davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates LLC is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and PRA LLC is attempting to collect at least {$980.00}, a {$170.00} difference.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

Equifax is showing XXXX bankruptcy 's on my file that do not belong to me. I disputed the information and Equifax claims to have verified the information on XXXX/XXXX/2015. I 'm requestingthat Equilfax actually verifies that information so those items can be removed from my file.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me.

Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Therefore, these accounts should not be reported on my consumer report. 


This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. 

This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. 

Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2021-01-19
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. (NY)

There are so many inaccurate accounts reporting on my credit that I have no knowledge of and this is hurting me big time! I can't believe these companies will allow this activity and not even notify me and let it impact my score so much. I have sent multiple dispute letters over 60 days ago and I still haven't gotten a response. I don't this its fair for me to have my credit impacted by formation and accounts that I didn't authorize, I removed and this issue to be resolved asap along with at least a response from these companies. attached are my letters and pictures of my identity and address verification. please help me.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY AGRESSIVELY AND IN A VERY INSULTING MATTER ATTEMPTING TO COLLECT ON THE DEBT THAT I DO NOT OWE. I HAVE PAID THIS ACCOUNT OFF WITH XXXX BEFORE IT WENT INTO COLLECTIONS HOWEVER THEY ARE ATTEMPTING TO COLLECT, DISREGARDING MY NUMEROUS REQUESTS TO VALIDATE THIS ACCOUNT AND PROVING TO ME THAT THEY HAVE THE RIGHT PERSON AND RIGHT ACCOUNT. I KEEP GETTING AUTO/COMPUTER GENERATED LETTERS ONE AFTER ANOTHER, CALLS AND INAPPROPRIATE LANGUAGE IS BEING USED. I HAVE SENT THEM PROOF OF PAYMENT OF THIS ACCOUNT TO XXXX WHICH WAS IGNORED, AND I SENT THEM CEASE AND DESIST REQUEST TWICE WHICH WAS ALSO INGNORED. THIS IS UNACCEPTABLE AND MUST BE STOPPED
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (PA)

Residential Credit Solutions wants me to pay {$1200.00} in attorney ; s fees that I do not owe them. Our account is current and we do not owe them anything. Please read the information attached and it will explain everything.
Consumer complaint received 2024-02-08
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. (FL)

As a consumer and natural person am a victim of identity theft. XXXX, Equifax, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Equifax, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, Equifax, and XXXX are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

IC system is reporting a debt on my credit report after I explained to them its not my debt. They told me if I paid it they would delete it. I paid them and it is still reporting on my credit report after paying it after they agreed to delete it after paying.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update these following accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX  XXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ;
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Debt Recovery Specialists (WA)

Got a call from drs in XXXX, wa from a XXXX called back because I missed the callShe threatened that id be arrested over a debt because writing a bad check is illegal. Plus I notified the company that in XXXX proceedings ex was awarded bills and house. There is a restraining order in effect and my ex gave them my grandmothers phone number. 
These people are violent when they talk. They keep repeating that you 'll be prosecuted and jailed for the debt.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 or 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 data is inaccurate.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

My issue is my loan servicer Litton Loan Servicing LP, fraudulently serviced my account for years, from the XXXX 's up through XXXX when they were bought out by Ocwen Mortgage. This transaction took place in XX/XX/XXXX, I then noticed in XXXX of XXXX, 4 months later, that the amount of {$72000.00} had been added to my account as a " DEFERRED ACCOUNT BALANCE '', along with an inflated regular balance. As of right now, along with the deferred balance of {$72000.00}, my regular balance is at {$82000.00}, for a total of {$150000.00}. That's after paying on a {$110000.00} balance for XXXX  YEARS XXXX  months!!! So I have no been passed from Litton Loan servicing where the problem began, to Ocwen, to PHH Mortgage/NewRez who I have been making my payment s to now. Without a doubt, this property should be very close to being paid for by now!!! NOT A BALANCE OF {$150000.00}!!! Have even hired a couple of attorneys to look into this and all they did was take my money and did nothing. Been working on this issue with no help for over 10 years now. This is one of the places XXXX at the Attorney XXXX office told me to contact. Any help you could give me in resolving this matter would be deeply appreciated!! Thank you, XXXX XXXX
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC (NV)

I am in no way trying to get out of paying a bill. However ; being harrassed and belittled by a company is not ok. Multiple calls to family every day. I am trying to be pro-active, but XXXX XXXX and XXXX will not provide information until a threat to report them gets the job done. 

Most recent- XXXX Received a text to call- I called company and informed the agent on a recorded line that i have been requesting the statement on my account. I am not willing to pay when i have no idea how much i even owe at this time. I finally received a letter. Not even 3 hours after I finally receive the letter i received another 2 calls. 
XXXX calls came in at XXXX and XXXX Voicemails : ALL SAVED ON MY PHONE XXXX XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX XXXX left voicemail ( XXXX XXXX XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX voicemail ( XXXX ) XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX left voicemail ( XXXX ) How do they expect us to stop everything. I received the letter after many attempts on XX/XX/2022 at XXXX. Received 2 more calls after advising send me the letter so i can make a payment. 

XXXX When does calling become harassment? 5 voicemails on Monday. I spoke to you today and yet another 3 calls since have come in? 
XXXX XXXX We aren't harassing you. Calling is part of our job. 

I have several email requests asking for my statement so that i can make a payment. Their site does not allow us to view what we are paying, what is owed or anything else. 

I have all the emails saved and phone voicemails saved. This is all just from the XXXX of XXXX. I believe that only one voicemail a day was allowed to be left.
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ACI Worldwide, Corp. (AR)

XXXX sold thier express pay business in 2019 to aci, aci has furnish everything but money tranfer numbers to finish claims at XXXX for {$XXXX}. see atttached pay us {$XXXX} to face litigation
Consumer complaint received 2024-02-08
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. (TX)

This consumer reporting agency Equifax is in violation of 15USC 1681a ( 5 ) for furnishing data that is inaccurate, incomplete and unverifiable on my report. I obtained a copy of my Equifax report and notice 4 accounts with inaccurate data that violate the following sections of the LAW : 15USC 1681 ( B ), 15USC 6802 ( B ), 15USC 1666 ( b ), 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1692 ( g ). This agency failed to conduct a proper investigation and provide an original signed consumer agreement between me and each person or company, where I gave them written authorization or permissible purpose to contact this agency to furnish an account using my nonpublic personal information as per 15USC 1681 ( B ). This agency also failed to provide me with all three of my privacy disclosures ( a-c ) that each person or company allegedly disclosed to me before contacting Equifax with my nonpublic personal information as per 15USC 6802 ( B ). This agency also failed to provide me with each original statement that each person or company sent out 21 days before each late transaction was reported as per 15USC 1666 ( b ) in which, any transaction reported is a violation of 15USC1681 ( 2 ) ( a ) ( i ) where congress clearly states that all transactions or experiences to any person are EXCLUDED from my consumer report. Equifax knowingly and willingly violated several laws and according to 15USC1681 ( e ), it is their obligation to ensure maximum accuracy of the information that is getting reported on a consumer report. Due to these violations and the data being a direct result of identity theft, the consumer reporting agency, Equifax must remove the XXXX inaccurate and incomplete accounts listed in my notice sent to them on XXXX or face legal action for noncompliance.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CO)

I would like to file a formal complaint against the credit card issuer Synchrony. I am XXXX years old and had an XXXX. I could n't work and fell a little behind, not even 30 days on my care credit and j.c. Penney accounts I hav still been sending in money and they hav been calling me harrassing me early in the morning late at night XXXX, Sunday morning and sometimes 5 or 6 times a day I am now catching up on the payments and I am the one that has to pay their terrible late and over refit limit payments, not them so I think it is total harrassment to call me a zillion XXXX a day I so loved hearing that phone ring constantly when I was as sick as a dog. I am ripping up these cards and paying them off, they 've by far the worst credit card company I hav ever dealt with. Than you XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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. (WV)

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 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 2022-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (AL)

Payliance and XXXX  XXXX credit card have recieved my police reports i sent them along with a copy of my drivers license but they say im still responsible for a returned check and an outstanding balance i did not right in XXXX of 2021. I sent them multiple police reports and its still showing on my credit report!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-01-19
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. (NY)

There are so many inaccurate accounts reporting on my credit that I have no knowledge of and this is hurting me big time! I can't believe these companies will allow this activity and not even notify me and let it impact my score so much. I have sent multiple dispute letters over 60 days ago and I still haven't gotten a response. I don't this its fair for me to have my credit impacted by formation and accounts that I didn't authorize, I removed and this issue to be resolved asap along with at least a response from these companies. attached are my letters and pictures of my identity and address verification. please help me.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is a formal complaint against Equifax who is consciously and voluntarily reporting false information on my credit report. 
I contacted Equifax 's customer support to inquire about unauthorized inquires on my credit report. During the conversation, I provided the Equifax representative with the official government-document Federal Trade Commission XXXX FTC ) report, which I had obtained regarding my credit history. 

To my surprise and concern, the Equifax representative claimed that the FTC report I presented was not a valid document. It is my understanding that the FTC is a federal agency entrusted with protecting consumers and maintaining fair and competitive business practices. As such, I question the authority Equifax has to dismiss an official government-provided document as invalid. This disregard for an authoritative government resource raises serious concerns about the accuracy and integrity of Equifax 's credit reporting practices as well as their knowledge and adherence to consumer rights and regulations. 

I believe that Equifax 's statement regarding the invalidity of the FTC report is not only misleading but also undermines the credibility of consumer rights established by the government. The actions of Equifax 's representative demonstrate a lack of professionalism and potentially highlight a systemic issue within the organization. 

Therefore, I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. I urge you to hold Equifax accountable for its representation of the FTC report as invalid and determine the level of authority Equifax has to make such claims. Furthermore, I expect appropriate corrective actions to be taken to ensure that Equifax operates within the confines of consumer protection regulations and respects official government documents provided by consumers. 

Please find enclosed copies of the correspondence with the Equifax representative, including the FTC report in question, to support my complaint.