged off close negative account from my XXXX credit report.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP (NY)

After reviewing my credit report on XX/XX/23 I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested and sent to Mandarich Law Group as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/23 and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that this account is disputed and therefore a 2nd validation letter was sent out on XX/XX/23. After reviewing credit reports again on XX/XX/23 there has been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is not allowing me to file disputes an has deleted pass dispute investation results of two collection XXXX XXXX XXXX XXXX ( XXXX ) XXXX was to be removed XXXX $ I dont owe this debt it was removed previously under another collector an has been investagated remove this item second XXXX XXXX ( XXXX  ) for XXXX $ should be removed someone opened this acct while I was a resident of Illinois this is not mines and should be removed I did not open this acct
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. Upon reviewing my credit report, I noticed some inaccuracies regarding late payments that are negatively impacting my credit score. 

I understand the importance of accurate and up-to-date information on credit reports, and I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following entries : XXXX XXXX XXXX. XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX. customer service XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service After conducting a thorough review of my financial records, I can confirm that these late payments are either inaccurate or were reported in error. I kindly request that you investigate this matter and, if appropriate, remove or correct the mentioned late payments from my credit report. 

I appreciate your prompt attention to this issue and request that you notify me of the results of your investigation. If the late payments are found to be inaccurate, I kindly ask for their removal from my credit report.
Consumer complaint received 2023-03-17
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. (PA)

There is a fraudulent inquiry on my credit reports, thats reporting on XXXX and TransUnion from XXXX XXXX. Theres a Fraudulent collection account reporting on my TransUnion as well called XXXX XXXX XXXX.
Consumer complaint received 2020-09-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TD BANK US HOLDING COMPANY (CA)

So I had a vehicle with TD Auto Finance and that vehicle was lost due to a fire and the vehicle was a total loss. My insurance had told me they were going to pay off the rest of the car for me because I wasnt done paying it off. The months I was waiting for the insurance popped up on my credit as missing payments even though they had said they would pay it off and I just wanted to get those 2 missing payments off my report because I have never missed a payment.
Consumer complaint received 2021-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (LA)

The boat was totaled on XX/XX/XXXX due to XXXX XXXX. XXXX XXXX has sent US Bank a check 3 times. XX/XX/XXXX, XX/XX/XXXX, and XXXX. US Bank refuses to cash the check and pay off the loan. I have called consistently for four months trying to get this problem resolved and no one from the company will help or call me back to tell me why they will not cash the checks.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (CA)

CAPIO PARTNERS LLC is sharing my nonpublic personal information with no affiliated third parties XXXX, XXXX, & XXXX. CAPIO PARTNERS LLC does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting to XXXX that this is an open account while XXXX was reported as a COLLECTION account. They are also reporting to XXXX that the account was last active on XX/XX/2023 but wasn't opened until XX/XX/2023, how can the account be last active before it was open. The information they are providing to consumer reporting agencies is incorrect and damaging. They are violating my right to privacy as a consumer, by reporting inaccurate, false, damaging, information to the consumer reporting agencies. They are violation of multiple federal laws.
Consumer complaint received 2024-05-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (PA)

I have sent numerous amounts of letters to the creditors they say I owe them. However, they have failed to respond to any of my letters. I have sent letters to the XXXX, XXXX and XXXX in the hopes that they would remove the items from my credit report. They have said that the accounts have come back verified however they have failed to provide me with documentation of proof that these accounts are mine. I have sent letters very month since XX/XX/XXXX trying to resolve the matter. the accounts in question are I C Sysyems, XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MO)

I.C. System fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to [ REPORTING AGENCYs ] Consumer Reporting Agencies by way of identity theft New York Penal Law 190.79 and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-04-25
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX