davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX and Associates, XXXX XXXX, Portfolio Recovery, XXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX.
Consumer complaint received 2023-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (DE)

Back in XXXX XXXX XXXX I contacted Affirm to pay off a {$95.00} balance. Prior to that I experienced financial hardship and had no choice but to get back to it at a later time. Unfortunately, it ended in a charge-off. As soon as things got better for me I contacted Affirm to pay the debt and did so. Years later I have applied for their XXXX service and continuously get declined - even today XXXX XXXX XXXX. So, I then contact them via email and explain this situation and each time they continue to send me generic letters. I learned that the generic letters are not truthful. The letter states that their decision is based on XXXX credit bureau information ( who I have a XXXX score with ) - so it can't be that. Then the letters goes on to say that it's bc I applied for amount above what I could approve for. I don't know how that could be bc each time that I've applied I never selected an item with an amount attached. I just clicked the " apply for a loan '' button without an item selected. So that can't be the reason either. 

Finally, I call the XXXX number listed in the letter. I explain the above to the representative who tells me it's my status of having a charge-off- which is still in my records and can not be deleted. I ask for a supervisor who tells me the same thing. They CAN NOT DELETE a XXXX year old blemish on my account. I'd like to know if this is the factual truth. With technology the way it is now, they mean to tell me the system they use is unable to update/delete so that I can have a 2nd chance? Even credit bureaus delete from credit reports. How are they able to have such an antiquated system? So does this mean this will be in my file forever. That is totally unbelievable and I don't believe them at all. Who are they to hold a person hostage for this long and such a small amount with no way out, no room to allow for a 2nd chance? 

Thanks
Consumer complaint received 2023-01-02
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)

When reviewing my credit on experian I saw this outstanding balance collection of {$940.00} owed to XXXX XXXX XXXX XXXX '. It showed it was opened on XX/XX/XXXX of 2022. This is not my account I did not do this. Thank you for your help!
Consumer complaint received 2023-01-02
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXXXXXX XXXX XXXXXXXX / XXXX 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I was getting phone calls every single day from sun up to sun down. Now Im getting calls every other day. I have asked them to stop calling me due to being deaf and told them I couldnt hear on the phone. And when I do they hang up on me. I have blocked many numbers ( probably well over XXXX different numbers ) and continue to get calls. I have threatened that if they had called me again that I would sue for harassment. And they constantly call me still. Its emotionally draining, distressing and abusive how theyre tactics work.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Account # XXXX - XXXX XXXX XXXX Transunion is reporting my XXXX XXXX XXXX account as 30 days late for XXXX & XXXX of 2016. I have contacted XXXX XXXX XXXX and they confirmed that the account was NOT 30 days late XXXX & XXXX of 2016. They advised it was the credit bureau reporting it in this manner. This delinquency needs to be removed. Transunion refuses to correct the issue.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have been using Experian Boost to raise my credit score since XXXX. The premise of Experian Boost is to raise credit scores by adding a personal bank account and other self-reporting payments not limited to bills, credit cards, and re-occurring charges like rent. Before XX/XX/XXXX, the last time I got a credit score increase was on XX/XX/XXXX ( Experian Notices Page 5 ). In this notice, Experian increased my credit score from XXXX to XXXX. 

Credit scores are supposed to increase every three consecutive on-time payments and re-occurring charges. However, between XX/XX/XXXX, and XX/XX/XXXX, there were no increases to my credit score. On-time payments recorded between XX/XX/XXXX to XX/XX/XXXX from my bank account did not increase my credit score. 

I called Experian 's customer service and sought advice regarding my credit scores. Customer service advised that bank connections may disconnect at times. To further troubleshoot, customer service advised me to take out my bank account on file and add it again. Customer service told me that this should fix the issue ( connection issue troubleshooting guide ). After following Experian 's customer service advice, my credit score decreased from XXXX to XXXX ( XXXX ). I also noticed an address in my file that does not belong to me. 

I called Experian 's customer service on XX/XX/XXXX, and XX/XX/XXXX, respectively. Experian 's customer service stated that my credit score was XXXX without offering advice and refused to reinstate my previously recorded credit score of XXXX ( XX/XX/XXXX, Graph of Credit History from XX/XX/XXXX, to XX/XX/XXXX ). I have a family that relies on my credit score. I will have difficulties finding other rental homes and credit cards.
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (MD)

I have been getting few calls a week since XX/XX/XXXX of last year from Capital accounts. I have asked them many times that that I do not owe or know of any company by the name of XXXX. I have never lived or been to XXXX. They have failed to validate this account or send me any documents. I have advised them if they represent Open XXXX of XXXX XXXX, then my balance with them is only {$200.00} and I be gladly pay for it, as long as their negative reports gets removed from MY CBR. 
This Company always calls from a Local number but that are not in XXXX nor have any office here in my Home State. Every time I tell them this, they either Hung up or call the next day. I have asked them not to contact me on My Mobile phone, but they still do. I have yet to receive a single document or a letter from them. I respectfully dispute the validity of the debt and the amount.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

Dear, Chase I am writing to dispute a charge of {$500.00} to my credit card account on XX/XX/XXXX, XXXXThe charge is in error because the merchant cancelled the order for credit card verification purposes and refunded me in the amount of {$8300.00}. Then rebilled my account for the amount of {$500.00} I was able to contact the merchant and find out that I had been charged for a separate order that was processed without my knowledge and has already been returned but the merchant did not advise me of when a credit would be applied to the account. Can you please continue the dispute as I have proof a returned receipt. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. The merchant now has their merchandise back and along with the funds paid to them Attached are copies of a XXXX tracking information supporting my position that the entire order was returned. Please correct the error on my account promptly.
Consumer complaint received 2023-01-02
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. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FactorTrust, Inc. (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX TransUnion XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Balance {$750.00} {$750.00} {$750.00} Current Balance {$750.00} {$750.00} {$750.00} Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Dispute Resolved - Consumer Disagrees
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Patenaude & Felix A Professional Corporation (NV)

Patenaude and Felix APC Isa debt collector for XXXX XXXX. During the pandemic my account went to collections. My wife and I had a joint account. Patenaude and Felix sent garnishment letters from XXXX to XXXX. They began my wages weekly in XX/XX/XXXX. My wife contacted them to resolve her issue or put blame me. My wife and I are separated and not speaking with each other. Patenaude and Felix APC sent legal documents to my payroll department at the XXXX XXXX XXXX in XX/XX/XXXX. My name is the only name mentioned on a joint account with my wife XXXX XXXX. ( Credit card ending XXXX ) The garnishment is weekly between {$99.00} to {$110.00}. My wages at the is XXXX hourly. What Justice would approve garnishment of my wages? I think it maybe a scam. The garnishment totals $ XXXX monthly. There's many scammer 's out there. My apartment complex make fraudulent charges too. 

*Please cancel my current complaint XXXX. It was entered incorrectly. My apologies.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be discarded from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent the credit bureaus a letter asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy and these XXXX accounts have been removed from XXXX while Transunion and XXXX will not remove them. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be discarded from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX and TransUnion 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 than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX ( Original Creditor XXXX  XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$170.00}.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My Lender-SLS has been in the 'process ' of a the 5th short sale offered on my home within a year time. The problem is when the these last offers came in I requested CASH FOR KEYS XX/XX/XXXX and they told me to submit a utility bill and request. So I did. Then 2 months went by and we talked and they said they never rec 'd it. So I -emailed another request. 1 month goes by and they call me stating they only got XXXX page. So I do it again. another month goes by and I talk to them still they never rec 'd it. Well then I fax it again 3 weeks ago. I get a call from them. I ask if they got it. She says yes- However, that program ended in XXXX 2015 and we are not elligable. Im totally stunned - unprofessional. Why would I be led on and why would n't they offer anything else? 

Is their any other programs for relocation/transition assistance? I have searched on line. I am not XXXX XXXX or XXXX.