davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. I sent a letter by certified mail on XX/XX/XXXX, requesting documentation bearing my signature as proof that I had any obligation to pay this party. I received a copy of a letter from the original creditor ( dated XX/XX/XXXX ), which I do not recall ever receiving prior to this. I sent a second letter by certified mail on XX/XX/XXXX, disputing any obligation and received a second letter from them requesting identifying information ( dated XX/XX/XXXX ). I complied with their request and was sent a 21-page update ( dated XX/XX/XXXX ) in which they again failed to address my inquiry ( see pages 1-3, 5 and 11 [ stating the account was charged off ] ). I researched and found that the collection agency is required to report that the debt was in dispute, but they did not. I also learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. I am filing a separate complaint for the manner in which my proposal for settlement was handled but wanted to make you and other consumers aware of their tactics that violate my rights under the FCRA.
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

On discovery of a collection on my credit file, I wrote to LVNV to inquire about the validity of the debt. 

After several cycles of correspondence, I learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. Attached is a copy of the settlement proposal ( in which I offer to pay 100 % ) sent by certified mail on XX/XX/XXXX. I received an irrelevant response ( also attached ). 

According to the FDCPA, I am entitled to have my correspondence and attempts to address any debt issues reviewed and then receive a response. The response provided by LVNV is inappropriate, as it does not acknowledge my settlement proposal. I question whether or not my letter was even reviewed.
Consumer complaint received 2023-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

This letter is regarding account 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 which you claim my account is chargeoff. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. 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 be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; 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 letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is 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.
Consumer complaint received 2023-02-07
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. (IL)

On XX/XX/2022 I submitted an affidavit of truth regarding XXXX XXXX XXXX  furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from XXXX XXXX stating that the credit reporting is accurate. 
I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.
Consumer complaint received 2019-02-17
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: Credit Karma (PA)

I use Credit Karma to monitor credit activity on my accounts. Recently, I have received 2 unknown/unsolicited Hard Inquiries, one on XX/XX/XXXX ( XXXX, XXXX, CO ) and another on XX/XX/XXXX ( XXXX, XXXX, FL ). Please see attached for contact details of these institutions.
Consumer complaint received 2023-02-07
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (CA)

Ameritech Financial bought my student loans from XXXX, XXXX, XXXX, XXXX, and XXXX XXXX in XX/XX/XXXX. I made payments each month until XX/XX/XXXX. At that point, I received a letter from the Federal Trade Commission that my payments to Ameritech were not paid towards my student loans, but in fact stolen. There is a lawsuit pending, and I am concerned about getting my money paid correctly toward my student loans.
Consumer complaint received 2019-02-17
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. (CO)

I have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed on my credit report
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Southwest Credit Systems, L.P. (TX)

I was incarcerated at the Texas Department Of XXXX XXXX in XX/XX/2022 and was taken by ambulance to the hospital. I was billed for these services while under the care of the state. I had a pre existing injury called chronic XXXX. On my credit report is the company ..Five star emergency PHYSICIAN. Complaint was opened XX/XX/2022 and I was incarcerated XXXX of XXXX until XX/XX/2022 XXXX
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (CA)

In XXXX I opened a prepaid/secured c/card with XXXX XXXX XXXX, deposited {$500.00} dollars. Had excellent payment history. In XXXX, I asked the bank to cancel/close my credit card account and return my deposit. My multiple calls, emails, formal requests were ignored, my account has never been closed. I complained to the OCC 's office and Attorney General Consumer Fraud division. The XXXX XXXX XXXXXXXX took adverse action and retaliated against. Subsequently my account was impacted by bogus, fraudulent late charges, was escalated to their collection agency, which adversly affected my credit score. In XXXX and XXXX when I was out of Country due to emergencies, the XXXX XXXX XXXXXXXX was even contacted from overseas, I incurred long distance/international calls charges. I can prove by my phone bill my countless long distance calls made to the creditor. The bank took advantage of my absence from country due to my medical emergency and never closed nor cancelled my card. As a result of that bureaucratic runaround, scam and consumer financial fraud, my account incurred bogus late charges, with derrogatory remarks and default status, resulting in harsh impact to my credit rating. My credit score was crashed because the XXXX XXXX XXXXXXXX took adverse action, retaliated against me in response to my formal complaint filed with the federal agencies in charge. I was denied loans or other credit cards only because of this harsh impact on my credit file, since the creditor reported my account status as negative/charge off. I retained a lawyer only for legal communication with the creditor. Upon receipt of the legal letter, I received a call from the XXXX XXXX XXXXXXXX Executive office and was promised an immediate deletion/removal of the negative reporting from all three ( 3 ) credit reporting bureaus. I was cheated, scammed and defrauded. The same false negative/derrogatory status reappears in my credit file. As a victim of financial fraud and predatory lending, I would contact all media channels, FBI, Federal Reserve Board if your office would fail to enforce the laws and regulations to protect my rights as a consumer and victim of financial fraud by the bank. See attached legal letter.
Consumer complaint received 2023-02-07
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: Innovate Managed Holdings, LLC (FL)

Dear XXXX, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/2022, Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, Florida.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

There should be XXXX reference number but I was informed there are XXXX reference numbers connected to this alleged account. Tampering with original content from the alleged account is unacceptable and misleading to the accuser. 
It is referenced that I gave written instruction to the original creditor when I first opened the account to the original creditor. 
Where is the original account with my signature so I can view it for myself?? 
This is hearsay and validation has not been provided. 
I continue to request validation of this account and I have yet to receive it. 

