davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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 (GA)

This letter is regarding account # XXXX, which you claim I owe {$230.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (SC)

I sent the company a certified letter on XX/XX/ to Hunter Warfield XXXX XXXX, located at XXXX XXXX XXXX XXXX in XXXX FL. The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. 

It was to indicate that the {$2200.00} debt that they say I owe does not belong to me. I did not sign a contract or any form of agreement with this company. 

To date, I have not received a response from them, and the debt remains on my credit report.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am having problems with the way this creditor report transactions : I got a cash advance from my credit card ending in XXXX of {$300.00} at XXXX XXXX  on XX/XX/XXXX. 

I paid the cash advanced right away on XX/XX/XXXX CAPITAL ONE ONLINE PMT XXXX ACH {$310.00} {$1100.00} TRANSACTION DETAILS Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Type : ACH Even though my payment was made after the cash advance from the ATM, the defendant fraudulently posted my payment before the cash advance was made. Thus by not crediting the cash advance in a timely manner according to the proper bookkeeping practice : " First in first out '' the defendant will be charging interest on a debt that was already paid. on XX/XX/XXXX. 

My XXXX payment to CapitalOne occurred latter than XX/XX/XXXX : See info : XX/XX/XXXX CAPITAL ONE ONLINE PMT XXXX ACH {$310.00} {$1100.00} TRANSACTION DETAILS : Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Type ACH
Consumer complaint received 2023-01-21
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)

The status is incorrect for the following accounts an these accounts are not mine. 
XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX. Balance : - XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Identification number XXXX Date filed XX/XX/ Status XXXX XXXX  bankruptcy discharged
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed acct listed in document.
Consumer complaint received 2023-01-15
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. (GA)

I have requested twice for credit bureaus to provide validation of debt, amounts and to include copy of original signed contract and to date no verification was received for services discrepancies with no verification received. 2 attempts made to Equifax information service XXXX XXXX XXXX XXXX XXXX GA XXXX the 1st letter sent on XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX and 2nd attempt made XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

Even though we submitted signed documentary proof that a former XXXX XXXX  client XXXX XXXX lied to PayPal and their bank that their credit card was " duplicate charged, '' thus initiating a fraudulent credit card charge back, as opposed to the truth which was that she was first refunded because XXXX would not release our money for many weeks thus delaying her emergency XXXX XXXX  required, before making a second charge on her own, PayPal is still refusing to release our {$5000.00} money, which is negatively affecting our ability to pay our employees, our office rent, insurance, and other day to day operations of our XXXX XXXX. 

Please urgently investigate and advise.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

Affirm repeatedly attempted to charge the wrong debit card on my account and continued to do so after I asked them to change to a different card. It still appears on my credit report XXXX years later and is negatively impacting my score.
Consumer complaint received 2015-06-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (AK)

I have a car loan with Prestige Financial. They are a predatory lender and I believe they have been involved with criminal activity by defrauding me for the past XXXX years while I was making my loan payments. For XXXX years I have paid my loan and not XXXX has went to the principle. They have charged me so many fees that its impossible to pay off the loan. I have stopped making my payments and informed them that all communication will be done in writing which they do n't want to do. I will not talk to them on the phone because they lie and like to twist the truth so I want all communication to be done in writing so i have a record of what is said, which they do n't want at all. I told them I want to go to court to let a judge decide what is fair. They have called and continue to call my family, friends and my Jb. My job has let me know that they are harassing them and calling them numerous times a day. I have been in contact with prestige and demanded them to stop contacting my employer but they still do n't, and they keep calling them to strong arm me into a solution to benefit only them like the XXXX would do or a criminal organization. This is a strong arm attempt trying to force something on to me which I believe is illegal and not fair. I have explained to them that they can contact me any time by email, text or mail. They send them threating text 's all the time and I told them to file court papers because I am ready to go to court. They have also called my son and told him they will have him arrested which is completely against the law and they are lying to him to scare him. Because they are a predatory lender they do n't want to go to court and face a judge they just want to continue to harass me when I have made it clear I want to go to court. I believe they are in violation of the law to continue to contact my employer which could get me to lose my job and to harass my friends and family when they can get a hold of me, but they choose not to do it in writing.
Consumer complaint received 2022-10-04
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. (WV)

I noticed a hard inquiry on my credit report that I had not permitted nor did I know the company. I set about calling XXXX XXXX XXXX who was listed as a hard inquiry on Transunion. This institution took my information and confirmed that I had never applied for nor had an account there. I asked her to email me that information but she said she " couldn't ''. I chatted on line with a dispute specialist from transunion who suggested I file a POLICE REPORT! or ... .write to you. Why SHE couldn't request the info from the bank I do not know. Complaints about hard inquiries are ONLY handle through USPS. No calls, no online forms, and no email. At this point I'm feeling very frustrated and confused. I'm working hard to get my credit corrected after divorce, retirement, and XXXX. Things on my reports I owed I have paid. Now, there are things that are scandalous! As I continued to work on the XXXX side of my report, low and behold, a hard inquiry for the same date ( XXXX ) but for a DIFFERENT COMPANY! XXXX XXXX. I call them, they tell me the inquiry came from XXXX XXXX XXXX XXXX. Never heard of them either. I call, low and behold, they are connected to the scam artists I hired to help me with taxes ( they didn't ), called XXXX XXXX XXXX. I feel this whole thing has cost me money, time, and half my sanity. The folks XXXX XXXX XXXX were useless and charged me for nothing, now, without my consent there's a hard inquiry. They swear they only do soft ones, but I can read. Please help. XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I sent out a second dispute regarding 3 accounts on my credit report. I requested that pursuant to The Fair Credit Reporting Act 15 USC Section 1681, Experian send me the physical verification of the original signed consumer contract, the verifiable proof ( an original consumer contract with my wet signature on it ) and all documents included in each accounts file. On XX/XX/XXXX I received a letter from Experian stating that my second reinvestigation was complete. Experian failed to provide me with any information I requested in the second dispute and accounts were labeled as updated. This company has consistently violated the Fair Credit Reporting Act and continues to furnish unverifiable information on my behalf with out my consent. They assumed this role and are violating the Fair Credit Reporting Act by not completing a proper investigation. I have included all correspondence in an attached pdf that gives proof they violated my right.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

Always seem like I was being charged twice for things. Like I can make a purchase & I can see the money taking off then but later I check again & was charged again. I mention this before but I could never get an correct answer.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

Dear ERC Enhanced Recovery Company Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX PARTIAL ACCT # # XXXX XXXX  PARTIAL ACCT # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Name : XXXX XXXX XXXX Account # XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$490.00} Date Updated : XX/XX/XXXX Original Amount : {$490.00} Original Creditor XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$460.00} Date Updated : XX/XX/XXXX Original Amount : {$460.00} Original Creditor : XXXX Past Due : > $ XXXX
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CT)

I had a cellular account with  XXXX  which I transferred to another carrier in  XXXX .  XXXX  sent me a an incorrect bill for the month I transferred the service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was incorrect. I have this documentation in writing as a online chat transcript from  XXXX  that I will be submitting with this complaint.      XXXX  never corrected the bill. Rather, they first turned it over to collection agency called  XXXX   XXXX   XXXX   XXXX  in, and around,  XXXX   XXXX . I became aware of this when my excellent credit rating dropped. I immediately notified the  XXXX  credit rating bureaus and they removed this from my file when I provided them the  XXXX  transcript.      XXXX  in, or around  XXXX   XXXX , then turned it over to another collection company call ed Afni, Inc.   They reported it as negative on at least  XXXX  credit reporting agencies  XXXX   &  XXXX  . I again, reported it as a dispute and  XXXX  deleted if from my file. However,  XXXX  came back and reported to me that it was a correct bill based on the feedback fr om Afni, Inc. a nd still have it as a negative in my file.     On  XXXX   XXXX ,  XXXX  I wrote to both  XXXX   & Afni, Inc ou tlining the situation including the transcript directly from the vendor,  XXXX , that indicates the bill is not correct. They both have come back and reported to me that  XXXX  now says the bill is correct and   XXXX   will not remove it from my credit file and  Afni , Inc. indic ates they may resume collection activities.     Apparently if a vendor tells   XXXX   and  Afni, Inc that a  bill is correct, even if they have themselves verified it as a incorrect bill,  XXXX  and  Afni , Inc. will  take the word of the vendor over the customer. I have a  XXXX  plus year credit file with no negatives. This has been a tremendous amount of work and has negatively impacted m y credit score  by  XXXX  to  XXXX  points. I respectfully request that you assist me with resolution of this matter.
Consumer complaint received 2023-05-12
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. (WV)

According to my credit report, my student loan account with your institution has been reported as late, which is not accurate. Additionally, my student loans are being reported twice on my credit report, which is also incorrect. 
I want to clarify that my student loans are currently deferred, and there have been no missed or late payments on the account. However, it has come to my attention that the account is being reported twice on my credit report, which is causing confusion and inaccuracies in my credit history. 
I would like to request that the double reporting of my student loan account be corrected as soon as possible. I would also like to request that the account be updated to reflect that it is currently in deferment and there have been no missed or late payments. 


XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 

Accounts : XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX have 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 : 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 report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

The Credit bureaus stated Lvnv funding {$26000.00} & lvnv {$26000.00} was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and hit me with debt parking I didnt receive a letter or call claiming this debt was mines they just reported this to the credit bureaus.This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.And now Im exercising my rights to opt out as my consumer right.
Consumer complaint received 2022-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS