davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP (NY)

On XX/XX/XXXX, a sheriff came to my home and served me with paperwork from Pressler , Felt & Warshaw , LLP. The paperwork states its a debt from XXXX in the amount of {$1800.00}. Not only was this tactic extremely intimidating ( I have XXXX and this brought back a lot of XXXX for me ), it was also very embarrassing and humiliating to have a XXXX come to my house for this purpose. I work virtually from home and this was done during my work day while speaking with clients. The paperwork does not give any detailed information regarding what this XXXX debt is for, and I am now being harassed almost 10 years later! In the paperwork it states that I have 20 days to make a payment or my employer will be contact so that my wages will be garnished at a RIDICULOUS amount! Since receiving this paperwork, Pressler , Felt & Warshaw , LLP have called me every single day at least 4 times per day. I feel harassed, bullied, threatened, and intimidated by Pressler , Felt & Warshaw , LLP. I do not have the financial stability to make a payment within 20 days, let alone to be garnished over {$280.00} per paycheck. I am a single mother who is trying to make ends meet.
Consumer complaint received 2023-11-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

On XX/XX/2023, I reviewed my consumer credit report and discovered a collection listed for {$1300.00} related to an XXXX XXXX account. Additionally, I observed an unfamiliar address, XXXX XXXX XXXX, XXXX XXXX, TX XXXX in XXXX XXXX, associated with my credit report, despite never having lived there. Upon further investigation, I confirmed this information by contacting the listed collection company, Sequium Asset Solutions , LLC. 

Upon contacting Sequium, I provided them with my information, and they promised to send me a fraud packet. Once received, I promptly filled out the packet and reached out to inquire about the submission process. Surprisingly, Sequium informed me that they had returned the collection to XXXX XXXX, and I would need to contact them directly. 

Subsequently, I contacted XXXX XXXX, and they assured me they would send a different fraud packet for me to complete. I have received this packet from XXXXXXXX XXXX, filled it out, and intend to submit it once I have gathered all the required information as outlined in the packet. Furthermore, the packet instructs me to complete an online FTC complaint and document the case number for reference. I will follow these instructions to address and resolve this matter.
Consumer complaint received 2023-11-19
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. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX day of XXXX, 2023 Subject : Dispute of Incorrect Information on My Credit Report Dear LVNV FUNDING LLC, I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigate and rectify these discrepancies to ensure the accuracy and integrity of my credit profile. 

The incorrect information is as follows : [ LVNV FUNDING LLC ACCOUNT ENDING IN XXXX XXXX ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. 

As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. 

I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent disputes to XXXX and its been more than 30 days since I heard from results of disputes. Most of all of my disputes are older than 129 days or they are charge offs or they are in limbo and action is not being taken expeditiously
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (TX)

I received unemployment benefits thru XXXX XXXXXXXX XXXX XXXX .and I received my payments thru US Bank.for past 2 half months I been having issues US Bank has put hold on my AtM card because I was asked to provide my identity. Which is impossible .after I explain to the customer service representative .due to all my documents were burn in house fire Back XXXX XXXX .I 'm a Permanent Resident since was 5 yrs old my is my social everything was burned including my other phone I have send. US bank a photo of my Identity I'd card that was given to my by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXXThey refuse.to accept it .I tried a lot times to get my money from bank .they refuce to close the account which it was open thru XXXXXXXX I have received .nothing but negative results from US Bank .I had to change my account thru my bank I used in past 5 yrs ..US Bank still holding my money all i ask for my money in check or lift hold that has in my AtM CC card
Consumer complaint received 2018-11-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is XXXX. 
on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