Furthermore this alleged account has already been deleted from my credit file through XXXX. 

As I looked further, I see the other XXXX credit reporting agencies are still reporting the alleged account. 
The reason they are still being reported on the other XXXX is because the " month and year this item will be removed '' date is inconsistent. The information should be the same across all three major credit reporting agencies but it is not. This alleged account should be removed immediately due to inaccurate reporting and what seems to be considered re-aging the account. 
XXXX has not validated this alleged account and can not continue to report inaccurate and inconsistent information. 
I am submitting exhibits to show that XXXX did not report accurately and consistently. 
You will also see " terms frequency '' is inconsistent between the XXXX major reporting agencies. 
The " loan type '' is inconsistent. 
I see that this alleged account is being reported as closed and as a collection across all XXXX major credit reporting agencies. It should report the same all across the agencies. 
I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported. 

I am requesting that XXXX be removed from the XXXX remaining major credit reporting agencies immediately!
Consumer complaint received 2023-02-07
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: ALLY FINANCIAL INC. (CA)

I already have asked this company to stop reporting activity on this charge off and provide a copy of the 1099C cancellation of debt form that they filed with the IRS, I have asked OlloXXXX to stop reporting it, cause according to IRS the 1099c becomes gross income not debt. That's reporting inaccurate and unfair, but they seem to not care about any compliance of the FCRA law. these are the violations they have incur.

15 U.S. Code 1681 ( a ) ( 4 ) Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting.

( 4 ) 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.

According to 15 U.S. Code 6801 ( a ) ( b ) Protection of nonpublic personal information 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) Obligations with respect to disclosures of personal information
Consumer complaint received 2019-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX//19, I posted on XXXX looking to buy tickets for a concert in XXXX, TX. I received a direct message from XXXX user @ XXXX saying he had tickets and to name a price. I offered him {$40.00} USD and he accepted. I initially asked if he had XXXX but he said no, and told me to send the payment through PayPal instead. I sent {$40.00} USD to XXXX and since the payment was not instant, he asked me to send the payment again. I asked for a refund of my original transaction and a screenshot for proof. He provided the screenshot of the processing refund and said it would be available in 1-3 business days. 

When I tried to send {$40.00} USD a second time, the PayPal website started glitching so he told me to use the mobile app instead. I downloaded the app and when I went to start the second transaction, PayPal informed me that the recipient would be receiving the payment in XXXX XXXX dollar ( NZD ) which is suspicious considering the concert I plan to attend is in the United States. I told him I was no longer comfortable making the transaction to which he responded : " oh its because my paypals a business paypal lol i have a lot of currencies on it ''. I told him that this was sketchy and I was no longer interested, and he proceeded to block me on XXXX.
Consumer complaint received 2019-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

I checked my account balance on XX/XX/19 and my total payoff amount was {$6500.00}. Then I checked it again today and the balance went up to {$6500.00}. This is infuriating. I feel this is criminal activity and I demand to know what is going on. By the way I also just made my payment today as well XX/XX/19. I emailed XXXX XXXX XXXX to find out what is going on and have not heard back. These people are crooks and they will do anything and everything to get your money. They have no problem partaking in illegal activity it seems. BUYER BEWARE ... ..DO NOT FINANCE THROUGH XXXX XXXX XXXX ... ..AKA ( WORLD OMNI FINANCIAL ). if there are any current class action lawsuits against Toyota for this type of thing I will certainly be taking part.
Consumer complaint received 2019-02-17
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. (FL)

Hello on XX/XX/2019, I was alerted by My Fico credit monitoring service that someone authorized an inquiry on my Experian report. I did not authorize this. I would like this removed as soon as possible. it was with XXXX on XX/XX/2019. I would like this resolved as quick as possible. there address is XXXX XXXX   XXXX XXXX XXXX XXXX, MN XXXX contact is XXXX. Thank you.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$4100.00} Company : XXXX XXXX XXXXXXXX Account # :XXXX Date Open:XXXX Balance : {$1500.00} Company : XXXX Account # :XXXX Date Open:XXXX Balance : {$3700.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$960.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX XXXX # : XXXX Date Open:XXXX Balance : {$5200.00}
Consumer complaint received 2019-03-09
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. (MI)

I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a recent victim of a data breach, and I am requesting the immediate blocking and deletion of certain accounts and inquiries listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of these items to prevent any further unauthorized access or potential misuse of my personal information. 
Accounts to Be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX