davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: A & O Recovery Solutions, LLC (GA)

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!
Consumer complaint received 2021-01-21
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: Regional Management Corporation (TX)

Over 1 year ago and 30 days ago, I sent a letter. Regional Finance XXXX XXXX XXXX XXXX XXXX, SC XXXX account # XXXX they have been reporting on XXXX  and XXXX  that I have an account with them that was charged off. I have never owned or asked for any loan with this company. I have repeatedly asked for XXXX and XXXX to remove it and it comes back as verified as accurate, which is not. I also sent them a letter, but they never responded.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (MI)

XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-05-15
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: Navient Solutions, LLC. (CA)

Last month my credit dropped nearly 146 points after navient incorrectly reported a damaging 120 days despite the two months before and after being paid as agreed. This is for a loan that was never used send money that was never taken for school. Navient and XXXX  consumer reports disconnected information isn't it possible for me to bring residence finance I do anything else that could be available to me. Despite the fact that there's a pandemic and it goes fire and after were forgiven by the federal government 's XXXX continue to show 120 days late from growing
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

I ask wells Fargo bank to lower the interest rate on the car loan that I got on a XXXX  XXXX XXXX I only owe {$5000.00} left to pay it off but having trouble with money issues so the bank said to me just finish paying it off that there not going to help me on it so how do I go about that cause that is the only vehicle I have to take me to my doctors appointments and to get my medication so how do I go about this issue
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp. (WA)

I contacted the agency Armada Corporation, to settle the debt, they have listed as {$1300.00}, that they reported today. They said I would need {$3500.00}. To pay it off. Those are very different amounts. The debt is also almost at it 's 7 year statue of limitations so they tried to make me make a smaller payment so they can continue the collection proceedings. I am willing to settle the debt for the actual amount of {$1300.00}. But they are n't. I need help. I appreciate your time and consideration on this!
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

I am receiving debt collection emails from this company in which i did not sign a contract with. I would like any and all collection efforts to stop and engage a cease and desist from this day forward. According to15 USC 1692 are you familiar with that law? You obtained my information illegally which is a direct violation of my rights. I have not signed a contract with you guys or XXXX XXXX XXXX.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (OR)

This number has called nearly every day since I got my new phone. I have about 10 five second voicemails from them, all silent. I've answered once and they asked for someone named XXXX. I told them it isn't me but they still call every day. They're obviously looking for someone else, yet apparently don't believe it's not me. I've had this new number for all of two weeks.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (LA)

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ Jefferson Capital System ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ Jefferson Capital System ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ Jefferson Capital System ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

After multiple attempts of certified mailed letters asking to validate the actual accounting of said debt, they have insisted on only sending me an obligation of debt and nothing more. Previous complaints made to CFPB can explain the issue at hand. But most recently PRA group responded to a CFPB complaint by saying that theyve opened an investigation into the complaint, ceased communication with the consumer, and notified the consumer reporting agencies of the dispute. I can Confirm that this is in fact False and a violation of 15 USC 1692 ( c ). I have Attached with this complaint, another letter that was sent AFTER ( XX/XX/year> ) their response to a previous complaint ( XX/XX/year> ) where they stated they would cease communication until this investigation was resolved. Furthermore, this letter clearly states that this is not an attempt to collect a debt yet they keep reporting negative items to my consumer report. This is yet another violation of 17 CFR 240.15c1-2 Fraud & Misrepresentation. If they can not produce the Validation of debt, if they are not attempting to collect the debt, and if they persist on harassing me for a debt that has previously been discharged by the bank they purchased it fromwhy are they allowed to continue to destroy my livelihood via my consumer report? Their unprecedented negligence & fraud has led to a complete destruction of my quality of life and they must be held accountable.
Consumer complaint received 2024-03-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (AL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Violations by Portfolio Recovery Associates Dear Sir/Madam, I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA ) for numerous violations of the Fair Credit Reporting Act ( FCRA ) in their reporting to the XXXX major credit bureaus. Attached to this letter are supporting documents detailing the egregious inaccuracies in PRA 's reporting, as well as contradictory statements made by PRA in response to the previous complaint filed with your office ( Complaint # XXXX ). 

The violations committed by PRA are as follows : Blatant Inaccuracies in Reporting : -PRA reported the account type as an " Open Account '' to the credit bureaus, which is inaccurate. Collections should be reported as " Collection, '' not " Open Account. '' -The payment status was reported as " Late 120 Days, '' whereas it should have been reported as " Collection/Chargeoff. '' -Payment history inaccuracies include reporting on-time payments in XXXX of the last 24 months, with XX/XX/XXXX marked as a 120-day late payment, despite on-time payments made before and after XX/XX/XXXX. This inconsistency is both inaccurate and absurd. 

Contradictions in PRA 's Admission : -PRA asserts this account was opened on XX/XX/XXXX, however, the data furnished by PRA to the credit bureaus alleges the account was opened on XX/XX/XXXX. In complaint # XXXX, PRA admits it purchased the account " on or about XX/XX/XXXX. '' The guidelines of the FCRA clearly specify accuracy, not estimation. Furthermore, the information furnished does not align with the information provided by the original creditor to PRA. In addition to this being misleading, I never opened an account, nor signed any contract with PRA. 

-Despite my request for a copy of the purchase agreement to verify the information furnished to the consumer reporting agencies, PRA only provided outdated statements from the original creditor, XXXX XXXX. 
Violation of 15 USC 1681i : Procedure in Case of Disputed Accuracy : Using the evidence provided, along with PRA 's own admissions, it is evident that PRA has violated the FCRA, particularly 15 USC 1681i, by failing to ensure the accuracy of the information furnished to the credit bureaus. 
I sternly request that the account ending in XXXX be deleted from all consumer reporting agencies immediately, as required by law. Additionally, I urge the Consumer Financial Protection Bureau to thoroughly investigate PRA 's practices to ensure compliance with federal regulations and to prevent further harm to consumers. 

Thank you for your prompt attention to this matter. I look forward to your swift action and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ), states I have the right to privacy, XXXX XXXX XXXX, Section XXXX XXXX, also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. Lastly, XXXX XXXX XXXX XXXX ( a ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collect. Please send a a copy of the original contract between myself and the original creditor. The original application for this account with my signature. I didn't open an account with you or your company.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES RE : Trafficking Block Request Case # XXXX : Human Trafficking Case # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I, XXXX XXXX XXXX  ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of Trafficking ) Do hereby attest that I am a victim of trafficking for purposes of section 605C of the Fair Credit Reporting Act This statement.- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Coming from this number XXXX They want be to call them, but I did not. 

This is the text I received You have been Billed {$190.00} at XXXX XXXX XXXX { ZELLE } -has been processed successfully. If not done by you please call XXXX immediately.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted 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 2018-01-31
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. (GA)

Hello All, Experian Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX