davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Dispute of Account and Request for Validation To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Portfolio Recovery Associates, This letter serves as a formal dispute of a debt you are attempting to collect from me. I am writing to inform you that I have no knowledge of this alleged debt and have not had a prior opportunity to dispute its validity. 

Furthermore, you have violated the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) in several ways : Failure to Provide Validation Notice ( 12 CFR 1006.34 ( b ) ( 5 ) ) : I have not received the required validation notice outlining the debt details and my rights to dispute it.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : You have not provided a fair and accurate opportunity to dispute the legitimacy of this debt.

Improper Furnishing to Credit Bureaus ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) ) : You have reported this collection to credit bureaus without providing the legally mandated disclosures. 

Due to these violations, I demand the following : Cease all collection activity on this account until the dispute is resolved. 

Provide a copy of the certified mail receipt with my signature, if you claim to have sent a validation notice within 5 days of receiving this debt from the original creditor. 

Furnish a complete debt validation package according to the FDCPA, including the original creditor, account origination date, and a breakdown of charges. 

Forward a copy of the XXXX tax form associated with this debt. 

I will be pursuing all legal options available to me if you fail to comply with these demands. This XXXX include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the relevant credit reporting agencies. 

I expect a written response within 30 days of the receipt of this letter, which should detail your actions to address my dispute and rectify the violations mentioned above. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-29
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX  XXXX
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Did a voluntary repossession on my vehicle and NEVER missed monthly agreed payments and have NEVER BEEN LATE. I've PAID OFF the settlement amount EARLY and they're REPORTING ME AS BEING LATE ... AND I'VE NEVER BEEN LATE and THEY'RE JUST REPORTING THAT I PAID OFF THE LOAN AMOUNT 3 MONTHS AGO and my credit report and fico score is DECLINING and this is my THIRD TIME TRYING TO CORRECT THIS ISSUE.
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2022-02-24
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. (MT)

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. TRANSUNION has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with TRANSUNION. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX* U S DEPT OF EDXXXX XXXX
Consumer complaint received 2022-09-29
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. (LA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NE)

I took out a student loans in 1994. I consolidated later and my loans were no longer with Nelnet. While my loans were with Nelnet they illegally charged me a XXXX interest rate when the federal cap was XXXX. I reached out to Nelnet and they did nothing. I reached out to the Ombudsman and although she agreed what they did was in violation of Federal law, she said I had no recourse since I had consolidated my loans.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (PA)

On XX/XX/2022, I paid {$580.00} to XXXX XXXX XXXX, for an appraisal on my house, for a refinance conventional mortgage with PenFed Credit Union. I have never received a completed appraisal. PenFed claims the XXXX will not sign off on an appraisal until alterations are made to the property. This was not agreed upon prior, and if they will not complete the appraisal, a full refund should be issued as they will not be fulfilling their obligations. The mortgage company refuses to move forward with a completed appraisal, which the appraisal company, which was chosen by PenFed refuses to complete.
Consumer complaint received 2022-12-17
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.
Consumer complaint received 2022-12-17
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. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681 section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a 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 and purpose.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: A-L FINANCIAL CORP (AZ)

I bought a car on XXXX later the same year i went to prison, when i got out everything was gone. T his company send me a letter with a warrant from the superior court sue in me about that loan for the car. I was reading the STATUE OF LIMITATIONS FROM AZ FOR DEBT IS XXXX YEARS. Is too old. I never gave contact from that company before A-L FINANCIAL CORP.  I did a report a police report on XXXX i went today but i was close. I talk to XXXX the person and she told me with the police report i was good for them and fax them. Now i have to wait to the appointment arrive to quash the warrant and explain to the judge. I losing time and work days because of this situation. i really need my job to take care my family.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I have tried contacting Mohela multiple times regarding a refund for my loans being paid off by a third party during the time of the CARES act. Ive requested said refund and told it was put into the system but could be be denied, and have had different answers each time I contact them. I havent received any sort of communication and have waited on hold for over an hour each time I call regarding the status of the refund request, which was put in over 30 days ago.
Consumer complaint received 2023-06-27
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)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, and XXXX XXXX . 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 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 2022-12-17
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: CITIBANK, N.A. (CA)

XX/XX/22 : Purchase made from XXXX XXXX XXXX FL for a water cruise. Since the weather was bad at the location, cruise guide at the location tried to call the operator, but operator did not respond. Next day, the operator offered credit for another cruise another day. Since we were on vacation and could not accommodate the time another day asked for a refund. They refused. 

XX/XX/22 : Opened a dispute with Citi XXXX- the credit card company XX/XX/22 : Merchant responded stating they are third party and just does the billing and not responsible for the refund and contact the operator. 

XX/XX/22 : City card decided customer ( that is myself ) responsible for the charge.
Consumer complaint received 2023-08-21
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. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MI)

I recently called to cancel my XXXX XXXX card because I received notification of an annual fee. The bill I received prompting the call had a balance of roughly {$110.00}, to which I attributed late fees. 

I placed over 4 hours, wish I was exaggerating, between transfers one hang up to get resolution. The weekend of XXXX XXXX I spoke with a representative who assured the account would be brought to a XXXX balance and closed out. 

As of today I called and was told the account has a {$67.00} balance. I received a collection email. I also continue to have me credit diminished by Citibank. The only activity on the card in months was my youngest son 's unauthorized purchases on XXXX, which XXXX promptly refunded to the Citibank card in full.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have disputed the above account with all three credit bureaus. Each bureau has claimed that your company has supplied documentation that validates the accuracy of this account. I know my rights under the Fair Debt Collection Practices Act, and I request that you provide me with ALL documentation you have in your file to validate the alleged account immediately. 

Please Verify the following : Name and mailing address of the Original creditor The date you acquired this alleged debt The date of first delinquency on this account Proof that your company is licensed to collect in Texas The original balance owed on the account A breakdown of any interest, additional charges, or fees your company has added to the account. 
A copy of the notice you sent me regarding my rights to validate this account before you presume it is accurate to the credit bureau. 

Suppose your office fails to respond to this validation request within 30 days from the date of the delivered receipt. In that case, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

Please be advised that if you or the company you represent have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character.
Consumer complaint received 2022-12-17
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. (NY)

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 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section St
ates : 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 vears.

15 U.S.C. 1681s-2 ( 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.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (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. Consumer Adjustment CO # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have provided an opt out notice to all three credit reporting agencies XXXX, TransUnion, and XXXX and the information is still being reported. per 15 USC 6802 I have the right to opt out of anything being reported. This is also a violation of my privacy per the privacy act of 1974. These companies stated they would not share my information with any third-party affiliates, and they have. which in itself is a violation.
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX, account number XXXX, which has a late payment on record. 
Arkansas C, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX, account number XXXX, which is in collections. 
XXXX XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX XXXX. 
XXXX XXXX, account number XXXX, which is in collections and was originally held by XXXX XXXX Bank XXXX 
XXXX  XXXX, account number XXXX, which is in collections and was originally held by 08 XXXX  XXXX Bank XXXX XXXX XXXX XXXX 
XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the late payment on my XXXX account may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX