davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely,
Consumer complaint received 2023-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery appeared on my credit report XXXX. They claim that I owe them {$4700.00} even though Ive never done any business with this agency., nor have I accepted any funds from them. Ive disputed this report numerous times. On XX/XX/2023 I sent a handwritten letter to this company requesting the original copy for the debt in question. I received no response. Im not liable for this debt of Portfolio Recovery. I have NEVER entered into any contract with this agency.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I tried to purchase a used motherboard from XXXX but the supplier took it off right when i tried to pay. So XXXX cancelled the transaction, but paypal tried charging me anyway 5 times XXXX even though there was no purchase and i have my paypal account set that it can not charge me multiple times for the same item. I have no idea how this stuff can happen to people??????? I went and read the reviewes of paypal on XXXX, this stuff happens to sellers and buyers every day on XXXX. This kind of fraud need to be regulated better so people are not put in this situation. It was sunday, grocery day and we have had to suffer with no food or anything for 4 days now till another payment hits our account. this is obsurd that banking institutions can do this to people on a daily basis?????? This has happened to me three times now on paypal, I am closing paypal immediately ... ....
Consumer complaint received 2023-08-17
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3  credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I placed an order for an item through PayPal on XX/XX/XXXX - using pay in XXXX installments. 

The item arrived damaged and unusable. The seller refused to refund the money unless I paid for extremely expensive shipping back to XXXX. Which goes against their 14 day notification of return policy for damaged items. 

I filed a dispute claim with PayPal in XXXX and they refused to process the refund unless I returned the item- I was happy to do so, but refused to pay hundreds of dollars to ship a broken back to the seller. 

My dispute kept getting denied and I kept appealing it, as you can see from my screen shots. I was finally told by PayPal representative to file a chargeback claim with my XXXX XXXX 

Filed a claim with XXXX XXXX in XXXX and won the dispute. PayPal has been borderline harassing me with phone calls saying that I now have a Delinquent loan with them and it will go against my credit. 

Filed a complaint with FTC and XXXX, still no resolution from PayPal.
Consumer complaint received 2024-02-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TAYLOR MORRISON HOME FUNDING, INC. (SC)

We entered into a contract with Mattamy Homes on a new build townhome and agreed to utilize their lender Mattamy Home Funding. We received a Pre-Qualification from Mattamy Home Funding for the transaction and were advised that we would be contacted by representatives from their group for XXXX XXXX XXXX ( XXXX ) for credit counseling. There was a 3.5 % " Builders Deposit '' required for the transaction even though there was no customization allowed with the build. The builder chose all of the specs for the property. We were provided a closing date for the transaction. At no point were we contacted to be credit counseled. XXXX week prior to closing we were advised that we were not credit capable and our contract was counseled and advised that we were not going to be getting our 3.5 % deposit back. We feel that Mattamy did not act in good faith as they advised from the beginning we were in need of credit counseling but did not provide this service and at the last minute cancelled our contract. Mattamy knew that they were increasing prices and we feel that they wanted to obtain the higher home price. Now they are unwilling to return our deposit.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: National Credit Adjusters, LLC (TN)

I did not authorize this remove immediately National Credit Adju. XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, NCA. XX/XX/XXXX, XXXX. XX/XX/XXXX
Consumer complaint received 2023-06-13
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. (FL)

Experian is reluctant to remove incorrect and invalid information. I have been disputing for YEARS. Im pursing legal action at this point. I have submitted FTC reports with no response or change to my report. The account in question is XXXX XXXX from XX/XX/2020. Experian is unable to provide you a valid phone number or address for that invalid account. My report is also full of wrong information. They have an XXXX addresses their completely unrelated to me. 
the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX is also not my address. XXXX XXXX is never a name I have gone by! Its clear that my report is being mismanaged or mishandled by the credit Bureau Experian. Thy must correct all the errors.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (VA)

These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. XXXX  XXXX XXXX XXXX Midwest Recovery Systems
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2023-10-11
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX  because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

Subject : Urgent : Unresolved Refund Issue - Case XXXX Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern and frustration regarding the unresolved matter of an unauthorized transaction on my account, which involved XXXX. 

On XXXX an unauthorized transaction amounting to {$61.00} occurred on my PayPal account linked to my XXXX account. I promptly reported this incident to both XXXX and PayPal, providing multiple receipts from XXXX confirming the refund process initiated on XX/XX/2024. 

Despite XXXX 's timely action in refunding the amount, I am dismayed to inform you that PayPal has not released the funds back to my account. It has been over a week since the refund was initiated, and the delay in processing this refund is causing significant inconvenience. 

I have attached all the necessary documents, including receipts and communication from XXXX, to facilitate a swift resolution. I kindly request your immediate attention to this matter and urge PayPal to release the funds without further delay. 

I appreciate your prompt assistance in resolving this issue and look forward to a positive resolution.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I am expressing my profound disappointment and frustration regarding the handling of my many attempts to remove fraudulent items from my credit file. Despite numerous efforts on my part and the provision of extensive evidence, the response from your company continues to be inadequate, leaving me deeply concerned about the integrity of your processes and the impact on my financial well-being. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have failed to provide any indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling helpless and disillusioned with your company 's ability to handle this matter effectively.

Conduct a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Immediately remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/2XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed XXXX {$480.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00}.
Consumer complaint received 2023-12-12
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. (CA)

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. 

Account name : 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 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.

15U.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.

These inaccuracie are stopping me from getting a house for my family and car for kids.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (GA)

There are several inquiries on my report that I did not authorize and I would like to have them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THESE INQUIRIES IMMEDIATELY AS THOSE CREDITORS DID NOT RECEIVE MY CONSENT TO RUN MY CREDIT.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XX/XX/2023 {$550.00} XXXX XXXX XX/XX/2023 {$1600.00}