davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/2022 XXXX XXXX i receved a call from XXXX XXXX police department economic crimes unit on XX/XX/2022 from detective XXXX XXXX # ( XXXX ) notfy me they arrested two people who had all my information. they had my ssn id and cell phoe they ask if i gave them permission to have my belongs i replyed no and like two yaers ago somebody broke in to my car stoled at my partner work place with all information for some to use my name for any reson and now two years later i recived calls and debt collection letters from protfolio recovery aassociate llc own your account basically from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX them stating i have an account with them witch i never opend with they clam my acount number is XXXX and that i oew them over XXXX dollers i talked to them befor about it they wont freze my acount they keep sending me letters they even gave me a differnt address on the account witch that i never heard or even been at that location the adress on the statement is XXXX XXXX XXXX XXXX ca XXXX XXXX i never resedent nor lived in that adress im still resiving bills for that account if need to know more information like proff of this my email XXXX my # XXXX
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (MD)

My mortgage was transferred ( or sold ) to XXXX XXXX  in XXXX of XXXX.I have made all of the required payments on time however, XXXX persists in erroneously showing that my XXXXXXXX payment was delinquent.
Consumer complaint received 2022-07-12
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: Professional Debt Mediation, Inc. (FL)

In accordance with a fair credit reporting act [ PROF DEBT # XXXX, XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-23
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX  Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-06-18
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. (GA)

XXXX, XXXX, TransUnion- Hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX New XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, this was all pulled and added to my credit bureau without my wrighten consent and has violated my rights of privacy.
Consumer complaint received 2022-06-18
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)

XXXX, Equifax, XXXX Hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this was all pulled and added to my credit bureau without my wrighten consent and has violated my rights of privacy.
Consumer complaint received 2018-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC (IL)

XXXX XXXX XXXX is re-reporting a collection that I disputed in XX/XX/2018. The collection in question was subsequently deleted after the collection agency failed to properly validate the debt in question ... now they have reported it again to the credit bureau and have still not validated the debt per the Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ) ... Furthermore they are in direct violation of the Federal Hippa Laws ... A breach of protected health information ( PHI ) is defined as the acquisition, access, use, or disclosure of unsecured PHI, in a manner not permitted by HIPAA, which poses a significant risk of financial, reputational, or other harm to the affected individual.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I called Transunion to get my annual free credit report and Transunion said they stopped doing free annual reports, after that Transunion asked me for {$19.00} to see my credit report and score.
Consumer complaint received 2019-01-11
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. (FL)

My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor XXXX XXXX XXXX, XXXX is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act Us Dept of EdXXXX Acct 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 a account without my written instructions
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I do not agree that the said amount of debt is owed by myself, to XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by myself.
Consumer complaint received 2019-01-11
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: Diversified Consultants, Inc. (TX)

Several months ago I was contacted by a collection agency acting for XXXX XXXX, trying to collect on an account. I have never had an account with XXXX XXXX or any of their affiliates, and when I asked what it was about, they told me it was for cable tv service at an address I have never resided at. They entered a fraud report, and advised me they were returning the file to XXXX as " Fraud ''. Yesterday, XX/XX/2019, I learned that another Collection Agency, Diversified Consultants, of XXXX, Florida, filed a " Collection '' report against me with XXXX, claiming an unpaid bill of {$450.00}. I had no idea what this concerned, so Icalled them to find out what it was about. An employee, who identified herself as XXXX XXXX, with whom I spoke, told me XXXX had retained them to collect on the same claim previously determined ( and, apparently agreed by XXXX ) to be fraud. When I asked them why they filed a Collection report using their name as creditor, I was told that " we are only acting for XXXX, it is not our account. '' This is incorrect, as in that case, XXXX should be substantiating their claim ( which they never validated or verified the last time around ). Diversified gave me XXXX XXXX   number, and I called them and told them the same story, that this is not my account, I have never had an account with them, and have never resided at the place where the service supposedly was. They told me they were sending me a fraud package to complete, and that I would have to go to the police department and file a police report. I do not live in the suburb where the supposed claim exists, have no knowledge of this matter, and told them that I would send them their requested Sworn and Notarized Fraud form, but I did not have the time to go to the police department to file a report, did not know which police department to file it with, and would provide them with every thing else, including an Affidavit. I also advised them that I was upset that their collection agency had wrongfully filed a Collection with XXXX. Within two hours ( I have the ability to monitor my credit files ), I learned that XXXX  responded by filing ANOTHER Collection claim with XXXX. Again, they have not verified or validated their claim, should have information in their file from previous attempts to collect this verifying that the claim is fraudulent. The filing of the second Collection with XXXX   is clearly retaliation for my complaining to them about repeated attempts to collect on an obviously fraudulent account.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

i applied for a modificaiton/workout in XX/XX/XXXX to see if they could assist with reducing the payments since I don't have enough income to refinance ; In XX/XX/XXXX they presented me an offer that i declined - because it was only a reduction in payment for 3 mos and then would only reduce my payment by $ XXXX/mo ( this was not in any of my paperwork either ). 
I have not been late with my payments during this review period and declined it. They reported me late and/or in modification to the credit bureaus and have a " repayment '' payment option for me on their website when I make a payment. I remained current during their review, I continue to be current, i declined their offer, therefore, i'm not late and I am not in modification/workout. I have called 2x for a letter stating same and they won't send it. I want something in writing since so i can fix it with the credit bureau as my score dropped 30 points due to same, which is why i don't believe them, only mortgage reporting drops it that much in a 1 month period.
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (CA)

On XX/XX/XXXX, I attempted to place an order on XXXX 's website using Afterpay as the payment option. The website experienced a glitch and the order was never processed. My bank account was charged even though the order never went through, as many others on the XXXX XXXX XXXX site have reported. After repeatedly sending Afterpay staff requests for refund, Afterpay 's customer service has been totally nonresponsive and has yet to refund the charge to my bank account. There are hundreds of complaints online about Afterpay from consumers who have experienced the same thing and who also have great difficulty getting Afterpay to refund their charges. Afterpay was provided with multiple screenshots from XXXX managers ' emails demonstrating that the order was never processed, and they have still not responded to my request for refund. Reports have also been filed with the Attorney General 's Office in CA as well as with the XXXX XXXX XXXX XXXX XXXX XXXX, which previously required Afterpay to pay a {$900000.00} settlement for illegal loan practices in XXXX. It is clear that Afterpay does not believe that Federal or State loan requirements apply to their company, as they have denied hundreds of consumers refunds for orders never placed.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX "
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

It was reported on my credit on XX/XX/XXXX that I owe money to XXXX. I have never received anything from XXXX XXXX ( the collection company ) or spring on this saying I owe money. I havent even been with XXXX for 6 months. I can not find any contact information to dispute this with convergent as I am unable to find a number or even website. I do not believe this debt is mine. And XXXX had and has always had my updated information.
Consumer complaint received 2018-11-14
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. (FL)

Equifax has improperly handled credit report blockage under FCRA 605B. All of my data has been compromised because of your company ( Equifax ) breach. The accounts showing up on my credit file should be block due to fraud. I have filed a report with FTC several months ago and submitted this information to your company to have this issue resolved. The other two major credit bureaus have removed all fraudulent accounts. Equifax is the only company that will not comply with FCRA regulations. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau must block the reporting of any information resulting from identity theft. 

I have attached Proof of Identity, residency, and FTC ID report.
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (MA)

Throughout the week of XX/XX/2018, I placed multiple calls to XXXX to try to determine what loan numbers linked accurately to the XXXX account numbers. I spoke with XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX, # XXXX and XXXX # XXXX. I received conflicting information on multiple calls as to which loans associated with which name and account number. This transfer has been extremely difficult from a consumers perspective when customer service can not accurately assist in locating payment or relay the correct information. 

After calling XXXX on XX/XX/2018 they informed me that they are no longer forwarding payments to XXXX and will not forward the XXXX and XXXX payments we made to XXXX. Additionally they can not provide information as to when they will refund our monies. In good faith we paid the past due payments to XXXX on XX/XX/2018 making duplicate payments for XXXX and XXXX. 

Furthermore, MEFA continues to not credit my account after I have paid. This is ridiculous. 

I'm in the process of trying to buy a house and this is killing my credit. I'm not sure if they are just completely incompetent or trying to steal my money. I should have to call them every month to help them find the money I paid them.
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (VA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2015 Amount : {$740.00}
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

We filed Chapter XXXX on XX/XX/XXXX. Toyota was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
Toyota is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from XXXX.
Consumer complaint received 2018-11-13
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)

Today XX/XX/2018 I received from XXXX credit reporting agency the results from an investigation. XXXX did nothing because the before and after investigation is all the same. I am uploading pictures to show proof. XXXX writes they have updated the information and review my report. First off this XXXX XXXX XXXX account is fraudulent. I have been disputing this for over a year now. It is extremely frustrating that my credit is being impacted in a negative way for a fraudulent account.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

StartingXX/XX/XXXX, the three major credit reporting agencies, Experian, XXXX, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, XXXX, and Experian credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, Experian, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, Experian, XXXX, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX XXXX XXXX stating they will be servicing my XXXX XXXX XXXXXXXX XXXX loan. This loan appeared on my Equifax credit report under XXXX XXXX XXXX  until XX/XX/XXXX. On XX/XX/XXXX, my Equifax Credit report showed two loans, one for XXXX and one for XXXX XXXX. 

On XX/XX/XXXX, I filed a dispute with Equifax stating that XXXX was serving my XXXX XXXX XXXXXXXX XXXX loan. It was explained that XXXX was a loan-serving company and not a financial institution issuing loans. On XX/XX/XXXX Equifax released the findings of their investigation. Equifax stated through a third-party vendor investigation of public records the information on my credit report was correct. I have contacted both XXXXXXXX XXXX XXXXXXXX XXXX XXXX and both companies deny any inquiries by Equifax regarding this issue. 

The Credit Report Equifax is providing is incorrect and overstates my liabilities, effecting my ability to obtain credit.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION (NY)

Oportun/XXXX  credit card opened in my name and now has a owed balance of {$350.00}. I have no aware of this card and would like it to be removed from my credit asap. XXXX XXXX XXXX, Im not sure what this is on my credit report as well.
Consumer complaint received 2020-12-16
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)

I would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!