davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

To Whom This May Concern : Enhanced Recovery has placed a collection account on my credit report, as dated opened XX/XX/XXXX, original creditor - XXXX, Type - collection, first reported - XX/XX/XXXX, monthly payment - non reported, credit limit or original amount - {$1000.00}, high balance - not reported, recent balance - {$1000.00} as of XX/XX/XXXX, status - collection account {$1000.00} past due as of XX/XX/XXXX this account is scheduled to continue on record until XX/XX/XXXX, date of status - XX/XX/XXXX, payment history - collection as of XX/XX/XXXX, and account history - account balance {$1000.00}. I have no idea who Enhanced Recovery is, I never have had any contract obligations with them or XXXX, I have never received any notice, mail, phone contacts, or any method of contact from Enhanced Recovery or XXXX. Enhanced Recovery has validated Under the Fair Debt Collections Practices Act ( FDCPA ) Section 807 ( 8 ), in which failure to communicate debt, proof that I am indeed the party you are asking to pay this debt, validation of date debt originated, and proof that there is some contractual obligation which is binding on me to pay this debt. In addition any agreement between XXXX and Enhanced Recovery must be provided, documenting what grants Enhanced Recovery the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Penalties against XXXX XXXX XXXX XXXX. Enhanced Recovery has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the  third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Enhanced Recovery clearly has not. Please have account deleted from my credit reports ( XXXX, XXXX, XXXX ).
Consumer complaint received 2023-01-11
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. (VA)

according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : 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, any other adverse items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2017-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (NE)

My original order was shipped to the wrong address. The company promised to resend the gifts to my mother. I made payments on the account but months later I asked my mother about her hat and dress and she informed me that she never received the gifts. I immediately notified the company, demanded a refund of the payments I made, and closure of the account. Until I saw the documents submitted for validation, this is why originally I thought this was a result of unauthorized use. I knew I did not owe a balance because I did not receive any goods or services.
Consumer complaint received 2017-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These were not authorized
Consumer complaint received 2019-02-28
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. (UT)

XXXX XXXX is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.
Consumer complaint received 2024-02-29
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. (VA)

XXXX sharing old accounts with other Finance companies and credit reporting AGENCIES and will not fix the problem Name is not right on Credit Report XXXX XXXX XXXX not XXXX XXXX setting me up for someone to use my credit authorize using on my account and I call my company and they had to remove my credit reports needs to be clean up and no one is doing it they put o neg account but showing neg reporting old car account from XXXX still on reports I got a car in XXXX XXXX XXXX they got a removal date in XXXX XXXX XXXX  Equifax same thing XXXX the same thing will not update or making Changes old Inquiry old not updating payments I call all my creditors they report monthly not changes address duplicate more then XXXX time some address not right will not let me dispute it and it is now going into XXXX some of there said not changes in payment last reporting in XXXX not correct my credit report is so mess up I do not understand it I ask for all XXXX  report never receive them
Consumer complaint received 2022-11-18
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. (FL)

XXXX ( XXXX XXXX XXXX XXXX ) account # XXXX, ( {$1400.00} ) XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$420.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX ( {$1200.00} ) In reference to the above that these listed accounts be validated per pursuant to 15 USC 1692 et seq. of the Fair Debt Credit Collection Act ( EDCPA ). You have violated my health information privacy rights, and/or committed another violation of the Privacy Security or Breach Notification rules. I never gave permission to share my information with ANY third party, I am aware that HIPPA does allow limited information regarding me, but ONLY can be revealed with my written authorization. I did give any written authorization to release any information to my credit report.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I made phone calls on XXXX  occasions to get the information required, but tossed back and forth by different representatives. 

I sent them a fax regarding the requested document but still has not received any response.
Consumer complaint received 2023-01-11
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. (VA)

according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX, Account Name : 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, any other adverse items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2017-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

Is any way can resend me letter debt. So I can pay right way? I need to know why my credit score went down from XXXX? I have already paid this debt.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

I submitted a credit repair request to a company, but they still failed to respond within the XXXXday timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-01-21
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. (UT)

XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of XX/XX/2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.
Consumer complaint received 2021-08-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (MA)

I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with Ally Financial on XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction and given my knowledge of this, I was not expecting to receive bills. Shortly thereafter I started receiving bills which is a violation of 15 USC 1692b. In addition, the bills contained false and misleading information which is a violation of 15 USC 1692e, and bill contained abusive verbiage which is a violation of 15 USC 1692d. Also, at no point since entering this consumer credit transaction have I been advised of my right to rescind nor have I received any documents pertaining to such, which is a violation of 15 USC 1635.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (FL)

