davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I happened to come across a debit collection after seeing my credit report in XX/XX/XXXX stating that I had a debit with Portfolio Recovery Associates, LLC that was opened XX/XX/XXXX. I filed a depute with XXXX and it was removed from that credit report. After filing the dispute I received a letter from Portfolio Recovery stating In response to your dispute related to the above account Portfolio Recovery Associates, has enclosed additional documentation for your review. Included in that package was a credit card statement which had a balance of {$6800.00}, PRA was stated the balance was {$8000.00}. Also included was a letter stating that this debit was transferred from XXXX XXXX XXXX. ( I never received any communication from XXXX XXXX XXXX ). I  submitted in writing to PRA requesting them to validate this debit by providing name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, was this debt assigned to debt collector or purchased, amount paid if debt was purchased, commission for debt collector if collection efforts are successful, a copy of the agreement with your client that grants Portfolio Recovery Associates, LLC the authority to collect this alleged debt, a copy of any signed agreement debtor has made with Portfolio Recovery Associates, LLC, or other verifiable proof debtor has a contractual obligation to pay Portfolio Recovery Associates, LLC, a  copy of any agreement that bears the signature of debtor, wherein I agreed to pay Portfolio Recovery Associates, LLC. In response, PRA again sent me copies of old statements. I then sent them a second letter informing them that this was not validated according to my request to please submit the initial requested validation information requested. Again, I was sent some more copies of old statements. My request from them was not answered. I asked for proof that the debit was mine, did PRA have the right to collect it and a signed contract between myself and PRA, which was never provided. Then I receive this letter stating if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. How can this matter be closed when PRA did not provide me with the requested information regarding validation? The letter sent was very intimidating, making feel like I dont have the right to request validation under the FDCPA.
Consumer complaint received 2023-04-16
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. (NC)

According to fair credit act reporting act. The list accounts below has violation my federally protection consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX. 

15 USC 168/c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer of the following other than records of conviction of crimes. Which antendates report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) should not furnish any information relating to consumer to any consumer reporting agency if this person knows or have reasonable causes to believe the information is incorrect.

15 USC 1681 section 604 A Consumer can not furnish account without writting structions.

15 U.S.C section 602 A. states I have rights to privacy
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

XX/XX/2022 I supposed to receive a deposit for {$150.00} to PNC BANK. PNC BANK told me that the deposit was rejected the same day due to closed account. I've waited a whole month thinking that the deposit was sent back to the sender and would come in a check because it was rejected by the bank. But instead, I was lied to and they kept the deposit and forward it to collections without my knowledge or consent. I just discovered this information today XX/XX/2022 because it has been quite a while. 
I really need help. I didn't like the fact that I've called several times and was told the same thing instead of them telling me otherwise. That was very dishonest and untrustworthy of a bank. I would like my {$150.00} back please. Thank you.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2023-05-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

In regards to the company response to my complaint. The only discharged bankruptcy I have done was in XXXX which my loan with XXXX XXXX was not included in. The bankruptcy in XXXX is over the 10 year limitation and should not be appearing on or affecting my credit score. The other bankruptcies appearing on the report were DISMISSED and since XXXX XXXX disregarded the one and only Bankruptcy i filed on XX/XX/XXXX and took possession of my home when it didn't sell at auction and the bankruptcy was immediately dismissed. I dont think that should be appearing on my credit report. The loan with XXXX XXXX was not discharged in any bankruptcy proceeding nor did I attend any of the other fraudulently filed bankruptcies that were also DISMISSED.. This is a credit reporting error by the CREDIT BUREAUS so I'm concerned about what is actually being investigated here.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Fair Collections is reporting on a debit that is n't mine and in another name. They have been sent several letters and it has been disputed with the reporting agencies to no avail. They continue to verify the debt without producing evidence bearing my signature or a break down of line items.
Consumer complaint received 2023-01-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Debt Recovery Solutions, LLC (CA)

I am a XXXX XXXX XXXXXXXX XXXX XXXX  that needs your help against XXXX XXXX XXXXXXXX, who conducted an illegal XXXX interest rate transaction, then sold this illegal transaction to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, file # XXXX, Who the sold this illegal XXXX  interest rate account to XXXX XXXX XXXX Debt Recovery SolutionsXXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX. 
Several illegal usury lawsuits were filed against many of these payday lenders and others in XXXX  by various state attorney generals. I paid these people $ over {$2600.00} in XXXX  over a {$2600.00} they still say that I owe them {$4300.00} Please Help
Consumer complaint received 2017-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (IN)

XXXX XXXX, AND ALL AFFIATES HAVE SINCE XXXX VIOLATED T.C.P.A., F.D.C.P.A,  F.C.R.A. AND COLLECTING ZOMBIE DEBT. 

FINALLY, ENCORE CAPITAL AND XXXX COMPANIES HAVE VIOLATED : " THE XXXX XXXX XXXX XXXX AND CONSUMER PROTECTION ACT 2009 H.R. 4173 ( 11Th ) CFPB 2013 TITLE X, INFRACTIONS ABROAD. 

SEE ATTACHED EXHIBITS AND DISCOVERY
Consumer complaint received 2017-09-04
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. (MO)

I have contact Equifax a few times in writing regarding 3 collection accounts that they are reporting on my credit report. 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX. The last letter I send certified with tracking number XXXX. In which they have failed to comply and send their method of verification I also requested they remove any other names besides the one listed on my letter that I send them and any request that they remove any other addresses listed besides the one on the letter I submitted to them. Not only is my name common there are others in my area with same name as myself. No ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO XXXX XXXX so they have failed to prove and refused to delete the unverified, unproven or no complaint accounts that they are reporting.
Consumer complaint received 2024-03-23
Product: Credit reporting 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. (NJ)

My latest credit report shows these credit inquiries that I did not authorize. 
I am writing to have these inquiries removed from my credit report. 
I have file an identity report with identity report Please see attachment
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (KS)

About once a month, Experian, or someone claiming to be them, with access to my account number ( they put it in the email ) sends out an email with the following information : Sign in to confirm your car There is a car that matches the info in your Experian membership. Sign in to confirm it's yours and check out free auto benefits. 
Sign in Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 


The link then goes to a list of XXXX vehicles, usually the same ones, and asking for loan status on them. 

It looks like theyre trying to confirm information, but there is no option to actually say that you dont own this vehicle. And all available options route you to a marketing pitch for auto loans or refinancing. 

Theyre being deliberately misleading by claiming that this is not marketing, it is part of your consumer record ( I dont actually own a vehicle ), and getting you to click through to an auto loan sales pitch is shady as XXXX.
Consumer complaint received 2023-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. ()

I contacted Experian and XXXX about an account that I have some incorrect information on. I have 5 late payments on an account that should not be on my account. I sent out a dispute by mail on XX/XX/2023 showing proof that the late payments were not suppose to be on my report but Experian told me that they have not received anything. At that point, I tried submitting the documents online but did not go through. Im also trying to fix this same problem with XXXX but I could not reach anyone on the phone.
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXXXXXX XXXX  Removal dateXXXX XXXX XXXX XXXX XXXX XXXX Contact info AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEXXXX Phone number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXXXXXX Removal date-XXXX XXXX Business typeXXXX XXXX XXXX Contact info- Address  XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX XXXX Removal date-XXXX XXXX Business typeXXXX XXXXXXXX XXXX non specific Contact info-Address XXXX XXXX XXXX XXXX XXXX XXXX MNXXXX Phone number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXXXXXX Business typeXXXX XXXX  Used Contact info-Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NYXXXX Phone number- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXXXXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-XXXX XXXX XXXX XXXX. 
XXXX Important dates-Inquiry XXXX XXXX XXXXXXXX Removal date-XXXX XXXX  Business type-Personal Loans Companies XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry XXXX XXXX XXXXXXXX Removal date-XXXX XXXX XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, XXXX Phone number- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX Business type-Finance, personal Contact info-XXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX Phone number- XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXXXXXX Removal date-XXXX XXXX Business type-XXXX XXXX XXXX XXXX XXXX Contact info-Address XXXXXXXX XXXX XXXX XXXX, DEXXXXXXXX Phone number- XXXX XXXX ) XXXXXXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX, XXXX Removal dateXXXX XXXX Business type-Automotive Contact info-Address XXXXXXXX XXXX XXXX XXXX XXXX, NYXXXXXXXX Phone number- XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX Original balance- {$120.00} Account XXXX XXXX XXXX  Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX Account type-Installment Status-not more than four payments past due Status updated-XXXX XXXX  Past due amount -- - Original balance- XXXX XXXX  Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2024-03-23
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. (NC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (MO)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (VA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-22
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. (TN)

I have disputed inaccurate information on my credit report numerous times with XXXXThis goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to Equifax have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT Balance- {$0.00} Balance updatedXXXX XXXX  XXXX Original balance- {$720.00} account NAME- XXXX XXXX Account number-XXXX  Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Installment Status-Pays account as agreed Status updatedXXXX XXXX Past due amount -- Original balance- XXXX XXXX Monthly payment- {$0.00} Contact info Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.