davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery you state in CFPB XXXX you have a right to report enclosed accounts SHOW ORIGINAL CONTRACTS for them not a letter, CONTRACT with my signature on it also the documentation that clearly states opt-out of credit reporting { because you don't have any original documents a fraud report was made you have no rights to report to report any information about my self Documents enclosed when I say cease and desist I mean to anyone or company. You bought the debts from someone other than myself a letter does not mean anything the original debtor does not have the original contract the FEDERAL RESERVE has it any other is a fraud The Federal Reserve is the only one that can collect anything else fraud
Consumer complaint received 2020-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (CT)

An account was opened in my name to which I had reported to the company itself and the ftc. The company in question is refusing to remove my name from the account because they feel I wasn't a victim of identity theft even after I explained the details of how any why it happened, they in turn notify me that that im still being held responsible. I lost my pocketbook that contained my wallet, keys, phone etc. My information was used to create accounts, my debit card was used for purchases as well. No police report was made because they didn't feel a lost bag was anything to report. It wasn't lost in result of a crime ( being stolen ) from what I was told and they can't help with identity theft. 

I wrote 2 affidavits regarding this and sent it to them, they're rejecting both because it's not from their website. I explained I do not have a printer to print 8 pages, notarize it and mail it out but that all the question asked on their form was addressed. They just referred me back to print out forms from their website.
Consumer complaint received 2019-09-03
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
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: Bread Financial Holdings, Inc. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Date of inquiry : 05/23/2020 This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft 01 COMENITY CAPITAL BANK XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Their records show i opened a XXXX account in XX/XX/2020. I did not open a XXXX account in XX/XX/2020. I've talked to way too many people who are either rude or hang up on me. They said they cant send me any kind of proof that it was or wasn't me. I asked for the contract with my signature and they hung up on me. My cell phone provider is XXXX for the last 5 years under someone else 's name. My name isn't on the account and i don't pay for it.
Consumer complaint received 2022-09-20
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: DISCOVER BANK (MA)

I had to use over six months of forbearance to cover my loan from being in repayment. Discover was not emailing me and was sending correspondences to the University. It wasn't until I checked my credit score to know of the situation.
Consumer complaint received 2024-11-09
Product: Credit reporting 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)

Capital XXXX is reporting information to XXXX, Transunion and XXXX that is not associated with my account. These fraudulent balances on my credit report has resulted in past due statuses inhibting my ability to access credit I am a victim of identity theft, and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written consent. This is misuse of my information and I am also requesting that original contract is provided.
Consumer complaint received 2024-11-09
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. (PA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/year> - {$12000.00}
Consumer complaint received 2024-11-09
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. (NY)

Under 15 USC 1681i ( a ) ( 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 consumer 's 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 ( XXXX ), 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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2020-10-30
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 check my FICO score through XXXX XXXX XXXX frequently.

Last month my FICO score was XXXX.

Last night, XX/XX/XXXX my fico score was XXXX.

This 30- point drop alarmed me.

I called XXXX XXXX XXXX in hopes of getting some insight on what caused the decrease in credit score. I was redirected by my bank to order a credit report on XXXX I Requested all 3 XXXX, TXXXX, Experian credit reports ( attached ) The report revealed : Two social security numbers, two names, and multiple soft inquiries.

On XX/XX/XXXX I called each agency, representatives suggested calling the other agencies to find answers.

Each agency said they did not see two social security numbers.

Summary : NO EXPLAINATION for 30-point drop was given. Please explain why?

Credit reporting bureau did not see two separate SSN. Please explain why?

Still no answers.

NOTE : My most recent activity was opening a XXXX XXXX XXXX. This was done in Early XX/XX/XXXX However, my credit report at the end of XX/XX/XXXX was still XXXX. Why was there a dramatic drop in XXXX  with no late payments, no hard inquiries? Why is there an additional unidentified social security number?
Consumer complaint received 2020-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my reportXXXX 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  , U S DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Company Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$34000.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00}
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX and Trans Union are reporting is reporting XXXX accounts that Have a cease communication per 15 USC 1692c in order which the debt collector has been notified about, and has agreed to stop all forms of communicating through all mediums which include reporting on my consumer report. Further more Trans Union, and XXXX, XXXX is still reporting the upgrade accounts inaccurately and has refused to remove the same accounts from my consumer report. 

