davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2022. I responded to a notice of a collection of debt from Portfolio Recovery Associates LLC. In my response, I requested the following items to be provided to me in order to validate the debt in which they assumed I owed to them. Those items were listed as follows : 1. The original contract from the original creditor with my signature on it.

2. The payment history and itemized billing associated with this alleged account.

3. The proof of authorization and ownership. How and when did your company get assigned or purchase this alleged debt owed to you.

4. Please provide the name, address, and phone number of the original creditor.

Please provide all requested information to me via mail. If you can not provide all of the requested information to me within 30 days, your attempt to collect the alleged debt will be considered as illusory and you must cease and desist all forms of communication with me. You will also be prohibited from reporting any negative information and false debts owed to you in my name to credit reporting agencies. 

After Portfolio Recovery Associates LLC received my request to validate the assumed debt owed to them, they ignored my request to provide me with these items and instead, they proceeded to report the assumed debt owed to them as a collection account to the credit reporting bureaus. The actions of Portfolio Recovery Associates LLC in their decision to ignore my request, has not only resulted in damages to my credit worthiness. But it has also violated my rights as a Consumer who demanded that the assumed debt which they said is owed to them be validated BEFORE reporting ANY negative items and/or false debts in my name to credit reporting agencies.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX and XXXX XXXX XXXX can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous e-oscar verification that is causing so many consumers trouble
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX, XXXX, nor XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2023-01-07
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. (MD)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$5600.00}
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

I AM BEING CHARGED FOR A PHONE BILL I DID NOT OPEN. 
I AM ALSO BEING HARRASED ABOUT NOT PAYING MY CAR NOTE ON TIME WHICH IS ALSO UNTRUE I HAVE CONTACTED THE COMPANIES ON SEVERAL OCCAISIONS BUT TO NOTHING HAS BEEN RESOLVED.
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC (MI)

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 misstatements or omissions of material facts constitutes a FEDERAL XXXX VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. 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 some accounts. All is being investigated by the FTC
Consumer complaint received 2023-01-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NC)

Radius Global Solutions LLC, i owed the debt of XXXX to XXXX. but i settled for half of that with radius. radius never sent me a letter verifying the debt, neither did XXXX. i paid radius half of the debt owed on XX/XX/XXXX th XXXX they were to send me a release letter saying everything was good to go. but did not. i filed a dispute against XXXX on the credit report and they said the debt was accurate when it's not. i am not happy about this.
Consumer complaint received 2023-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Consumer complaint received 2022-11-29
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I never received statements from   XXXX   XXXX  . When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my credit score.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

On XX/XX/, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MI)

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 misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. 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 some accounts. All is being investigated by the FTC
Consumer complaint received 2023-01-07
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. (NY)

Information is inaccurate and incomplete. Inaccurate account type, reflects incorrect date opened dates, and reflects inaccurate payment. They dont have permission to report it. Please see attached documents and remove.
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (NY)

Information is inaccurate and incomplete. Inaccurate account type, reflects incorrect date opened dates, and reflects inaccurate payment. They dont have permission to report it. Please see attached documents and remove.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I am writing to ask you for help in admonishing XXXX for their wretched, selfish behavior. 

They were my mother 's all time favorite store. Prior to her death, mom had ordered {$44.00} worth of clothing, which happened to arrive while she was in the emergency room. She knew then, I guess, after 7 years of XXXX, that she wasn't going to come home, even though we did not understand that. She asked us to return the items, which we did the day after they arrived. 

She died XXXX weeks after being admitted to the emergency room, on XXXX XXXX. She was in tremendous pain during that time. 

XXXX charged us {$19.00} for the return -- but not until after her death, so a couple weeks after the return. Fine. 

We received the bill on XXXX, which was the day it was due. 

On XX/XX/XXXX. I called and asked for a grace period of another week as we were in deep mourning. " XXXX '' said no problem. I still mailed the {$19.00} that day. 

On XX/XX/XXXX, I called because I'd gotten yet another bill, and " XXXX '' asked me to mail the death certificate, which takes XXXX weeks to receive in MD. They said when they received it they would remove all of the fees and not to pay any fees or bills. 

I did so on XX/XX/XXXX. I sent everything they asked for. 

The bill became {$29.00}. 

Then the bill became {$60.00}. 

I also called repeatedly. But now, everytime I call I have to enter in her card number, then her social security digits -- and only then did I get a message that their office is temporarily closed. I have called more than 12 times and this is what happens, so I'm guessing they don't want to talk about this account. 

On XX/XX/XXXX I finally mailed the next bill for {$60.00} just to stop the craziness. 

They held this check for nearly 3 weeks before depositing it, which meant it was deposited late. Everyone else I paid on that date deposited the checks within a few days. 

Today, XX/XX/XXXX, I have yet another bill for {$60.00}. Sent less than a week before the due date which is XXXX ... which means if I pay it, it will be late -- and they will send yet another bill -- a week before it is due. 

Is this ever going to end? 

No one else is this rude. Everyone else answers their phones. 

Everyone else heard that my dearest, most wonderful mother had died and carefully helped us to close out her bills. I'm not asking for anything here other than how to close her account and stop receiving these late bills from them. 

The {$19.00} should have been the final bill. 

Please advise. I really do not know how to resolve this short of blasting them on social media. 

Details : XXXX XXXX XXXX is the name of my dear mother
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (CA)

Hello, I had money stolen from my account earlier this XXXX, the week of the XXXX, mainly the XXXX ( card was stolen ). It was around {$1100.00} dollars. 
The bank I have is called Comdata  ( XXXX ) and they have brought me in circles since XXXX. 

The first time I called, they told me I was guaranteed my money back. All of a sudden, I called and they told me my XXXX Claim was denied. They said I received an email and I have not. Which means the only way I would have known that information, is if I called. Its unacceptable that thats the way I found out. 

After learning that, I told the lady to resend me an email and it has been maybe XXXX weeks and I still did not receive an email. I called for another time and another lady gave me a case code. This Comdata ( XXXX ) is a very bank shady company. I do not recommend at all!
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (HI)

Around the XX/XX/2022 time frame, I switched my cellular carrier from XXXX to XXXX XXXX, which is a re-seller for XXXX services as this change lowered my service costs. Consumer cellular said that they would take care of the steps needed to make the change and cancel my XXXX account. Some time passed and I was still getting bills from XXXX and after numerous conversations with XXXX, I found out they were still billing us for our XXXX watches. We finally got that settled and made sure that any remaining charges were paid and based on XXXX inquires to XXXX, our balance was XXXX. Sometime during this lengthy transition a collection bill for {$420.00} shows up claiming I owe XXXX more money. First off, I always had my payments on auto-pay and I never had late payments a, nd bills that showed up from XXXX during this process, I either paid or contacted XXXX to take care of it. Sometime in XXXX, this company, Creedence Resource Management filed a collection notice saying I owe {$420.00} to XXXX which now, has taken my hard earned credit score of XXXX down to XXXX for noting that I have done. I have repeatedly contacted XXXX and verified I owe them noting and I have no idea where this is coming from. I do know that someone is responsible for initiating this and I expect this to be corrected and removed from my credit reports. I am prepared to take legal action against this company for falsely filing a negative credit notice.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (FL)

I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.
Consumer complaint received 2023-03-07
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: Experian Information Solutions 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 an 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 or 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 2022-11-28
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: Experian Information Solutions Inc. (SC)

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 XXXX XXXX XXXX. 
XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ending in / XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX, XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX, XXXX. No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX section XXXX A states I have a right to privacy. 
XXXX XXXX XXXX section XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) 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.