davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/, I attended a Small Claims lawsuit hearing brought against me by Portfolio Recovery Associates LLC, represented by XXXX XXXX XXXX. In the Small Claims document it states that I owe {$810.00} and this is a different amount from what PRA said I owe previously. In addition, I am concerned because the telephone number on the Small Claims document is not mine. It is an Iowa number and I have never lived in Iowa. I asked that PRA verify this and provide proof that this was my phone number. I asked that he have PRA present ALL documents related to the debt PRA says I owe that is, proof that PRA indeed owns the debt and showing that the debt is mine and that I formally deny that the debt is mine. PRA can not demand payment for a debt they can't prove they own. He said XXXX XXXX would me validation of debt package ( XXXX  ). In addition, I am XXXX XXXX XXXX, XXXX  and my only income my Social Security monthly benefit. Since XXXX I have only received 2 hardship documents asking me to sign them and send back. Why 2 of the same forms dated 1 week apart? their record keeping is suspect in my opinion. I believe PRA does own all the documents pertaining to this debt they claim that I owe. My XXXX  credit report does not show a last date of payment which would invoke Massachusetts XXXX of 6 years. I have all cancelled checks and originals bills in my possession. Something is awry here!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (LA)

I recently reviewed my credit report where I discovered that World Fin ( account opened XXXX approaching 7 years ) notated an account as Charge off /Collections on my profile after they accepted my settlement offer/amount which has been paid in full. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MA)

Freedom Mortgage sent a letter to us dated XX/XX/year> showing that our town taxes were past due. The letter was sent via regular mail and arrived at our home on XXXX XXXX XXXX and stated that we had 15 business days to make payment to the town tax office and respond to their request by sending proof of payment. Once the letter was recieved, I immediately contacted our towns collectors office to confirm the past due amount. Once confirmed, I made past due payment on XX/XX/year>. Shortly after, I contacted the town to receive an email showing proof of payment and that we were current on our taxes. The assistant town collector sent PDF proof of payment for on XX/XX/year> and we immediately ( 10 minutes later ) sent to Freedom Mortgage payment proof email. The company did not acknowledge that proof until XX/XX/year>. Within 2 weeks of this payment proof, the company forced us into an escrow account ok XX/XX/year> stating the town reached out to them saying we were past due ( this is a lie ). I contacted the town and they stated they do not call mortgage companies. We were current, went multiple requests to remove the escrow and the company refuses to acknowledge their mistake. Nobody is taking accountability, we responded to their letter in time and completed the necessary steps in the timeframe asked. We have talked to 15-20 people since XXXX and we are still dealing them on XX/XX/XXXX. Very frustrating. After reviewing complaints on line, theres many negative comments. This seems to be a company wide issue, weve always paid our mortgage on time and were forced into working with Freedom Mortgage due to lenders changing. They need to take some accountability. They now have pinged our credit even though they were reviewing our account, and put a hold on the account.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The debt in question is referenced by account number XXXX. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I requested that you provide me with the following information to validate the debt : 1. The amount of the debt 2. The name and address of the original creditor 3. A detailed description of the debt 4. Any relevant documentation supporting the debt 5. Proof of ownership or assignment of the debt 6. A verification of the debt balance 7. Verification that your agency is legally authorized to collect this debt on behalf of the original creditor. 

I also request that your agency cease all collection activities, including any reporting to the credit bureaus, until the requested debt validation is provided. 
Furthermore, I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency. Upon careful review and analysis of the information provided, I have reason to believe that there are inaccuracies in the reporting of this debt. I have written this company and they have not responded. 
this account is causing me mental stress. and i want it removed ASAP.
Consumer complaint received 2023-04-23
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. (TN)

My TransUnion Vantage 3.0 score dropped XXXX XXXX XXXX from a XXXX to a XXXX due to positive reporting history. None of these accounts have been closed and the balance decreasing typically means a credit INCREASE. I am sure this has effected my other vantage scores and all my FICO 8 scores as well and would like this to be corrected across all bureaus. This drop is incorrect.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/XXXX  I received a letter from Synchrony Bank saying I had an overdue account of {$20.00}. I called the number repeatedly but couldnt get a live person. I emailed the company but got no response. I kept calling and finally talked to an agent and filed a fraud report. I was told that I would not be responsible for the charges while there was an ongoing investigation and that they would notify the credit bureaus as well. Now I continuously get emails and text saying that I have a balance over 60 days and my credit has gone down XXXX points as a result of this!! Im so upset about this and its giving me so much XXXX  because I keep getting notices from the credit companies about how much my credit has gone down. Ive called all the credit bureaus and written letters to all of them as well. Ive also written to Synchrony Bank. I havent received any responses yet. Ive always paid my bills on time and Ive never had a late payment. My credit is very important to me and Ive worked hard to keep it in excellent standings. This is outrageous that theyre ruining my credit for two charges for {$5.00} that they cant even tell me what theyre for! Ive had an XXXX account with XXXX for many years and its set up with automatic payments. Im a reliable and responsible person. Im XXXX XXXX XXXX and plan on XXXX in a couple years. I need my credit to be in good standings so I can get a small mortgage if I need one. Please help me with this. I would be so grateful. Thank you very much. XXXX XXXX
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DIGITAL FEDERAL CREDIT UNION (NH)

On XX/XX/XXXX my XXXX account was hacked and {$5000.00} were transferred to a fraudulent linked account. After contacting the Credit Union immediately they said they will reimburse the money right away until the investigation was completed. The money was never deposited. After numerous phone calls to the fraud department and hour on hold we were given the run around and we still have not received the money. They said we needed to wait 10 days, we are now at 15 days and no response from XXXX.
Consumer complaint received 2024-05-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: A-1 Premium Acceptance, Inc. (MS)

I spoke with king of Kash about a loan I had with them and they offered me a settlement amount for {$260.00} dollars. I pay an initial {$25.00} dollars over the phone with my debit card-to agree to the settlement amount. Now I owed them {$240.00} but they went into my bank account and drafted {$180.00} dollars 4 times in less than a week. I spoke with them concerning this matter. First they agreed to refund me the difference after the {$240.00} was paid and then they did they wasnt going to refund me anything without any explanation. I spoke with XXXX and also XXXX. This was Friday XXXX XXXX I have not spoken with them since Friday. I was very hurt after they lied to me and it put my bank account in shambles. Thanks
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

Discover Bank {$2400.00} Requested removal of this fraudulent account listed on my credit report. Discover bank failed to supply supporting documentation regarding their investigation. I requested a copy of the contractual agreement, account opening statement, information regarding the opening of this account name, address, phone number etc Discover bank failed to supply this information & is still reporting false information currently negatively impacting my credit score.
Consumer complaint received 2023-03-24
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. (NY)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 2023-08-11
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. (TN)

I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I have business checking account with Truist Bank. A charge on my debit card for {$25.00} was presented on XX/XX/23 and the account had insufficient funds to pay the transaction. Truist paid the transaction and charged me an overdraft fee of {$36.00}. The account is then negative and another charge for {$15.00} was presented via a debit card transaction and this transaction was paid and I was charged another {$36.00} fee. I spoke with a representative that advised that when I opened the account it was a part of the agreement I signed. I requested a copy of the signed agreement, and they advised me it was on the document center. I was unable to obtain a copy of the signed document there. I was never told at account opening that debit card transactions would be approved with funds not available.
Consumer complaint received 2024-04-19
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. (TX)

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected 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 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 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related. 
alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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. (MS)

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, PA XXXX XX/XX/XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX  XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00}. XXXX XXXX XXXX XXXX : {$580.00}. XXXX XXXX Balance : {$34000.00}. XXXX XXXX : {$1400.00}. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$2900.00}. ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2024-04-19
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (VA)

To whom this may concern I XXXX XXXX XXXX is filing this complaint on behalf of myself anf no one else. Over the past 3 months I have disputed false and inaccurate information on my Consumer file with the 3 CRA ( Equifax, XXXX, XXXX ) in regards to late payments that they are continuing to report false and inaccurate. Each time all 3 CRA ( Equifax, XXXX, XXXX ) has responded that the information I have disputed was " verified '' as accurate but each time all 3 CRA ( Equifax, XXXX, XXXX ) have reported different information in regards to these accounts. Not only has the false reporting cause severe damage to my ability to obtain credit but it has caused my family great damage. Per 15 usc 1681a Congress clearly states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have and will be providing documents of proof that these accounts should not be reporting at all. I'm demanding that these late payments be removed or I will have no other choice then to contact my legal counsel and sue each CRA for punitive damages.