davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (MA)

Thank you for addressing and removing some of the inaccuracies in my credit report. However, there are still a few items left that require further removal. While reviewing an updated copy of my credit report, I discovered that some of my credit references are still not included in the removal but have been reported and verified. Please re-investigate and remove the 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and delete these disputed items. Please forward me the name and address of the persons contacted. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address provided.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified an account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the bank related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

PayPal limited my account 's ability to send and withdraw funds for no clear reason on Sunday, XX/XX/year>. They asked me to submit some valid documents including my National ID, proof of residence, and bank statement ( I was unable to provide the bank statement, but I spoke with one of their online agents who assured me there was nothing to worry about. She said she would submit a ticket explaining that I couldn't provide it because I haven't opened a bank account for myself yet ; I simply send money directly to my brother 's bank account ). The amount of money in my PayPal account is {$120.00}, which I earned as an XXXX XXXX XXXX for XXXX. I provided them with proof that this amount came from my earnings as a freelance worker. 

After submitting the required documents, my account was permanently limited, preventing me from accessing my funds. Following the restriction, I noticed I was unable to contact any agents to inquire about what had happened. I emailed them to request clarifications and a detailed review of my account, but I have not received any response. 

I understand there are rules in place, but I did not engage in any unlawful behavior to earn this money. I can provide evidence that the money was legitimately earned from the company and was not obtained illegally. I want to complain because holding my funds for 180 days is absolutely unfair. I am still in college and work while studying, which is why I rely on these funds to fulfill urgent financial obligations.
Consumer complaint received 2024-07-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NJ)

Hello I am a victim of identity theft. I am a retired citizen in XXXX XXXXy XXXX with no criminal record or do not owe any collector anything. I have included The identity theft form from the government. My names are wrong, ssn, and addresses I never lived in XXXX XXXX XXXX XXXX. Pls remove or verify my information. I do not owe these collectors.
Consumer complaint received 2024-07-31
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)

To Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : XXXX XXXX XXXX XXXX XXXX Ref # XXXX I believe this item is inaccurate and should be removed from my credit report for the following reaso

ns : 1. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 2. I pulled out of the bk and never completed the process. Started back paying my debt Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation
to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report.

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (AZ)

My business purchased a vehicle through XXXX. The primary holder on the loan was my company. I myself was a personal guarantor for the loan. I spoke to several people at XXXX for more than a week straight whom all promised this could be done and the info would not appear on my personal credit unless the loan defaulted. The calls were recorded. After the loan was signed, the vehicle immediately reported on my credit as a cosigner. I called the company back and now they are saying that it's not their problem because the loan was sold to Ally Financial. I trusted this company to do what they said and I have a copy where it shows I signed as a PG
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/year>, I mailed a dispute letter to LVNV FUNDING LLC, requesting an investigation into inaccurate items on my credit report. The account in question is reported inaccurately and with incomplete information. Specifically, I requested that LVNV FUNDING LLC provide a copy of the written agreement that created my original requirement to pay. 

Despite my clear and thorough request, I have not received any response from LVNV FUNDING LLC. 

It appears that LVNV FUNDING LLC has violated my consumer rights by not providing the requested debt validation documents upon receipt of my dispute. This lack of response and investigation is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-07-09
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. (IL)

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Finance System of Green Bay, Inc. (WI)

I asked for the date that the bill was due. This bill is too old to be on my credit report. They are going by the date Small claims filed, which is Long after the bill was due so they should not be on my credit report
Consumer complaint received 2024-07-05
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. (OK)

I believe my sister used my social security number to obtain student loans from XXXX XXXX, and then in 2014, XXXX XXXX sold them to XXXX, so now I believe I am paying for my own student loans as well as my sisters
Consumer complaint received 2024-06-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB Corporation (NC)

This is not my debt. This debt belongs to someone with a different name than mine. The company has fraudulently reported the debit to credit bureaus added an address that I have never lived and it is now on my credit report. I have not been notified of the debt. Also this company is can not legally collect a debt in the state in which I reside.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MD)

In XX/XX/2023, my federal student loans were forgiven as part of the Public Service Loan Forgiveness Program. I received the official later the next month ( dated XX/XX/2023 ). The student loans continued to show on my credit report. In XX/XX/2023, I filed disputes with the credit bureaus which were closed when Mohela incorrectly reported that my loans still maintained a balance. I emailed Mohela and recieved no response. I think called Mohela and was told the credit reporting process had started in XX/XX/XXXX, but could take up to 90 days ( I was given a day in early XX/XX/XXXX as when the process should be complete ). I then recieved a response email ( after the date I was given over the phone ) stating that credit reporting could take 60-90 days. I responded that it had been over 90 days, but received no response. On XX/XX/23, I called Mohela. After providing the above information, I was transferred to the resolution center. I've currently been on hold waiting for someone to answer for 108 minutes.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (SD)

Discover credit card, Still hasn't sent anything about any program for the pay off or collections! I still get treated pretty poorly and very little help from any department. My account again is in locked our and bad account status... I've been dealing with company for over XXXX years doing this and blocking my number, long hold times, some XXXX XXXX however you spell her name sending Me letters with contact information and can never get a hold of her. I'm very frustrated and such with this company
Consumer complaint received 2024-07-31
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (VA)

Closed on home XX/XX/XXXX moved XX/XX/XXXX was paying my monies to Wells Fargo until XX/XX/XXXX but they cant tell me about my funds from XX/XX/XXXX XX/XX/XXXX mortgage was put in someone elses name and they put it on a conventional loan so really wasnt mine until actually XX/XX/XXXX. They had the nerve to tell me that they didnt keep records back that far I got in contact with the mortgage company MT bank , who sold the mortgage to and they also have me down for three different mortgage account numbers and Wells Fargo on my form paper form here they have my interest rate at XXXX and the interest rates for the XXXX then somebody came to my house from Wells Fargo and changed everything over to for me to refinance within a year didnt know where they came from just came to the house and reduced my finances charge to XXXX they had me paying {$2000.00} that will be including {$640.00} on principal and {$1300.00} interest and like I stated they had three different loan numbers on this account
Consumer complaint received 2024-06-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc. (TN)

I submitted over 3 different complaints on cash app and never receive any good customer service at all my request to the dispute team was ignored and I was forced to restart the process over and over again. I Received a XXXX dollar payment from a friend for a business transaction, and it shows the payment was completed but my money is not there. I then attempted to put in several disputes but only got ignored
Consumer complaint received 2024-06-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification, If in fact you believe that i received proper notification, Please provide the certified mail with a receipt that has my signature on it stating that i received it. 

Also, this account has been closed as of XXXX XXXX according to my report it is currently still being updated on my credit report as of XXXX XXXX which isn't true. this isn't reported on the other XXXX bureaus which is XXXX and XXXX. which all three must comply with each other.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I have Wells Fargo Everyday Checking account ending in XXXX. It was open with a promotion that if I deposit {$1000.00} or more within the first 90 days of opening it, I will get {$300.00} cash back. {$1000.00} Direct deposit happened on XX/XX/year> but no cash back till now.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

Complaint Details : I am filing a complaint against Nelnet for continuing to report my student loan debt inaccurately despite receiving a XXXX XXXX of a XXXX, which indicates the debt should be considered canceled and reported as paid in full. 

Key Points : 1. Incorrect Reporting of Student Loan Status : I received a XXXX XXXX of a XXXX from Nelnet, indicating the cancellation of my student loan debt. Despite this, Nelnet continues to report this debt on my credit report as active and unpaid, which is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
2. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. Nelnet has failed to ensure that the information they are reporting is accurate and complete. 
15 U.S.C. 1681c : Requirements relating to information contained in consumer reports. Reporting of canceled debts must be updated to reflect the accurate status. 
3. Neglect of Consumer Rights : Nelnet ignored my formal request to correct the reporting of my student loan status, which constitutes a violation of my consumer rights under the FCRA and the Electronic Funds Transfer Act ( XXXX ).
Consumer complaint received 2024-06-28
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. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (CO)

15 U.S. Code 1692c - Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock XXXX  and before 9 oclock XXXX, local time at the consumers location.

Also, the address listed on the account is inaccurate.

XXXX XXXX XXXX  has never been my address.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX account on XX/XX/year> a Debt collector named " Portfolio Recovery '' at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' placed a debt collection on my account for {$460.00}. 

this account is not mine and is inaccurate, not mine, not reporting correctly and is violating multiple FCRA laws including FCRA 's [ 15 U.S.C. 1681s-2 ] section 623 ( a ).

In order for a debt to be on a consumers credit report, that consumer must either have been the account holder or a joint account holder ( also referred to as a co-maker ) and not just a authorized user.
Consumer complaint received 2024-07-03
Product: Credit 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: Paypal Holdings, Inc (CT)

Police Report XXXX XXXX XXXX XXXX XXXX  and FTC Identity Theft Affidavit ( XXXX XXXX XXXX ) are attached. From the filed police report : Subsequent to the incident outlined in Report # XXXX, there is an additional fraudulent charge of {$10000.00} on XXXXXXXX XXXX  ending XXXX. The transaction took place through PayPal and the money was sent to an individual ( XXXX XXXX XXXX XXXX XXXX  The transaction was categorized under 'Consulting Services ', however I never spoke to XXXX XXXX XXXX received any products or services from this person. Additionally, according to the transaction ( XXXX ), the 'Ship to " recipient is XXXX XXXX XXXX XXXX and the address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The demographic information differs significantly from my own and I have no association with either this person or address. I was told by a PayPal representative that a 'Stolen Instrument ' report had been filed, but I received no further information on that action. 

Reporting agency XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I received a letter from Continental Services Group LLC claiming I owe {$230000.00} and offering settlement options. I think they are the same company who have been calling according to my wife, whom as asked them to stop on numerous occasions