PayPal permanently banned me from using their services on XX/XX/. This action was taken because they believed I had consistently filed cases that did not align with the intent of the PayPal Purchase Protection Program and were contrary to the terms outlined in their User Agreement. They have decided that I am no longer allowed to use PayPal 's services. Despite granting me refunds and chargebacks because the seller did not respond, they failed to inform me that my account was under review. They also alleged that I initiated a chargeback on a closed case, even though it had been denied by them. They directed me to contact my bank, and now all my accounts, including those of my family members, have been banned, adversely affecting my online e-commerce business. PayPal provided me with inaccurate information via email, instructed me on necessary actions, and subsequently suspended my account, despite the seller 's failure to fulfill their delivery obligation. Furthermore, when I reported the transaction, they issued a refund, disregarding my evidence and labeling me a " risk, '' despite my long-standing use of PayPal. Additionally, they banned my family members ' accounts, even though they were not involved in any wrongdoing. For months, I've been expressing concerns about the pizza company 's actions towards me. My orders either never arrived or were incorrect. Unfortunately, my attempts to voice these issues have resulted in repercussions for me, while the seller faced no consequences. When I reported the transaction, XXXX XXXX failed to respond, prompting PayPal to refund my money. Now, I find myself accused of misusing this system, which I have not done.
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I have been a part-time student through XXXX University this Fall XXXX. My student loans have come from multiple colleges during my studies, but Nelnet has serviced them all. I submitted a request for deferment first to Nelnet as directed by their email, in which I received notice that my loan was due that month on XX/XX/XXXX  through their website. When I submitted the deferment request, the website said they would contact my school and get back to me. However, I never received any notice about them contacting my school or any update on the status of my deferment, only a reminder email that my payment was due that month again. I sent another request on XX/XX/XXXX and am still waiting to receive any information from Nelnet related to my deferment requests. Except to receive an email stating that they considered my account " past due '' and requesting {$650.00} as of XX/XX/XXXX, considering I notified Nelnet on multiple occasions and gave them time to contact XXXX to verify that I am attending, I should not have to make the payment, nor should it be " late '' since I was a part-time student and should not have to make payments yet. I searched Nelnet 's website, hoping to locate records of my deferment requests that I made through the website, which is supposed to be the proper method of requesting deferment. Still, this information is not available on the website to students. Perhaps they likely do not want evidence of their misbehavior to be easily accessible to students. I am a night shift XXXX, so it is difficult, at best, to contact Nelnet by phone during their regular business hours. For clarification, the FA from XXXX was related to charges being taken off of the bill because we were the first group trying out a new major component of the course in Fall I so it was a " scholarship '' from XXXX. But I believe it would demonstrate that I was enrolled with XXXX.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I disputed XXXX XXXX charge to Citibank Visa. 
As a result, Citibank Visa deactivated & discontinued XXXX card ( ending # XXXX ). 
However, XXXX Payment Support Staffs insisted that I gave XXXX # even though I had said 4 or 5 times that I no longer had the card ( I shredded the card ) Citibank Visa XXXX XXXX told me that XXXX # can not be released over the phone. 

So I requested to release the card XXXX in mail. 
Again XXXX XXXX XXXX XXXX XXXX in purpose.
Consumer complaint received 2023-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ratchford Law Group, P.C. (MA)

Ratchford law group P.C. is harassing me for a debt I do not owe. Under my rights through The Fair Debt Collection Practices Act 15 usc section 1692c, I have sent them a " cease and desist '' letter.
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 — Account status incorrect
Company: EQUIFAX, INC. (OH)

I enrolled into to a program in XX/XX/XXXX with my two credit card accounts with XXXX XXXX XXXX that would temporarily freeze my account to allow me to make payments in order to get my account back on track & in good standing for 3 months. After starting this program I noticed that I kept receiving letters from the company stating I was behind on payments and in addition received alerts from my credit monitoring the company was inaccurately reporting my accounts as closed. I called XXXX XXXX back in XX/XX/XXXX the customer service assured me that it was not them reporting this to the credit bureau, but the credit bureau reporting the information my account was not closed simply frozen until the program was completed.. I gave XXXX XXXX the opportunity to correctly report the information to no avail. For 3 months they continued to report a false status to the point of causing my credit score to drop 41 points from XXXX to XXXX in XX/XX/XXXX after I have been working diligently to reestablish my credit. I contacted XXXX XXXX XX/XX/XXXX to  address the issue, customer service informed they will keep reporting the account as falsely being closed even though it is only frozen until my last payment. I requested a letter from the company comfirming that the account was not closed and was denied this information in writing in order for me to present to ( XXXX & XXXX ) for correction.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In XXXX, XXXX, I signed up for a service that offered free credit reporting services, TransUnion, for 30 days. I cancelled within a week but the monthly billing will not stop. I contacted TransUnion for several months telling them to stop taking the monthly fee from my account. Still no reply. Every month in XXXX I have been charged the monthly fee, extending into XXXX. I want these deductions to stop.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (OH)

I am getting at least one email a day from Resurgent Capital services stating I owe from a previous debt and there has been a countdown stating how long I have until a possible lawsuit. 