Called Calgary Portfolio to get information on an collections account that I supposedly have with them and was told that their company has no information on my account and referred me to XXXX XXXX XXXX XXXX XXXX XXXX. Made several attempts to contact XXXX XXXX XXXX XXXX XXXX XXXX and have had no success. Even though Calgary Portfolio says they have no information on my account, they continue to report me negatively on my credit reports. How is it that a company that no longer has access to my account be allowed to do that? This is an unseemly situation.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian will not allow me to freeze my credit report and will not specify a reason. Given the recent hack of XXXX, this is unbelievably frustrating. Additionally, the company will not provide a customer service number, so I am unable to speak with someone directly.
Consumer complaint received 2023-01-11
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. (OH)

These accounts are incorrect and are adversely affecting my livelihood. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (MO)

I got an installment loan from affirm. The item was supposed to shipped in 2-3 weeks. At week 4 I cancelled the order and got a full refund. In that time I was charged {$180.00}. I have never been refunded the additional funds. The website makes it impossible to talk to a human. The automated system does nothing and there is no simple contact page to send an email or call them.
Consumer complaint received 2017-09-17
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. (CA)

Equifax security breach exposed my social security number and account information which is sadly floating around on the web and will be for the rest of my life. 

I attempted to call equifax to place a 90 day fraud alert but could n't get through. I repeatedly tried, including the online service and was unable because of server problem.
Consumer complaint received 2017-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Clarkson Law Firm, LLC (SC)

We made an agreement but they had a change of address and moved and did not notify me. So I was still sending my money order to this scam company and now they send me a letter saying that I am going to jail because I did not pay. I called them an told them my mail was coming back to me that I mailed them and the man that answer the phone told me resend it and I did. Now they sent me a threaten letter saying I am going to jail due to non payments. The company is XXXX and XXXX phone number is XXXX.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

XXXX XXXXXXXX, XXXX Phones XXXX XXXX Boxes. Identity Theft Victim XXXX XXXX XXXX XXXX, Identity Theft Victim IRS XXXX XXXX XXXX XXXX XXXX Fraudulent Activity Filed In My Info, Also Social Security Has Been Compromised. 
XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX Stimulus Checks- XXXX
Consumer complaint received 2021-09-12
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. (TX)

I'm a victim of identity theft, all of my personal information was stolen and used in various states. I dispute a item that is not mines, each time it comes back as verified.
Consumer complaint received 2021-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (OH)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2020-07-13
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: Bread Financial Holdings, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

When I logged in to my Equifax account, I received a message to contact Equifax 's customer service as a result of my attempt to confirm whether my credit freeze had become effective. I called customer service on XXXX XXXX, 2017 at approximately XXXX XXXX, and was in their queue for just over three hours, which was twenty minutes after their customer service department closed down. During that time, in their recorded message, they had the nerve to try to cross-sell their products, and never mentioned that their customer service hours had ended. 

Considering the exposure this company has put me in, I would expect they would be more proactive in helping consumers, such as me, to make sure we are protected. Apparently they do not agree with me. I have never had to wait like this. Their solution is for me to submit something in writing and they would respond within 48 hours. As a senior, I 'm not willing to wait that amount of time while the confidentiality of my personal information has been compromised and being exposed to identity theft and fraud. 

They should be thoroughly investigated for their inadequate business practices and be held responsible for their actions ( and inactions ).
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Due to the recent security breach at Equifax, I attempted to take advantage of their very limited free credit freeze offer. When I submitted my information via the website, I received a message indicating that my credit report could not be frozen online and that I would have to submit a variety of sensitive documentation via mail in order to freeze it. 

However, it appears that the Equifax system DID indeed freeze my report. However, what the company did not do was provide me with the PIN number to subsequently unfreeze ( permanently or temporarily ) the report. Again, at the time I attempted to freeze my credit report online, I was informed by Equifax that the attempt was not successful and would have to be done by mail. 

Contacting Equifax now to have the PIN provided or reset has proven unsuccessful, and I was told by a representative that I would have to pay {$10.00} and provide sensitive information via mail to receive a replacement PIN. I am requesting that Equifax reset the PIN number for free, as this entire debacle is due to not one, but two failures entirely on their part.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nevada Credico, Inc. (CA)

I 've been trying to correct this problem with XXXX for some time now. This account was in my bankruptcy, and is named under both XXXX XXXX as the original Creditor and you Quantum collections. I ca n't see why it ca n't be straightened out by them, so im sending you the evidence. If you ca n't help me, I am requesting proof of this account under the fair credit reporting act which I 'm intitled to. This incident occurred when I had my first XXXX and I got it on my Bankruptcy. Not to mention the account is past the statute of limitations to be an open account.
Consumer complaint received 2021-03-26
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. (CA)

On XX/XX/2021 I received a letter from XXXX XXXX  stating that I closed my account balance was paid in full. This bank reached out to me offering a concession to pay this balance to XXXX. It was to eliminate the exuberant 29.99 % interest. The bank reported that i closed my account and the credit bureau dropped my FICO score 81+ points. They further reported a late payment for the Month of XX/XX/2021 which further reduced my score. The C/Bureau unfairly limits your ability to type alpha numeric text to XXXX characters and does not allow you to drop a PDF over 6mb which restricts your ability to efficiently and effectively communicate your dispute.