davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This complaint is an ongoing issue with " Portfolio Recovery Associates , LLC ''. This company is continuing to report a debt that I did not create, to all three credit bureaus. A fraud report was sent to the FTC regarding this account as well. 

A " XXXX XXXX account, account # XXXX '' In addition, They are reporting and attempting to collect on another fraudulent debt regarding my deceased mother. My mother became deceased on XX/XX/2019 ( see exhibit 3 ). Exhibits 4a thru 4f shows the many letters that I and my family have continued to receive from this company, which is being addressed to my mother. 

A " XXXX XXXX account also, account # XXXX '' My mother never opened any credit card accounts since the mid XXXX 's and that account was an XXXX XXXX XXXX card. First and foremost my mother has never used a computer in her life ( which was the only way this account could have been established, there are no XXXX XXXX physical offices in our area ) and was in her late XXXX 's when she passed away. 

Portfolio Recovery Associates , LLC do not have any ideal of the validity of the accounts they buy in bulk. This company 's business model is completely broken, most importantly, they're continuing to violate my rights under the Fair Debt Collection Practices Act and now they are violating my families rights and the legacy of my deceased mother. There's absolutely no legitimate information that could possibly connect my mother to opening any credit card accounts after the mid XXXX 's.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These are incorrect addresses that I have never lived at on my Transunion report : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

i have sent letter continual letter to the experian credit bureau and i havent got no response regarding the late payment either by mail or credit app i have sent letter back in 2021
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

I received a letter stating that I owe debt from XXXX  which I have idea where its from. I did authorize that transaction or use my social security # for that XXXX XXXX phone and possibly debt that Im suppose to owing.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/2022, I placed an online order with XXXX XXXX and used Paypal to complete the payment for the order. 

I was sent emails that my order was shipped on XX/XX/2022. But when I did not receive the items. I called XXXX XXXX on XXXX and they said it was delivered he to a different address than I entered when I ordered. I asked why was the address changed by them. They had no answers to that, so I asked for a refund or to send a new order to the address I entered in the first place. The refused and said they do not replace or refund on orders they already delivered. 
The same day XX/XX/2022 I spoke to Paypal and they admitted to changing the address upon completion of my order. In still they refused to refund my money for my order. They suggested I file a inquiry request on their website so they may inquire with XXXX XXXX. I did submit the inquiry request asking that I receive a refund for my order, but it was denied on XX/XX/2022. 
Ultimately it is Paypal 's fault for changing my shipping address after I typed in the address I wanted it sent to. I asked them how were they able to change my shipping address after I confirmed the order. They said they have to use the address on my Paypal account. This is not true because I ordered from XXXX XXXX on XX/XX/2022 and used Paypal and it was shipped to the address I provided. I would like Paypal to refund the price of my transaction for my misdelivered items.
Consumer complaint received 2021-05-31
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. (LA)

On XXXX XXXX. I sent a dispute to XXXX, Transunion and XXXX  Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to XXXX, XXXX  or Transunion. I have been disputing this for 9 months and the bureaus XXXX, XXXX  and Transunion are not legally reporting the correct information.
Consumer complaint received 2020-11-02
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 continue to allow XXXX XXXX to report incorrect and inaccurate information to their bureau stating I owe the {$1400.00} for car payments. I sent Transunion and XXXX both a letter from the company itself as documented proof that XXXX XXXX closed this account in XX/XX/XXXX and that there was a XXXX balance owing and that the lien account was paid in full. This account was a car loan that was cancelled due to a repurchase by the manufacturer XXXX for an acceleration defect on the car, in which the dealership was not able to fix. This car was repurchased back under the California lemon law and I was due to be refunded back everything I paid towards the car : my down payment and the car notes. The amounts of {$1400.00} are not the amount for the two car payments I paid. The Car payments came to the amount of XXXX each for a sum of {$1200.00} ; so that also is an inaccuracy as far as these two bureaus reporting. I have sent in the proof attached to show that this account was closed and paid in full and the break down from XXXX XXXX as to what was credited and what was due to be refunded to me. XXXX XXXX was not supposed to keep the car payments ; I repeat, they were to be refunded to me. Ive been disputing this issue since XX/XX/XXXX and this company continues to report these inaccuracies. I never received the refund of the money I paid toward the car, and XXXX XXXX as well as, the dealership were refusing to accept my calls, therefore, I went through my bank to get my money back after providing the bank the same proof from the company, my bank deemed it enough evidence that there was in deed a refund owed to me by XXXX XXXX and the Dealership. Both Transunion and XXXX continue to allow XXXX XXXX to report every month and tell me that as long as they are reporting every month, the account will show up on my credit reports. However, both Transunion and XXXX still are ignoring that the information XXXX XXXX is reporting is incorrect and again not accurate with regards to this account is supposed to be closed and the amount they are reporting for the two payments they say I owe, doesnt equal the amount of the two payments I paid. Please read the attached documents from XXXX XXXX sent to me! Transunion and XXXX are ignoring the documented letters and ledger I have provided to them which disputes XXXX XXXX information. The attached documents are from XXXX XXXX ; I am no longer responsible for this account because it was a repurchase by XXXX. So they need to contact the manufacturer if they feel they are to be paid {$1400.00}
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (AZ)

We leased a vehicle from XXXX XXXX which finances through XXXX XXXX, a dba of XXXX XXXX. The dealer pulled my credit twice and on the same day XXXX XXXX pulled it. As a result my FICO score declined from XXXX in XX/XX/XXXX to XXXX in XXXX. 

Additionally, XXXX XXXX pulled my credit on XX/XX/XXXX even though I have no XXXX XXXX accounts open. 

These FICO scores are complete nonsense. I am XXXX  of an oncology therapeutics company, have an adequate personal income from employment, and am continually reducing hangover debt balances built up during business startup. 

I note that different lenders use different FICO algorithms, with XXXX XXXX consistently choosing an algorithm least favorable to customers. 

There is no reason to have multiple credit reporting agencies making money out of their misconstrued view of my creditworthiness. Lenders should ONLY be concerned with payment record, and mine is perfect. All the rest is simply an excuse to overcharge the consumer.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (PA)

Hello I am contacting to dispute a letter I received in the mail. This letter is for the collection of a XXXX account I never had. The creditor is XXXX the account number is XXXX the reference number is XXXX. I never had service with XXXX that would have rendered a bill or past due amount that would have ended up in collection. I have contacted XXXX SEVERAL times about this same account number they can not seem to find it every time I call. Please provide any documentation you may have regarding this account. I will not pay for a service I never had. Please contact XXXX as this information is inaccurate. 

I would like documentation from XXXX about this so-called service they provided with the attached account number Thank you XXXX XXXX
Consumer complaint received 2022-06-23
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card # XXXX, XXXX XXXX XXXX # XXXX has violated my rights.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing this message regarding all three credit bureaus they have not reported my accounts correct and they will not remove the fraudulent activity which happened a year ago also the credit garnisher has not reported my XXXX account that I have made good with payments on so far and they will not drop the fraudulent accounts that I have tried multiple attempts to get off such as XXXX   XXXX, XXXX XXXX and hopefully you can be able to help a crime such as fraud on your credit report can really screw life up for you hopefully we can get this resolved
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Avant Holding Company, Inc. (OH)

Someone applied for a credit card in my name and had it sent to my address. They got it out of the mail when I was at work and then proceeded to put in a change of address to a mailbox store. The only reason I found out was I just happened to check my credit report and seen it. I seen this card that I never applied for as well as an address I never lived at. I filed a police report for fraud and identity theft. I tried calling the credit card company but they would not do anything because I did not have the account number. I asked that how could I have an account number for a card I never opened up it does not show the account number in my credit report. I even disputed this on my credit report but they did nothing. The company is Avant LLC / Web Bank
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

On XX/XX/2022 I review my mortgage statement from Freedom Mortgage Corporation and realize that it had increased in the amount of {$100.00} due to Other/Optional Products XXXX once I contacted the bank they proceed to inform me that this was a home warranty and told me they needed to transfer me to the company so I could cancel it, when I ask why was I enrolled in that product they just transfer me, I spoke with 3 representatives at the company XXXX XXXX XXXXXXXX and they just keep transferring me to someone who could cancel the account until the account last employee from XXXX XXXX XXXX Hang up on me I call Freedom Mortgage Corporation back to explain the situation and customer services representative told me that she could not help me and I needed to contact the company to cancel so I told her to try to get a representative on the line who could help me and she realized the she could not get anyone to cancel since they hang up on her, I requested a manager and a man called XXXX came to the phone to explained that there was nothing they could do, then I request to cancel my auto payment and were unable to do it either I've been at this for the last 4 hours, in my opinion this is a Fraud perpetrated by Freedom Mortgage Corporation in collusion with XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy. 

