davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am writing to dispute the validity of four accounts that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The accounts in question are as follows : 1XXXX XXXX XXXX 2.Portfolio Recovery As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 
2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights.

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (VA)

4 times have disputed inaccurate reporting of information to my Credit Bureau, never received any notification or documentation that a medical debt for an insured child was in collections from XXXX by DRS who is the one trying to collect the alleged amount owed of {$680.00}. The Collections agency is reporting that I opened an account in XXXX of XXXX and have been late since which has drastically effected my ability to obtain credit and falsely reported it does not report it is a medical debt and shows as an installment loan.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (CA)

Multiple complaints to Equifax in regards to an account that is not mine, FTC, affidavit and theft report submitted. Equifax continues to verify information is accurate and failed to respond to request of method verification. None of the other XXXX credit reporting bureaus have this information.
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CT)

I was instructed to deposit XXXX fraudulent company-branded printed checks via banking app mobile deposit ( unknown that these checks were fake at the time of the job scam- over 8 days time span ) Then I was to those funds ( via XXXX XXXX gift cards ) to the vendors so we could begin the equipment purchase order for my workstation at-home office Transaction dates and amounts : 1. Zelle {$2500.00} to XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXX. XXXX XXXX {$1000.00} to XXXX XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXXXXXX XXXX XXXX {$2400.00} to XXXX XXXX on XX/XX/2023 I was deceived into a job opportunity with scammers pretending to be real employees at XXXX XXXX XXXX. I was reached out to via email with an invitation to interview. The opportunity was something I had been looking for at the time, as I am struggling financially at the moment. It seemed too good to be true ( because it was ). The interviews and onboarding were conducted via XXXX XXXX  chat feature, aside from a second final interview over the phone in a XXXX minute call. They got ahold of my personal information ( I-9, W-2, etc. ), bank information ( direct deposit form ) after instructing me to hand-sign the offer letter. Upon " onboarding, '' they had me start a wireless plan with XXXX XXXX XXXX as well as purchase an XXXX and an XXXX for " work equipment '' that I would be reimbursed with in my sign-on bonus. Once I paid the {$180.00}, my devices were sent to me and then I was instructed by my " advisor '' to send the devices for proper installation and set up by technicians in XXXX. Devices are now lost/stolen and I am left with disputing this with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I don't have to be responsible for paying a services and device plan that is now a XXXX As part of onboarding next steps, they had me deposit equipment checks via the mobile banking app with XXXX XXXX, so that we could purchase my work equipment for my at-home office since the role was a virtual position. They began having me send money to third parties in different ways once some of the funds became available for withdrawal in my account. Until I saw a post on XXXX by the real XXXX XXXX nearly 8 days later warning about recent job scam at XXXX.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called the creditor direct since I saw incorrect information on my status. My account is up to date as I was informed twice by them. They refuse to update my account. I have been disputing this account for going on XXXX months. I have sent them letters as well.
Consumer complaint received 2023-11-18
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. (IL)

I have previously disputed, the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018 ; Reference XXXX XXXXXXXX with you the credit report agencies and in response you the credit reporting agency verified the item as accurate stating that you have " verified the information with the court ''. The courts do not report to credit report agencies ever or any credit bureau for that matter ; It is fact that public record of a bankruptcy showing up on a credit report makes the report, false reporting, and a violation of the Fair Credit Reporting Act, FCRA 611 ( 15 U.S.C. 16811 ). Therefor XXXX XXXXXXXX XXXX, Equifax 's, and XXXXXXXX XXXX original response asserting verification of the item with the court is an error, a violation of FCRA, and or a lie too, In each instance, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately unquestionably.
Consumer complaint received 2022-12-26
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: HCFS Healthcare Financial Services of TeamHealth (TX)

I Reached out to the company and sent out a cease and XXXX letter months ago and did not get any information back. I just want this Stuff off of my Credit Because it is not my account.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (CA)

i Disputed an collection account on my report with inaccuracies then experian, XXXX and XXXX  verified the account so i sent another letter asking for the method of verification which i never got and im getting denied for credit and housing opportunities because of this my rights have been violated due to section 15 usc 1681i ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), 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 on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-11-18
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)

I am a XXXX veteran who has had fraud committed against me as a result i had to file for bankruptcy. This included a XXXX XXXX account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the va.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (CA)

On XX/XX/2024 I submitted a dispute about an incorrect account on my credit report to Equifax. They did not investigate properly because they gave me the results on XX/XX/2024. Only one day after I submitted the dispute.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

I had a credit card balance with first digital, I paid the entire balance and requested closure of the account they closed it but still reported the account as a charge off and i called them they said they dont charge off accounts until 120 days late but on my credit report its inconsistent, my credit report is showing account in good standing on XX/XX/XXXX, then past due 30 days XX/XX/XXXX on XX/XX/XXXX in good standing again then on XX/XX/XXXX i called to pay the whole balance but the month the entire balance was paid yet its listed as a charge off. They informed me they charge off accounts after 120 days so there should be no charge off listed.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (CA)

I logged into my XXXX XXXX XXXX account and was looking at my charges and say a charge of {$44.00} to my account. The charge said " MONEYLION LOAN REPAYMENT ''. I do not have an account with them and when I contacted them they told me to send over my information so they can check it out. I did this and three days later they sent me another email saying they never heard back from me so they are closing my ticket. I called their customer service number and they said they would check it out and call me back. It has been three weeks almost and they have not contacted me. I have not taken out a loan with anybody. I think someone took out a loan in my name. I have student loans but they are through something else and they are paused anyway so I know it's not that. Please help me get this sorted out. I am trying to keep my credit score good and I don't want to pay for something I didn't sign up for. Thank you.
Consumer complaint received 2023-07-14
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. er FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : 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 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One did not change my legal name which I requested earlear this year. I sent them all the information via certified mail. They did not recive it till XX/XX/2023! The information was never updated till I resubmitted it Thursday by fax then it was updated! But my credit score was NEVER UPDATED, but all 3 credit reporting agencies have it updated in their systems. My credit will not be reported now till XX/XX/202XXXX XXXX
Consumer complaint received 2023-07-14
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be deleted immediately. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. Please remove the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.
Consumer complaint received 2023-07-14
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/2023 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-18
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Lentegrity Management, LLC (CA)

Hello, I applied for a loan to get a vehicle. I was pre- approved through XXXX XXXX XXXX but, I needed to wait until the full process when through. In the mean time I went to the car dealership XXXX XXXX XXXX in XXXX XXXX XXXX in CA to let them know that I had been pre Approved through XXXX XXXX XXXX. XXXX chief auto told me that it was fine but I need to get approved through another bank in order for them to release the vehicle in case XXXX XXXX XXXX didn't go through. I was pre-aprroved through LENTEGRITY. LENTEGRITY call me and asked if i was going through them, i told them NO, that I was going through XXXX XXXX XXXX. A few days later the process with XXXX XXXX XXXX went through and I signed the paperwork and took the check to XXXX chief auto for the car I purchase. A week later I received a letter from LENTEGRITY that I owe them {$28000.00} with the total amount due of {$560.00} by XX/XX/2023. I told them that I was NOT going through them and that I was taking another route. I never signed paper work through LENTEGRITY and now they are saying that I owe them money. 

Thank you for taking the time to read this. I really need help with this. Thank you!
Consumer complaint received 2017-05-03
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. (TX)

Dear  XXXX   XXXX   XXXX   XXXX  : I have been an account holder since  2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I have two late payments on the above referenced account that date back to    2014  since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  XXXX  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on bed rest my last month of  XXXX  no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that  XXXX   XXXX   XXXX  is willing to work with me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.     May  XXXX  please remove all negative remarks off my credit report. In good faith.       Sincerely,
Consumer complaint received 2023-07-14
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous.TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}