davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am dealing with the company Portfolio Recovery Associates. They are attempting to collect on a debt that is not mine. I sent them a letter for VALIDATION asking for proof that I have a contract bearing my signature with their company.as I also asked them for documents to show what the money they say I owed them was for, how they calculated that amount. I asked for any and all evidence that they can provide. 



I asked for a validation with specific questions pertaining to validation, they did not respond to my letter as. I politely asked. They are reporting a fraudulent tradeline on my credit report that is impacting me severely during this Covid 19 epidemic. I am providing all documents to support my complaint. 

Portfolio Recovery Associates, LLC is a very nasty company that preys on hard working Americans and should be ashamed of the terrible things they are constantly doing to good citizens.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: The Bureaus, Inc. (IL)

Received a phone call from XXXX XXXX XXXX XXXX Collection Agency re : an account for Bureaus Investment Group Portfolio No 15, LLC for Merchant Credit Card @ XXXX ( Last 4 Digits on card- XXXX ). Fast # XXXX and balance is {$830.00}. After I explain to the representative that I am a victim of identity theft and have NEVER applied for or open a charge card w/XXXX XXXX. He took my information and sent me a FRAUD PACKET and details regarding the fraudulent charges. I filled out affidavit and provided all requested detail : police report, current gov't id ( license ), etc. 
Again, the card and charges are not mine, and I would like the account flagged as fraudulent and my name cleared. Also, this credit should be CLOSED OUT w/XXXX XXXX AND FLAG AS IDENTITY THEFT. 

Note, the address for statement states XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX - I have NEVER lived in Arizona ( See attachment. )
Consumer complaint received 2020-07-07
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. (MS)

I paid off my entire balance of {$310.00} with XXXX XXXX XXXX. The last payment I made was for the amount of {$1.00} on XX/XX/2020. However, Equifax has yet to update my balance to {$0.00}. It is now XX/XX/2020. I have called Equifax and they have not updated my credit report to reflect the {$0.00} balance. Equifax had me to dispute which I have done and the disputes always come back as my creditor reporting that everything is accurate. I have never skipped/missed a payment nor have I ever been late with any of my payments nor with any creditors. Furthermore, both XXXX  and XXXX  both have timely updated my credit report to reflect the {$0.00} balance and other on time payments made with other creditors. As a result of of Equifax 's actions my credit score has resulted in a minute increase to my credit score. Equifax also told me to contact my credit, XXXX XXXX XXXX, which I did. I was told by XXXX XXXX XXXX  that my balance indeed shows that {$0.00} and the entire balance was paid in full. I was also told by XXXX XXXX XXXX that they are not sure why Equifax is not updating consumers updated balances. In addition, XXXX XXXX XXXX stated to me that I wasn't the only one complaining and that other customers of theirs were also complaining to them about Equifax. XXXX XXXX XXXX  said that the only advice that he could give me was to give it some time. However, Equifax has not reported any further monthly on time payments with XXXX XXXX XXXX. I have made on time monthly payments continually. ( I last contacted XXXX XXXX XXXX  concerning my complaint with Equifax on Thursday, XX/XX/2020. I also contacted by phone Equifax on XX/XX/2020 concerning my complaint/ balance issue. I also informed them that I have since done disputes on their website with them to no avail. Equifax asked me to submit a copy of my license and social security card again to them. I refused due to me answering all of their security questions correctly and identifying myself with correctly with my most personal information. Not only that, I also already submitted this information to them previously by fax. I should not have to keep doing that. I personally feel as though I am having to prove who I am by disclosing my person information over and over. It is not fair for me to jump through hoops for them because they refuse to take care of what they should take care of on their end. All they need to do is that simply update my balance to {$0.00} and increase my credit score as they should have done. It is not right and they are clearly are in violation. Their practices not only affect me in a negative light with other potential creditors but also affect customers who expect them to be ethical in their practices. Thank you and have a great day. Take care.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. As my earnest pleas for resolution regarding the inaccuracies plaguing my credit report seem ignored. I want to underscore that I am not just a statistic but a victim of identity theft, demanding immediate and resolute action. According to FCRA Section 605b, you are obligated to swiftly remove/block any account listed on an identity theft report. Enclosed are the necessary documents for expeditious action. The accounts in question, including 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, demand your immediate attention. FCRA Section 605B ( a ) mandates Experian to block such information within 4 business days. Immediate and unwavering compliance is not just expected ; it is demanded for the rectification of these rampant errors.
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (TX)

Company is reporting the debt to the credit reporting agencies as a new debt XX/XX/202 but bill was from XX/XX/2014. The bill that the company sent states current patient responsibility is {$0.00} but they are reporting amount owed as {$200.00}. I have asked for the debt to be deleted from all credit reporting agencies.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Specialty Service Inc (CA)

I am being charged for a vehicle tow and storage on a vehicle that was sold two months prior to said tow. I have supplied evidence to this fact to the company repetitively and they still keep trying to collect from me a debt I do not owe.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

i took this loan out in 2009 for {$9000.00} it has been transferred to three different lenders since then.The interest rates are so high.even when it its deferment or forbearance. teh monthly payments are not affordable.my loan is now at a little under {$15000.00}
Consumer complaint received 2016-11-01
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC (GA)