Attached is proof from the debt collector they will no longer contact me, and close the accounts. I need to make sure XXXX, Trans union, and XXXX remove the XXXX accounts immediately from my consumer report
Consumer complaint received 2024-11-28
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: Diverse Funding Associates LLC (SC)

Amount claimed owned : 2018 $ I have called DNF Associates over 20x in the last 2 yrs since seeing the collections account on my credit report. Never received any correspondence, not email, phone call or mail about it. 

I have called, emailed, and hand written letters once a month for two years with zero response. 

Have disputed the collections multiple times
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WESTERN UNION COMPANY, THE (CA)

I attempted to open an account by calling Western Unio n in order to link my service provider information for the purpose of bill pay service needed to establish stability and provide assisstance with funding sources due to Covid 19 and severe hardships caused by identity theft of a Trust Beneficiary. 
Western Union refused to open my account by calling, after I explained to them that I am a victim of identity theft and that opening an account online is not an option for me due to the severe hacking of my devices and theft of my financial information in order for perpetrators to gain access and make unauthorized transactions for their own illegal benefit. 
Western Union has rejected all of my attempts to open an account and has not assissted me in opening an account. Even after I have provided them all of my identity verification documents requested by them. 
With an open account Western Union is under obligations to see to it that all transactions are approved and Western Union can be liable if issue at hand is not provided. 
Your assisstance is very much needed in this matter and if needed an investigation of their services. 
This is a severe issue due to severe hardships of Trust Beneficiaries and I would like to resolve this matter at your earliest convenience. I can be reached at XXXX for further discussions and/or information you may need. 
Thank You. 
XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi Bk of America ; Why am I seeing incomplete, and unverifiable information ... ..I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-09-11
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. (NJ)

do to the XXXX XXXX giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

We changed phone companies, XXXX XXXX XXXX sent a bill saying we still owed them {$25.00}. 
I emailed them for an explanation, they said it was a mistake dont worry about it. 
I kept checking my account there & they continued to show a {$25.00} balance. 
I contacted them several times & each time they said not to worry about it because we did not owe any amount. 
Now we received a letter fro XXXX XXXX  demanding the money., I have all the correspondence saying we owed nothing. 
Its only {$25.00} but come on how many people are they doing this too?
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been using Capital One for some time. When I began using the card for online gaming, they began putting fraud holds on my account. I resolved this in XXXX on at least two occasions, verifying it is me making the purchases. I have not disputed a single charge, yet they continue to put fraud holds on the account. Normally, I just have to jump thru hoops over the phone to resolve, but it kept happening. Now in XXXX, they have placed another fraud hold, and this time will provide no information, and are asking for documents to verify my identity ( Documents not required to set up account or use it in the past ). I have provided them the best I could, and they continue to want more. Now they are demanding new scans of the back of my ID ( despite sending them over 10 pictures, none seem good enough ), and now are asking for the back of my social security card. This has become harassment, not any kind of fraud protection.
Consumer complaint received 2024-11-28
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: CREDIT ACCEPTANCE CORPORATION (CA)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2022-07-20
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)

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these Items. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-20
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. (FL)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Affirm Holdings, Inc (GA)

Affirm is the company I need help with. I placed an order with them on XX/XX/2022, the vendor was XXXX XXXX ( which I will also file a complaint about ). I ordered a white sofa that cam damaged and the level of install service advertised was not provided. The delivery driver was supposed to unpack and assemble the sofa and instead he just had me sign a blank screen and left. Once I opened box I noticed two pieces damaged. The major issue is that XXXX XXXX  has two conflicting policies listed on their website for their damage policy. The one in the FAQ 'S states that they'll replace or refund damage immediately. The one in the XXXX & XXXX 's states they can repair the item which I wasn't made aware of until after I received my order. I did not want a repaired sofa or a cleaned sofa by a furniture repair company, I wanted the brand new sofa I paid for. XXXX XXXX  refused to honor the police that I was directed to initially in the FAQ 's and said if I wanted to return it then I had to arrange return shipping and pay for it, plus a 15 % restocking fee!!! I disputed with Affirm and they stated that XXXX XXXX  sent them evidence of the policy listed in the XXXX & XXXX 's and refused to credit me, even though I sent then evidence of two conflicting policies on the XXXX XXXX website. I still have the damaged sofa, they can have it it just want my money back! Affirm has XXXX purchase protection for customers who use their service and I will never use them again!