! 5 U.S.S 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 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the 3rd time I try to fix this issue with Transunion. I have contact and retained XXXX XXXX XXXX, Your Credit Reporting Agency ( Transunion ) has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next legal steps. 

Please cease and desist all reporting of these accounts : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Failure to fulfill your fiduciary duty as a data furnisher will inevitably result in a lawsuit filed by XXXX XXXX XXXX on my behalf. You have a fiduciary duty under the FCRA 605 ( B ) to respond within 4 business days of receipt. 

FCRA 605 ( b ) reads ; A consumer reporting agency shall block the reporting of any information in the file of a consumer, not later then 4 business days after the date of receipt.
Consumer complaint received 2022-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (GA)

I have tried to resolve the issue with this company about my taxes being removed from my mortgage payment. The first time they did not complete their job I simply called to check the status and found out they failed to even verify anything just went with what was currently on my account. I then called my tax commissioner and was informed the supervisor has been out but they immediately updates my taxes. Called back to mortgage company they already had approval letter and documentation signed and all about being tax free due to 100 % XXXX they then opened a new research case instead of using current one and said they were going to have to wait timeframe to process refund. They didnt know how much refund was but knew they paid out taxes on my account. I called got refund amount for both tax disbursements after mortgage company tried to say they only paid out XXXX. Then they voided XXXX and was supposed to put it back in my escrow account. Never has been deposited. The check from tax commissioner office was received by them on XX/XX/XXXX in amount of {$1300.00} but they tried to deposit only {$810.00} of it but now are saying they have to verify amount of check or someone keyed it in wrong. Yet it has been XXXX, months since this started, they have not gave me my money back has not given me an update or answer on whats taking so long, no time frame has been given or stuck too. Last time it was it would be completed by XX/XX/XXXX and it still hasnt and keeps says its been expedited but now when you cant tell me a time frame for an expedited case that should be faster than a normal case time especially if you have all the information. I think they are a scamming fraudulent mortgage company who thinks they can steal people money and not expect someone to follow up and call them out on their thieving acts and I will not tolerate this especially when you constantly lying and harassing me for payment for XXXX when it still includes taxes just like XXXX payments did and I paid them cause they said it would be done before the next month and the next month came and it wasnt
Consumer complaint received 2022-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-30
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (VA)

On XX/XX/23 I logged into my Coinbase account to refund the money i sent from XXXX to XXXX XXXX account and there were several attempts made the prior week, a huge message covers my screen from Coinbase Support stating my account was locked and to contact them to unlock my screen, I called a XXXX phone number ( California XXXX XXXX ) and wrote down the email address : XXXX and thought maybe Coinbase is outsourcing. The XXXX. XXXX answered to assist and I requested a XXXX XXXX. XXXX said will need to work on the account and moved. {$6.00} from XXXX to my XXXX XXXX. XXXX asked me where would i like the refund sent to and I said to my XXXX  account, XXXX XXXX asked me to open my XXXX account and moved {$150.00} to a XXXX XXXX account, I told XXXX XXXX that I didnt ask him to take money, I asked for a refund of {$140.00} from coinbase, XXXX XXXXXXXX said he would need to create a dummy account and my XXXX will be refunded in XXXX hours. Later that evening XXXX XXXX called me back and requested i share my screen again through XXXX share to still work on my account, i logged in and later I went back to my chromebook, the {$140.00} was moved to a XXXX account that is not associated with my account. 

On XX/XX/23, i logged back into Coinbase and spoke with Chat Rep XXXX who provided coinbase procedures and stated they do not accept XXXX payments and would never ask anyone to set up a dummy account On XX/XX/23 I contacted XXXX XXXX stated they would investigate with no response On XX/XX/23 I filed a police report and received Report # XXXX On XX/XX/23 XXXX Support stated I would need to contact the recipient, I told the Tech. that the recipient in a Hacker posing as a Coinbase Tech. XXXX XXXX. stated they can not reverse the payment. 

Address to Coinbase XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX PH # XXXX XXXX  Phone XXXX Square Arbitration Division XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (MO)

In Accordance with Fair Credit Reporting act. The listed accounts below has violated my federal proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( c ) The term consumer means an individual. 

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

I was trying to buy a kitten as a gift for my sister and was scammed by a person pretending to sell kittens. They told me to send money via zelle, {$650.00}. I did, and they continued to ask for money, but I realized it was a scam before anything else happened.