davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Subject : Debt Validation Request Dear Portfolio Recovery Associates, I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this.

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt.

Please provide me with the following information regarding this debt : 1. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect.

2. The name and address of the original creditor to whom the debt was originally owed and the current creditor.

3. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus.

Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you.

Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I am XXXX XXXX and I am reporting this on my own behalf. Experian, XXXX, and XXXX are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

XXXX IS IN VIOLATION OF MY CONSUMER RIGHTS. XXXX XXXX WILL NOT REMOVE FRAUDULENT ITEMS OFF MY REPORT AND HAS ALL THE EVIDENCE. I H AVE SENT IN PROPER DOCUMENTATION TO RMOVE ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRIES AND XXXX XXXX HAS VIOLATED MORE LAWS. XXXX XXXX IS IN VIOLATION OF : XXXX ) 42 USC SECTION 408 - PENALTIES 2 ) 42 USC SECTION 405 ( c ) ( 2 ) - EVIDENCE, PROCEDURES, AND CERTIFICATIONS 3 ) 15 USC 1601 - TRUTH AND LENDING ACT 4 ) 15 USC 1602 ( g ) - DEFINITIONS AND RULES OF CONSTRUCTIONS 5 ) 18 USC 1028 A - AGGRAVATED IDENTITY THEFT 6 ) 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 7 ) 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 8 ) 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 9 ) 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 10 ) 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 11 ) US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 12 ) 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 13 ) 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 14 ) 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 15 ) 42 USC 408- ALSO ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! I WILL BE SEEKING {$1000.00} PER VIOLATION, DAMAGES AND PAIN AND SUFFERING.
Consumer complaint received 2023-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OK)

My annual escrow account disclosure was in error due to an insurance payment counted twice when my insurance co did not receive a payment on XXXX, was then reissued XXXX. 
Customer phone reps have said they paid them twice and to get my money back from my insurance and send it to them. They say that they can not create paper trail for this problem, based on my phone calls, put it in writing. 
We sent in a Notice of Error XXXX and received a letter of receipt XXXX saying an reply was coming within 30 days. 
As of this date XXXX, still no response.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BYS, LLC. d/b/a Boost Your Score (OH)

XX/XX/2024, I thought I was signing up for a short term loan. After reading fine print at the end, I did not want this company. I called immediately to close it and stop any debit. It was successful and guaranteed to stop any tranactions.They took it out anyhow on XX/XX/2024 to " BUILD UP MY CREDIT '' I called and demanded my money back. He said he had to close it. I would receive a return of funds very shortly. Nothing in XXXX I called again and ask Where is my refund??? check is being processed to return my money. Now they said I will get it in end of XXXX! I got a reply from XXXX. They said I agreed to 60 days refund. I never did because I cancelled it immediately. It never should have been taken out of my banking in the 1st place. This company is a scam I believe! 


Company called '' BOOST YOUR SCORE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-10
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I was shocked when I saw this negative items on my report. Information 's given by the Bureaus are very inaccurate across them specially the reported dates. The account status on XXXX XXXX XXXX  was Paid on XXXX while Open on XXXX, missing report on TransUnion. The XXXX XXXX account was reported derogatory on TransUnion only. This reports are misleading.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Made a purchase on XX/XX/23 with XXXX XXXX  for my XXXX birthday dress. Less than XXXX hours after the order was placed I emailed to confirm I would receive the order by XXXX. I was told orders take XXXX to produce so it would not arrive in time. I asked could I cancel the order and was told that I could not cancel because the order was already in production but I could request to change to a ready to ship item. 

I couldn't understand how I could not cancel since it was in production but I could change for a different product and stated that in an email to the merchant. At that point, the merchant stopped responding to me. 

XXXX days later I received a package but it was not the item I ordered nor did it fit. 

I contacted the merchant via phone since they stopped responding to my emails requesting a refund and to return the item I received that I did not purchase and was told someone would get back to me but no one ever did. 

I submitted a dispute claim with Citibank. The merchant responded well after 90 days later and provided shipping information to Citibank and Citibank closed my dispute in favor of the merchant. 

I don't understand how that's possible. The purchase amount was {$280.00} and I did not receive the item I ordered. I had to order a completely different dress overnighted from a different vendor. I want a refund. 

I still have the item snet to me in the packaging it was received in. I will return it happily.
Consumer complaint received 2024-11-13
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. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-11-10
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. (NJ)

XXXX XXXX XXXX is reporting a repossession on my credit reports that is not accurate. The address on a repossessions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX. Ive never lived there. I live in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX as youre about to see, Im gon na upload my ID with the address on it along with the Fraud affidavit. This needs to be deleted I put order information on the fraud affidavit. Theres no reason why it shouldnt be deleted or else else I will sue the credit bureau due to the violations report an accurate information without my knowledge
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (FL)

recently checked my consumer reports and noticed that there was information on my reports that i did not authorize. under the XXXX and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with XXXX XXXX they furnished my information to IC SSTEMS, all without my written consent. below i attached a dispute letter to further explain the laws being broken, i demand a deletion at once.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DEPT OF XXXX, XXXX, DEPT OF EDUCATIONXXXX, DEPT OF EDUCATIONXXXX, has violated my rights. 
DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy 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 a account without my written instructions
Consumer complaint received 2023-09-28
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. (GA)

XXXX XXXX XXXX XXXXXXXX was never late XXXX dept of ed XXXX was never late o The law states that under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

The law also states that 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

And The law states that 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.
Consumer complaint received 2023-08-10
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)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX. The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

Jefferson Capital Systems , LLC is reporting to all 3 credit bureaus. I have asked for validation numerous times from this company. They have failed to comply with the 30 day turnaround also failed to comply with furnishing information that they are licensed and bonded to collect in my state of South Carolina. They have violated my rights by fraudulently accessing any consumer file and invaded my privacy. I have never signed a contract with this company. I have asked for not only a signed contract from by a signed contract and signature from the original debtor whom they claim to be or supposedly collecting on behalf. And nothing, no avail, no response, no resolution.
Consumer complaint received 2023-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Please refer to information in XXXX. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX XXXX XXXX XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-08-10
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently disputed late payments that are showing on my credit report for my auto. I noticed this back in XXXX and started reaching out to the bureaus and the company I have my car with. I asked the main bureaus to investigate this and update my payment as it should be. I receive a letter that the information was accurate, and they would not be investigated because they think their information is accurate. What I ask them for was the payment history to show that I was late because this is clearly a mistake on their part and it's causing my credit score to be low and me being denied for a home loan I've applied for. I was never informed of any late payments. That means that I would have a late fee and I was not aware of that. I would like this to be corrected ASAP.
Consumer complaint received 2023-09-05
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. 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 customer service representative.
Consumer complaint received 2023-08-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00}