davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC Corporate Services Company XXXX XXXX XXXX, XXXX XXXX, LA XXXX To : The Office of Registered Agent for Portfolio Recovery Associates, LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 


You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  XXXX XXXX. is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I had {$600.00} spent in XXXX {$200.00} transactions on my Debit Card at XXXX XXXX XXXX in the very early morning on XX/XX/XXXX. Wells Fargo nulled the last transaction and notified me. I called them as soon as I awoke to report the fraud, and they opened an investigation but did not manage to refund me the {$400.00} and did not notify me when they were done with my claim, what they found, or why my money was not refunded. I have attached the last communication they had with me on this matter which said they would " let me know what they found out when their research was complete '' but they never did. 

I received a new debit card.Now It is XX/XX/XXXX and once again I had over {$700.00} of my money spent fraudulently on my new debit card. Wells Fargo has clearly had a security breach or is not doing enough to protect my information even on a card that is barely used. I am worried I will be lost in the same black hole of their claims department with no recourse and be out over {$1000.00} just because of using Wells Fargo.
Consumer complaint received 2017-09-17
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: EQUIFAX, INC. (GA)

On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX XXXX
Consumer complaint received 2022-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service (NV)

I sent a debt validation letter due Clark County Collection Services XXXX hss file a complaint with court. Instead provided medical records which is direct violation of HIPPA Regulations. I never signed a HIPPA Form authoritizing them to have access to my medical history or treatments. On XX/XX/2022, I was sent out a debt validation letter from Clark County Collection Services XXXX providing full disclosure of medical treatment and procedures. It is violation of my rights!
Consumer complaint received 2022-10-26
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. (SC)

Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX  ( Original Creditor : XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2019 Capital One Bank mailed me a denial letter to inform me that my credit card application request can not be reviewed at this time because : based on the application information, income is insufficient for requested credit. 
Application ID : XXXX NOTE : I did not apply with this or any other bank in attempt to obtain any credit accounts whatsoever.
Consumer complaint received 2024-03-13
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. (TX)

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts I have made to rectify late open account associated with my financial profile. The persistence of these inaccuracies is causing significant inconvenience and distress.

The late open account that has been inaccurately associated with my financial history are adversely affecting my creditworthiness and overall financial well-being. I first brought this matter to your institution 's attention, and since then, I have made several diligent attempts to have it resolved. Regrettably, my efforts have not led to any meaningful resolution.

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation.

Undeterred, I submitted a second request, reiterating the evidence that these late open account is indeed erroneous. To my dismay, this request was also denied without any indication of progress or resolution.

I can not overstate the serious consequences these late open account has on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals.

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be erroneous, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score.

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly.

Please maintain open and transparent communication with me throughout the resolution process and provide regular updates on the status of my dispute. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$5600.00}.
Consumer complaint received 2022-12-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Back on XX/XX/2022 I updated XXXX about a wrong address for a creditor that was listed on my credit report. The creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax had the same creditor listed with address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX The Creditor was removed after the realization but the defamation to my character was already done and has caused me many hardships to my life and family. I was never updated about the removal or any update to my credit score from either credit reporting agency. This was a grave error and their responsibility to complete accurate investigations before reporting on me as a consumer.
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I contacted Bank of America regarding the following charge that I don't recognize : XX/XX/2021 XXXX XXXX XXXX KS for {$690.00} XXXX sent them a letter over a month ago to : Mail billing inquiries to : Bank of America XXXX XXXX XXXX XXXX TX XXXX I have received no response at all
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Freedom Mortgage Company (CA)

Subj : XXXX XXXX Dispute Date : XX/XX/2020 Property : XXXX XXXX XXXX XXXX   Loan No : VA Loan XXXX As a result of Refinance Cancellation To Whom it XXXX concern : I am disputing late payment issued By Freedom Mortgage for the amount of {$3300.00}. I have a letter from Freedom Mortgage dated XX/XX/2020 the day my Refinance was revered from VA Loan # XXXX to VA Loan XXXX ; that I had one payment overdue. I made an electronic payment as directed by them until they revered my XXXX payment and once it was received they would retro act my payment for XX/XX/XXXX, which they did not. This conversation took place on XX/XX/2020 and it was confirmed by email with XXXX XXXX, Freedom Mortgage Customer Care department. I have tried to reach out to Freedom Mortgage Corporation on several occasions, with no positive results. This is the assistance I had received from them. 