This company also uses shady business tactics by hiding who his sending the emails by using a first name as the sender instead of the company, probably to trick people into thinking somebody they know is trying to email.
Consumer complaint received 2023-06-01
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MO)

I have been trying to get Shellpontie - NewRez to correct the principal balance for several weeks. The servicing was transferred in XX/XX/2024 and the principal balance was updated on XX/XX/XXXX to reflect a {$300000.00} principal payment. 

As of today/s date, the principal balance still reflects {$30000.00} too much. 

I did file a dispute with the credit agencies, but because I have had so much trouble with this servicer, I feel there will be no resolution. 

This has been a nightmare from day one for us, I just want the credit balance correct. This affects our debt-to-income ratio. 

Please assist with this issue and have it resolved in a timely fashion. 

I have all kinds of supporting documentation if needed. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-11-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I received a total of 8 phone calls over 3 days. 1 call on XX/XX/23, 5 calls on XX/XX/23 and 1 call on XX/XX/23. Ive asked before to not call during certain times. I called back today and the representative was very rude and hung up in my face so I filed a complaint within the company.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

My student loans should be marked as paid in full or paid as agreed. They are not. This is very frustrating because when they close my loans, they were supposed to have the correct remarks on the account and it incorrectly affected my credit because although the loans were on the account, the loans were not supposed to be in a negative state as they never were and they were always paid.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Dear Collections and Consumer Relations Dept. : As I have not heard back from you in over 30 days regarding my notice of dispute dated, I must presume that no proof in fact exists. Also attached is a FTC report regarding the fraudulent accounts in detail. 

Account : Name XXXX XXXXXXXX XXXX XXXX Account # : XXXX, XXXX, and XXXX PLEASE DELETE FROM MY FILE You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you are reporting my name and social security number in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. You must either provide the proof or correct the record to remove the invalid entry from my XXXX XXXX file. You are currently in violation of the Fair Credit Reporting Act. 

Failure to respond within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 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. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

For the credit account XXXX XXXX  , there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/23, I asked for certification of this account belonging to me from the 3 credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my XXXX and Experian accounts for this violation.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

A person came to my house to sell home security system with XXXX. I told the person I would get a quote on pricing and think about it. Before I knew it, she had the figures on a piece of paper, stating the equipment is paid to Citizens Bank and they get the remainder of the money for monitoring. I had to step away and she continued to talk with my husband, and took his information, ran a credit check and opened a line of credit with Citizens Bank. I did not want any of this. 
I called Citizens Bank to cancel this line of credit and they told me they could not cancel it until after XXXX  days had past. That is crazy. I did not want it and now they wont let me cancel it.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: HOME ACCEPTANCE CORPORATION (CA)

In XX/XX/2023, I engaged an online company called XXXX XXXX. My case number with that company is XXXX. The purpose was to work with this company to resolve my IRS tax debt which was approximately {$5000.00} or more. I worked with XXXX XXXX to contact the IRS and arrange for me to have an IRS payment plan for {$100.00} per month. They barely saved me {$40.00} per month over my previous IRS payment plan. 

At the same time, XXXX XXXX convinced me to sign up for a separate payment plan to pay for their services, with a loan company named XXXX XXXX XXXX They put me on a payment plan for {$160.00} per month. XXXX  considered this a personal loan and reported it on my credit. Now, I'm on the hook for {$270.00} per month which pays off much higher than the original debt I owed the IRS in the first place. I have included the website for XXXX in this complaint. 

Now, I believe that this entire thing was a scam.
Consumer complaint received 2024-03-24
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. (GA)

Attached is a copy of my identity theft report. XXXX XXXX  was opened fraudulently without my consent the creditor agreed to remove this fraudulent account. It is against consumer law for Experian to report a fraudulent account. 

Fraudulent Account on Experian XXXX XXXX  {$1100.00} Account # XXXX
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be on my report. I never gave them written consent to report them.