This company ( Ability Recovery Services ) uses scare tactics to recover money that i do not owe and reports it every few months as a new loan. Ive asked numerous amounts of times for documents they threaten they have to be sent to me and im flat out told no.
Consumer complaint received 2015-06-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo bank is reordering payments to increase amount of overdraft fees they can charge. I wrote a check for XXXX to pay for the rent and deposit on a new place that was written on XXXX/XXXX/15 but was n't deposited until XXXX. I had XXXX payments that cleared before the overdraft hit my account that processed on XXXX and XXXX. Wells Fargo reordered the checks so the check was processed before the payments increasing my over draft fees from XXXX to XXXX plus the amounts of the payments they had already processed.
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

Re : Acct # XXXX, XXXX To Whom It May Concern : This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that my claim is disputed.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you 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. -- The term ''breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 15 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023 I sent a dispute to Experian credit bureau in this dispute, I challenged the following inaccurate, incomplete, and unverifiable data that has been placed on my consumer report. XXXX XXXX XXXX XXXX account no : XXXX and and XXXX XXXX XXXX XXXX account no : XXXX The following accounts are a result of Identity thief, I contacted Experian, I provided the following documents an Identity thief report, a XXXX XXXX Police report , along with other documents that proved that I was a victim of Identity thief. These accounts were then deleted by Experian, 30 day later without notification these account were reinserted violating the FRCA 611 15 USC 1681 i that states ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or it if authorized by the consumer for that purpose, by any other means available to the agency. Experian is also in violation of FCRA 611 15 USC 1681 i ( B ) Certification of Accuracy of information of previously deleted material. Experian is indirect violation of the FCRA 611 15 USC 1681 i and Federal law, I never received a notice in writing or any other way they had 5 business days to do so and they failed to do so, causing my credit score to drop causing me harm, I am enclosing a document from EXPERIAN were they state that they did delete these accounts and then rescinded, I demand that these accounts be deleted because EXPERIAN failed to INFORM ME IN WRITING NOT LATER THAN 5 DAYS, of the reinsertion furthermore they never furnished me a copy of the certification of accuracy of information. from them or the creditor.
Consumer complaint received 2022-08-15
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: Cascade CISS Holdings, LLC (GA)

To whom it may concern : On XX/XX/2022, an unknown entity - XXXX  ( Miscellaneous ), ran my credit without my consent. 

Please remove, this unauthorized information from my credit. 

Thanks!
Consumer complaint received 2021-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (AL)

To start with I had {$870.00} in my checking account. 
I had received a voicemail from a XXXX XXXX, phone # XXXX, his employee # XXXX, in supposedly, XXXX XXXX, CA. He said headquarters in XXXX, XXXX for his company of Light Stream, a division of SunTrust Bank. He stated I could get a loan up to {$9000.00}. He already had some of my personal information, such as my phone number to leave me the message about a loan. Since he stated he was with Light Stream, I assumed it was legitimate. To process the loan he stated he needed to deposit {$980.00} into my checking account to make sure my information was correct, then he wanted me to transfer {$950.00}, by way of XXXX transfer, to him ( but the name was XXXX XXXX that was shown ). Then he deposited the {$980.00} back to my account, supposedly paying me back. Then he stated I needed to go to a store and get a prepaid debit card for the {$980.00} and call him the card number. That is when I got really suspicious. I told him I did not have a way to a store at that time. He wanted me to call a taxi or somebody to take me. I told him I would call him back after I got to the store. But instead I called my bank and the bank was calling me at the same time. They said my account was looking suspicious, so I told them to lock it. I did not get a prepaid card, but they got me for {$870.00} and so my account is in the RED now. So I have been SCAMMED much to my own fault and not realizing it. I hope these scammers get caught and not hurt anyone else.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (NY)

My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX, I contacted fastunsecured.com around XX/XX/XXXX for help in cleaning up credit, at the time they said I would need about XXXX ( I did n't have ) for them do do any work on my credit. They said they might be able to help me get the funds for them to do the credit repair work. They ended up applying to a bunch of credit card companies on my behalf ; Like XXXX express, XXXX ... I 'm not sure how many in all might have been XXXX or more companies. I received not XXXX single approval form any of the companies they applied to. XXXX now want me to pay them {$11000.00}, they have turned my so called account they claim I have over to XXXX XXXX XXXX XXXX, a collections company ... XXXX has now further damaged my credit report by placing this Scam {$11000.00} on my report. XXXX claim that because I did not forward to them all the denial response I received from the numerous companies they applied to, I owe them this obscured {$11000.00}. I want/need this company to remove their garbage collection from all XXXX of my credit reports now. Like I said I just got my bankruptcy XXXX and I am trying to get my life together I do not have time or energy to be dealing with this nonsense from them. So please help me.
Consumer complaint received 2021-02-24
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: NAVY FEDERAL CREDIT UNION (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I havent received any investigation results.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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. (CA)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (WA)

I settled an old account approximately 2 yrs ago with CONNs and they continue to report that I owe money to the credit bureaus. Ive hired a third party to help get this removed. Ive worked with the recovery department and they say theyre working on it and that theyll get back with me, and they never do. They say the account was transferred to a collection agency called XXXX. I settled the account, but it is Conns who continues to report to the credit bureaus. 
Ive missed out on multiple financial opportunities because of this inaccurate information
Consumer complaint received 2020-12-07
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: Experian Information Solutions Inc. (OH)

I was denied a loan do to inaccurate information on my credit report that I have disputed year agoXX/XX/XXXX# XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No.XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.