davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am exercising my right to dispute the validity of the debt.

1. 12 CFR 1006.34 ( b ) ( 5 ) - This regulation requires debt collectors to provide consumers with accurate information regarding the debt, including the amount owed and the identity of the original creditor. I request that you provide clear and accurate information regarding the debt in question.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) - This regulation prohibits deceptive or misleading representations by debt collectors. I request that you refrain from any deceptive or misleading practices in your attempts to collect this debt.

3. 12 CFR 1006.34 ( d ) - This regulation mandates that debt collectors provide consumers with written notification of their rights under the Fair Debt Collection Practices Act. If you believe I received proper written notification of at least 5 days, then I am requesting that you please provide me with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report.

4. 15 USC 1681-S 2 ( 7 ) ( A ) - This section of the Fair Credit Reporting Act requires that debt collectors provide accurate and complete information to credit reporting agencies. I request that you ensure any information you report to credit bureaus is accurate and complete.

I expect a response to this dispute within 30 days as required by law. During this time, I request that you cease and desist all collection activities until the validity of the debt has been verified and provided to me in writing. I am revoking all rights of communication via email, text, or call.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MA)

XX/XX/2019 a 93A Demand notice was sent to Source Receivables informing them their listed collection on my credit report was in violations of the below law with a demand for removal of account. They had 30 days to take action from point of receipt. They failed to remove their listing. 

Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only. Source Receivables is reporting under their own name. 
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may,  with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name. 
940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : ( 15 ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( 21 )  Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the creditor XX/XX/2019 a second notice was sent via certified mail informing them of their illegal actions for continued reporting and failure to reply to a 93A Demand. They failed to remove their listing and failed to provide a proper reply. 

XX/XX/2019 a third notice was sent via certified mail. They failed to remove their listing and they failed to reply. 

Overall : Source Receivables is reporting illegally to the bureaus. Under mass law after receiving a 93A Demand notice they were legally obligated to not only reply but also to take action in regards to their illegal activity. They have continued to break the law in effort to collect on a debt they have not validated.
Consumer complaint received 2023-01-12
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. (CA)

TransUnion and XXXX Both agencies are reporting a medical debt for {$900.00} by XXXX XXXX XXXX on behalf of XXXX XXXX. This bill was paid by XXXXXXXX XXXX and XXXX XXXX tried to balance bill the contracted portion she is supposed to write off as a provider. I contacted the XXXX XXXX office and they corrected the billing mistake. They correctly adjusted the bill and removed the {$900.00} charge. I submitted the attached email I received from the Doctors office and I requested TransUnion and XXXX remove the false information being reported by XXXX XXXX XXXX They did not remove the collection account and did not post the updated information I provided from the original creditor showing the bill was adjusted and the {$900.00} charge was removed. Both TransUnion and XXXX keep reporting this false information and I have disputed this twice and called several times. This collection agency reporting needs to be completely deleted from my credit file.
Consumer complaint received 2021-06-10
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: ALLY FINANCIAL INC. (WA)

XXXX  said I had to dispute this with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ). 

Here are more hard inquiries that I did not authorize : Ally Financial XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
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. (TX)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me  that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX  ) XXXX**, XXXX ( Original Creditor : 11 XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX XXXX  XXXX ) XXXX****, XXXX XXXX XXXX XXXX****
Consumer complaint received 2019-07-29
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. (GA)

XXXX  refuses to remove fraudulent negative accounts from my report that are not mine. I have tried to submit disputes on-line and now they have blocked access to me doing so. This is in violation of the FCRA.
Consumer complaint received 2019-07-29
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. (TX)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MD)

I entered into an agreement with Radius global the company that XXXX XXXX hired to collect a debt for a vehicle that was reposted. The agreement was to make three payments in the amount of {$1400.00} totaling {$42000.00} to settle and close the account. Payments began in XX/XX/2019 with the first payment in XXXX, second payment in XX/XX/2019 and the final payment was made in XX/XX/2019. I received a letter from Radius Global solution via email and standard mail stating my account has been resolved and closed in XXXX. I contacted both Radius and XXXX XXXX to have the information updated correctly. 

My issue is the information that XXXX XXXX is reporting to the credit bureaus does not accurately reflect the agreement made between me and Radius global and it also indicate son my credit report that I still owe XXXX XXXX  {$6300.00}. I made three payments in XX/XX/2019, XX/XX/2019 and XX/XX/2019 on time as agreed with XXXX XXXX however XXXX XXXX reported all three of those payments to the credit bureaus as a failure to pay. Currently the account on my credit report also indicates a past due balance of {$6300.00} despite the fact that I have resolved and paid the full amount all involved parties agree to. 

I am requesting that XXXX XXXX remove the account in totality from my credit report with all three crediting reporting agencies.
Consumer complaint received 2019-07-29
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. (TX)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-29
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. (TX)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

Last XX/XX/XXXX, I sent a request to CMRE to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents. Moreover, After more than 30 days, what CMRE did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. They definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.
Consumer complaint received 2019-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/XXXX I made an ATM deposit over {$5000.00} from my homeowners insurance for repairs ... NAVY FEDERAL BANK has the deposit listed as being made on XXXX XXXX they released {$200.00} of the money but immediately kept around {$5.00} because my account was in the negative from NAVY FEDERAL BANK automatically debiting some extra cash to apply to my delinquent credit cards of which the minimum payments are extremely high and I can not afford to make.. my insurance check is now being held and they have automatically debited more cash from me and have not released the funds.. I called NAVY FEDERAL Saturday to explain to them that was a check from my homeowners insurance and if they continue to take the money I will not be able to have the repairs done and I could possibly be charged with insurance fraud ...
Consumer complaint received 2019-07-29
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. (TX)

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-07-29
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. (TX)

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2024-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (MI)

I don't recall having a contractual relationship with this collection company RECEIVABLE MGMT GROUP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2019-07-29
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. (FL)

After learning that I was denied credit for a loan to purchase my first home in 2018, they informed me to go check my credit report and do an investigation to see if there are items on there that I dont recognize. I did that and upon checking my credit report I noticed that there were several accounts and issues that should not the there. I contacted the Federal Trade Commission and summited the identity theft letter and sent to the bureaus with no response. They never did much on it I also put a fraud alert then the freezes on my reports. Then I learn that they were a data breach within the bureaus, and I matches up to the timeline of when my accounts were compromised. I have been sending my letters certified and contacting the creditors with no responses to the real issue. I always get the that the accounts have been updated which means nothing they never made a change to anything or they verified so I sent a letter asking for how they verified and I get no response. I have been spending too much time and effort to handle an issue that they created. I just want then to fix this issue so that I can go on with my life. I expected a higher level of service from the credit bureau than they showed me these last few months with this issue and I am quite disappointed in the way and how they blatantly pushed this issue and made me the consumer feel that I was in the wrong and never summited the proof that I asked for with the letters that were sent certified mail.
Consumer complaint received 2019-07-29
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. (CA)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number  they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX   Please get rid of the accounts as soon as possible .. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/ 2024, I was issued a refund of {$19.00}. That brought my balance up from {$300.00} to {$320.00}. Im am trying to figure out where the missing money is. XXXX doesnt seem to know or care, and the same with PayPal . There is a charge of {$160.00} on my PayPal account from when I tried to transfer money from my PayPal account to My XXXX XXXX wallet. It wasnt until after I submitted it that I realized the recipients email address was unrecognizable & had nothing to do with XXXX. I also have a charge from XXXX thats pending on my PayPal account that they are trying to take {$150.00} out! Im not happy with either company
Consumer complaint received 2019-07-29
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)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible .. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (MI)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$12000.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (IL)

XX/XX/18 received a welcome letter from XXXX 's prepaid XXXX. I never applied nor asked for this prepaid card. It has a prepaid card in the welcome letter with activation sticker. I'm worried that this will effect my credit score or was opened by someone else using my information. Tired to call XXXX 's and could not talk to a live person without having to input personal information like social security number etc. I'm not going to do that. There are fees associated with the account. I hope they aren't already charging me.
Consumer complaint received 2019-07-29
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. (TX)

I am furious first as this is a ongoing issue with Equifax. You prove why things is not supposed to be on your credit report and Equifax removes it then place it back on your credit report a year or so later when they think you have forgotten about it. This has happened THREE times already regarding having XXXX XXXX XXXX on my credit report. I have 2 old unverified collections that has once again popped up on my credit file under Collections. If you refer back to Complaint ID # XXXX dated XX/XX/XXXX and Complaint ID # XXXX dated XX/XX/XXXX. All collections from this debt collector who I have no dealings with has been REMOVED. EQUIFAX ALSO STATED IN THERE RESPONSE IT WAS REMOVED AND NO LONGER ON MY CREDIT REPORT. As I requested my credit file via mail and it was sent XX/XX/XXXX. I see the same collections back on my file. Like who do I sue at this point?????? Are we gon na keep blaming it on this constant breach there having ruining people 's lives????? I also disputed 13 inquiries which are still showing that I did not authorize. This is a headache and extremely stressful. I did file the breach claim as well.