Freedom Mortgage ( FM ) reported to the Credit Bureau for two late months delay, on the contrary my mortgage payment was 12 days early in XXXX and 2 days before final due day in XXXX. ( Please reference bank statement and Freedom Mortgage website snap shot ) Background : The documents will show that house payments were submitted on time. In the process of refinancing and cancellation of the refinance the refinance I believe had lack of communication among their corporation. The refinance department did not communicate with billing or customer care department. I made dozen of calls and I have emails from the refinance that had assure me that the reverse refinance would be completed and my XXXX house payment will be retroactive XX/XX/XXXX to match what shows on the record. 

I have included supporting documents from my bank statement, Freedom Mortgage monthly statement, which shows that Freedom Mortgage clearly accepted payment. I have also included a screen shot from Freedom Mortgage Corporation website that show payment dates funds were accepted. 

I have several calls, emails, since XX/XX/XXXX trying to communicate and resolve this dilemma on my own and as a results the company ruined my XXXX XXXX without no cause. Freedom Mortgage falsely reported late payment to the Credit Bureau. I am a VA XXXX member of the XXXX XXXX with an impeccable record and would like to restore my excellent standards. 

I received a call today from Freedom Mortgage Corporation, Escalation Department from XXXX Agent No. XXXX today and told me she will be escalating my issue to the Credit Bureau to see if they can reverse the bad credit. They took accountability of their error and they said they would try to work with you. This is why I am reaching out to you as a Military Surviving spouse of a XXXX   military member. Please advise what else I can do to restore my XXXX XXXX XXXX. I can provide contacts and email that would validate that I have tried to reached out for help. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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. (GA)

Ive asked XXXX XXXX to provide proof of ownership for the account they having reporting on my credit file as of XX/XX/2022they still havent provided proof of ownership of this account. Also, there were unauthorized charges on this account that I disputed still waiting on XXXX XXXX to provide me with all signatures provided on each and every transactions. I disputed that within the 30 window and still nothing, this company should not have been allowed to report anything to the credit bureaus. This company is in violation of The Fair Credit Reporting Act m. Please remove account from all three credit bureaus immediately.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally address my dissatisfaction with the multiple unsuccessful attempts I have made to dispute fraudulent items on my credit report and to request expedited removal of these inaccuracies. The continued presence of these fraudulent items is causing me significant distress and adversely impacting my financial well-being. 

Despite making many diligent attempts to dispute these fraudulent items, they persist on my credit report, tarnishing my creditworthiness and making it difficult for me to access financial services and opportunities. 

I initially brought these fraudulent items to your attention, providing all necessary documentation and evidence to support my claims of their inaccuracy. However, to my disappointment, my dispute was denied without a thorough investigation or clear explanation. 

Subsequently, I made additional attempts to dispute these fraudulent items reiterating the evidence of their fraudulent nature. Despite my persistence, these disputes were also met with denials and delays, prolonging the negative impact on my financial standing. 

I urge you to prioritize the expedited removal of these fraudulent items from my credit report. These inaccuracies not only damage my credit score but also undermine my financial credibility and integrity. 

Furthermore, I request that your institution enhances its dispute resolution process to ensure that legitimate disputes are thoroughly investigated and resolved in a timely manner. It is crucial for consumers like myself to have confidence in the accuracy and reliability of credit reporting systems. 

Please provide me with regular updates on the status of my dispute and the progress towards the removal of these fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$770.00}.
Consumer complaint received 2024-03-13
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. (IL)

I sent a request to you to reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
US DEPT ED XXXX Balance : {$990.00} US DEPT ED XXXX Balance : {$1000.00} - US DEPT ED XXXX Balance : {$680.00} - US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}
Consumer complaint received 2022-05-30
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. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again XXXX  XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2022-05-30
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again XXXX  XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2020-11-10
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. (NH)

My credit score with Transunion and XXXX was dropped 31 points with no explanation, I've been trying to contact them but with no success, this is making my finances explode in a very bad way when it should have never happened seeing all my accounts are current Thank you XXXX XXXX
Consumer complaint received 2024-03-13
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. (MI)

This is my Follow up complaints in my request dated XX/XX/2024 that I have tried to resolve the issue regarding the accounts in my credit report. However until now I do not received any responses about my complaints. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-18
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. (NC)

his is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my XXXX XXXX XXXX. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THANKS
Consumer complaint received 2022-12-18
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. (NC)

his is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my XXXX XXXX XXXX. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX, GAXXXX XXXX XXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THANKS
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (GA)

As a victim of identity theft, I discovered several unauthorized inquiries on my report, are as follows : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX