davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Hello. 
The account on my name ( XXXX ) is not properly validated in compliance with FDCPA statutes. Portfolio Recovery Associates failed to validate the debt info and dont have right to collect. They haven't done proper research or helped resolve the account issue. Please verify the debt and send new validation and make sure the names and addresses match with my person. I demand that correct information be sent and that it truly validate the debt.I will continue to dispute the account until they resolve the issue.
Consumer complaint received 2022-07-20
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. (GA)

XXXX XXXX CHANGED THE INFORMATION OF THIS ACCOUNT FOR {$8300.00} AFTER CORRECTING DATA THAT WAS INCORRECT AND VIOLATED MY RIGHTS ONLY TO POST THE INFORMATION THAT IS EVEN MORE INACCURATE. THEY ARE REPORTING THIS CHARGE OFF AS OPEN, ACCRUING INTEREST THUS OVER LIMIT, AND A INCORRECT BALANCE ONLY TO MAXIMIZE THE NEGATIVE IMPACT ON MY CREDIT REPORT. I AM A XXXX XXXX THAT WAS FORCED TO XXXX DUE TO MY XXXX XXXX XXXX XXXX WANTS TO PUNISH ME TO THE MAX OF THEIR ABILITIES. AFTER SUEING ME THEY HAD TO VOLUNTARILY WITHDRAW BECAUSE I HAVE NO TAXABLE INCOME. THIS IS HOW THEY WANT TO GET ME BACK. BY VIOLATING THE FCRA.
Consumer complaint received 2019-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (GA)

A family member who asked me to put their bank account in my name has racked up {$610.00} in overdraft fees. They are currently not able to pay because they are XXXX. Ive tried to schedule payments to pay this, but I still cant find a way out.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to file a formal complaint against PORTFOLIO RECOVERY ASSOCIATES for their egregious violations of my rights as outlined in the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Furthermore, I am disputing any and all debts claimed by PORTFOLIO RECOVERY ASSOCIATES, and I am revoking all rights for them to communicate with me via email, text, and phone calls. U

nder 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to accurate reporting of information to consumer reporting agencies. Despite this regulation, PORTFOLIO RECOVERY ASSOCIATES has inaccurately reported information about my credit history, leading to erroneous information on my credit report. Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher. I have made numerous attempts to dispute the inaccuracies with PORTFOLIO RECOVERY ASSOCIATES, but they have failed to investigate or correct the errors as required by law. Additionally, 12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information. PORTFOLIO RECOVERY ASSOCIATES has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies. Moreover, according to 15 USC 1681-S 2 ( 7 ) ( A ), consumers have the right to accurate reporting of information by consumer reporting agencies. PORTFOLIO RECOVERY ASSOCIATES failure to ensure the accuracy of the information they report to consumer reporting agencies directly violates this provision. In addition to disputing the inaccuracies in reporting, I am formally disputing any and all debts claimed by PORTFOLIO RECOVERY ASSOCIATES. Furthermore, I am revoking all rights for them to communicate with me through email, text, and phone calls, as provided by the Fair Debt Collection Practices Act ( FDCPA ). As part of this dispute, I request the following : Debt Validation : I request that PORTFOLIO RECOVERY ASSOCIATES provide validation of any and all debts they claim I owe, including detailed information regarding the origin and nature of alleged debt. Purchase Agreement : I request that PORTFOLIO RECOVERY ASSOCIATES furnish a
copy of the purchase agreement between them and the original creditor for each alleged debt they claim I owe.

Proof of Licensing and Bonding : I request that PORTFOLIO RECOVERY ASSOCIATES provide proof that they are licensed and bonded as required by law to engage in debt collection activities.

I expect PORTFOLIO RECOVERY ASSOCIATES to comply with these requests within the time frame prescribed by law. Failure to do so may result in further legal action to protect my rights as a consumer. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. Sincerely, XXXX XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I don't owe a XXXX XXXXXXXX to Portfolio Recovery Associates , LLC. Despite their persistent calls and threatening letters over the past few years, claiming to file a lawsuit, I've never had any outstanding debts with them. I want to lodge a complaint against their harassment tactics and false claims. This company 's actions violate consumer rights, and I request action be taken to shut them down. Shut down this company to protect the consumer like me and there are many which i see same problem from this comany.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

To : CFPB XXXX XXXX Columbus, OH XXXX ( XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX. Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX
Consumer complaint received 2017-04-28
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: TD BANK US HOLDING COMPANY (LA)

I noticed a hard inquiry on my credit report, I contacted the company Twice asking for the original documents containing my signature or any proof that i applied for financial assistance from their institution,,, they provided no documentation, ,and refused to remove the hard inquiry
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I attempted to deposit a check by mail to Capital One. Capital One does not display a mail-in address for check deposit, so I googled and found and address. I mailed my check there. My check was properly endorsed and annotated with " for deposit only '' with my account number. Instead of depositing my check or calling me, Capital One returned the check to the originator ( not me! ). The originator, XXXX, deposited the check against my account with them, without any direction from me. 

The check in question was for {$1100.00}, deposited XX/XX/2021, number XXXX. 

My complaint is that Capital One is making it difficult, if not impossible to deposit checks by mail and that XXXX deposited monies against my account without my permission.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX XXXX XXXX Equifax XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account NATIONAL CREDIT SYSTEMS acct # 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.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (NC)

On XX/XX/XXXX of this year my unemployment agency had requested a card from relai card/ US bank services for me to receive my unemployment benefits on. Online it states that the card should be received within 3-5 business days. On the 6th business day I called the company because I have yet to receive my card they told me that it will take 10 business days due. I said okay well on the 11th business I still havent received my card so I gave them a call back. During this time they told me my card was in the mail.On XX/XX/XXXX I contacted the company again on this day they told me my card hasnt processed and that they would issue me out another card which would be expedited shipped and I should receive it within one to twXXXX business days. Every time I called I got a different answer and no one can tell me why my card hasnt even been shipped. It is now XX/XX/XXXX almost a month later and I still dont have my card. I have bills
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc. (TX)

National Credit Systems has failed to validate my debt request. I sent a second request to this company XX/XX/XXXX ( attached with date and time stamp ). The company not only failed to provide the requested documentation, but they are trying to collect a debt that is past the statute of limitations in. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. This account was opened in XXXX of XXXX. This account and debt should have been ceased as of XX/XX/XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates ( which you have already done so ) after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I expect the following account to be deleted from my credit report within 7 days.
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX Verse XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX A XXXX XXXX XXXX Bank XXXX A 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 I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Some one has my social security number, my name & my home address. That person opened credit cards under my name at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, & some other credit companies. The total charges to one of these accounts around {$15000.00} for now. i already called these stores & they closed accounts & put on investigations. i already reported to police. I 'm so worried & scared what else he can do with my social security number. Please advise
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX reported me as having late payments. I disputed the info but XXXX XXXX was being bought out by XXXX, so nobody verified it correctly. I now have a letter stating the info is incorrect and the Transunion site is stuck on the submission page. I can not submit my dispute again to them. Furthermore, they 've repeatedly come back saying the info is accurate which is impossible. They have a history of doing this. I 've proved them wrong several times.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

1 ) My wife and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My wife and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my wife and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with XXXX b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) replies from XXXX XXXX and XXXX XXXX ) All we are asking is for the XXXX account to show a XXXX balance
Consumer complaint received 2015-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Trans Union keeps, maintains and reports fictitious information. I have contacted them 19 times. Have sent them all of the information they asked for 18 times and only keep getting more requests for the same personal info such as Birth certificate, utility bill, etc. 
I want this fictitious information removed.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I am disputing again for the investigation to be reprocessed. This was due to a data breach that resulted from I-9 files being compromised. I was not the person who made this transaction. Per credit acceptance I needed to submit proof of the data breach and new social security card that was part of the XXXX XXXX XXXX compensation package which I did and that evidence was not shown in the follow up to the original response # XXXX. I have a check from XXXX for reimbursement of the car ( before interest ) that was illegally taken out in my name from someone who used copies of identification and not the originals to purchase the car. This was a mutual agreement to prevent a lawsuit. Due to that situation a few weeks later the dealership has went out of business. I am attaching copies of the check, my new social security card that I had to obtain due to this as well as proof of the data breach. 

Credit acceptance stated all calls are monitored and recorded I would like a analysis done from calls coming from that account before XX/XX/2022 and copies to support my case if its needed to go to trial as well as trying to identify. 

XXXX XXXX XXXX XXXX is the address of the rent office that all packages, delivery drivers, XXXX and any other forms of 3rd party communication goes too.
Consumer complaint received 2019-02-23
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. (FL)

The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have disputed this several items requesting proof of my signature and the original contract which they fail to provide. I continue to receive the same response each time and within two weeks of each dispute which is " the account has been verified '' I demand proof of contract and signature or immediate removal from my credit file. Acct # XXXX
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is trying to collect {$350.00} which is more that what I owe to a daycare I enrolled my daughter in. A check I issued for under {$150.00} was returned but KAB is trying to collect for an entire week of daycare fees which my daughter was not there and did not check her in. I have my daughter at XXXX for only two weeks and was visiting for a short period of time over the summer which the daycare knew. Now they want to collect more money just because of a returned check I have offered to pay
Consumer complaint received 2019-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Blue Global Media, Inc. (CO)

Got a call saying I was approved for a loan with Eloan.com and they had my info so I thought it was legitimate. Then they had me go get XXXX on a XXXX XXXX card  to register. Then I had to get a XXXX XXXX XXXX card. 
Once they asked me to get XXXX on a XXXX XXXX card for loan insurance then I figured out I was being scammed. 
There numbers are XXXX and XXXX. 
I demanded my money back until I got on their nerves. I contacted the company ( Eloan ) they were pretending to be. Then I called the scammers back and the guy admitted to being a scam artist.