davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (MD)

When I received notice from XXXX XXXX XXXX that my loan had been sold to Systems and Services Technology, I was not happy. I am near the end of my loan, always paid on time. SST has a XXXX approval rating with the XXXX  people saying this company ruined their credit. I attempted to access their website from XXXX different computers and my phone. No device can access their supposed website. If I am unable to view what is going on with my account, this is fraudulent. I requested a paper statement and asked for an email as proof I would be receiving that statement and the person said they would request an email be sent to me. I have not received XXXX. There is much deception going on. XXXX XXXX XXXX sold this account because I only have about XXXX payments remaining and virtually no interest left to pay, so they could no longer make much profit from keeping my loan.
Consumer complaint received 2023-12-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (NY)

In XX/XX/2023 I received a mail correspondence from XXXX XXXX XXXX XXXX XXXX saying I owe money to XXXX. I replied to them saying I have paid my debt and they have since then stopped contacting me. Now I am receiving another correspondence from a different debt collection agency, Maury Cobb & Associates LLC regarding the same debt. I have paid my debt and need all future debt collectors to leave me alone as I am unemployed and having financial troubles and don't need past resolved troubles bothering me.
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC (IL)

I inquired about this a while back and still have no answer. I participated in this message below back in XXXX before the deadline, and the agent on the phone said he was submitting it but that it would take some time for management to review it : XXXX, you may be eligible for a waiver of up to {$500.00} in accrued fees on your Skopos loan. We will match any payment of up to {$500.00} in waived fees during the offer period. Please call us at XXXX to learn more. We are available today until XXXX CST. This offer expires [ Saturday - XX/XX/XXXX ]. TXT STOP to Stop messages from this number. MSG & Data rates may apply. Reply STOP to OptOut It is XXXX and to this day the late fees were not waived as promised. I called over the phone on XX/XX/XXXX to pay as instructed before the deadline, paid over the phone and followed the instructions to the letter. 

I certainly hope this is not in retatliation to my XXXX complaints.. as this is not only discriminating but also illegal. But this seems to be the only way to get any type of response from this company. 

I have sent several e-mails to their customer advocacy department and XXXX XXXX directly and all have been flagrantly ignored on the matter.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

I am constantly being locked out of my venmo account, when I try to sign in it will just literally not let me and I have a lot of money sitting in there, essentially they are withholding me from my funds, it has caused me so much problems so over this not being able to access my funds
Consumer complaint received 2024-01-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am here once again to dispute the late payment account that is being reported on my credit report. The account in question is as follows : XXXX XXXX XXXX XXXX. I have reached out to XXXX XXXX regarding the validity of the debt, but they did not provide any proof. As I am looking over my credit report, I have noticed that this account is being incorrectly reported as a late payment account with a balance due. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. I urge you to take immediate action on this matter and conduct a thorough investigation to ensure that my credit report is accurate.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I have been disputing student loans on my credit for some time now. I've sent in disputes to Sallie Mae, Navient and now the Dept. of Education asking for detailed information on the loans. I have yet to receive any information and Navient has now added more accounts on my credit report - 4 to be exact. They closed the Navient accounts and are now reporting them from the Dept. of Education making it appear as if i have 8 accounts when indeed i do not. Navient/Dept. of Education has refused to send me an itemized statement and bill. I have requested this in writing and over the phone. They have refused to help help settle the debt and consolidate the four small loans. Everytime i made a payment in the past they would process the payments incorrectly making it look as if i made no payments at all. They have provided me inaccurate and incorrect information several times, leading me to believe the loans are not accurate and have been sold and or re-written. Navient is accused of unlawful acts and practices in connection with Defendants servicing and collection of student loans. Please add me to This CLASS ACTION suit, Navient is the Servicer of the loans listed below.The loans have been sold with fees added are as follows : XX/XX/XXXX XXXX - {$1900.00} ; XX/XX/XXXX XXXX - {$3500.00} ; XX/XX/XXXX XXXX - {$1700.00} ; XX/XX/XXXX XXXX - {$1500.00}. All reporting multiple times on my credit. My ask is that this be disputed with the Navient/Dept. of Education and asked to verify with detailed signed copies of the contracts. If they are unable to provide the information please have this inaccurate information removed from ALL credit reporting agencies.
Consumer complaint received 2023-10-24
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. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Essential Lending Inc (TX)

I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and XXXXXXXX XXXX including the original contact between me and XXXXXXXX XXXX within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly.
Consumer complaint received 2023-12-18
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. (GA)

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 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 2023-03-13
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. (NJ)

Incorrect information listed on my account. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX D.O.B XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX, XXXX XXXX PA XXXX Dear Transunion, after receiving a copy of my credit report, I observed several errors and demand deletions of the accounts mentioned below. 


XXXX XXXX card service. Account number XXXX This account MUST NOT be on my credit report because it is a charge off account and is considered income earned. 
DELETE this account. 


XXXX XXXX dealer services Account number XXXX. 
This account MUST NOT be on my credit report because it is a charge off account, and I considered income earned. 
DELETE this account. 

XXXX XXXX account number XXXX I I need an investigation done on this account. I have no knowledge of this account and need proof with all documentation that includes a contract bearing my signature with this company and need the results including the method of verification used in this investigation mailed to me at the address shown above. if not DELETE this account. 

XXXX XXXX XXXX XXXX XXXX This account was involved in litigation! 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, nor therefore any such debt, in fact therefore exists! 
DELETE this account. 

Yours truly, XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and XXXXXXXX XXXX  including the original contact between me and XXXXXXXX XXXX  within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly.
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Future Judgement Solutions (CA)

FJSglobal says I owe {$1300.00} to XXXX XXXXXXXX XXXX, they say its a charge off,,, I never did business with any XXXX XXXX XXXXXXXX 

Now this FJSGlobal wants me to set up payment arrangements to pay off this debt or pay a one time settlement if XXXX 

I sent them an email message that they have the wrong person or they are creating fictitious debt to people to pay on something they do not owe. 

This phone call from FJSglobsl was received on XX/XX/2022, so I went online and saw the information in my name regarding g a XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and XXXX XXXX including the original contact between me and XXXX XXXX  within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692 Account name : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

Also your company only has a license to collect debt in XXXX states. Those states are : Connecticut, Idaho, XXXX, Maryland, Massachusetts, XXXX, New Mexico, North Dakota XXXX Oregon XXXX Rhode Island XXXX Wyoming XXXX Which is verified on https : XXXX. 

Remove this account immediately!! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-01
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc. (KY)

There wasn't a great options for this situation. The Bureaus had used XXXX XXXX XXXX to attempt to collect this debt. It shows the account date was XX/XX/XXXX however the last payment was XX/XX/XXXX. 
My attorney XXXX XXXX XXXX responded to the initial letter from XXXX XXXX XXXX  and the debt was not able to be verified. It is still currently on my credit report and being reported every month as an open account that is owed by the Bureaus. 
The letter was dated XX/XX/XXXX. The attorney responded XX/XX/XXXX.
Consumer complaint received 2023-03-28
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. (CA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I received a letter dated XXXX that the account with the remaining balance was paid in full. I made the payment on XXXX through the nelnet secure site. I have screenshots and bank statements showing paid in full. Payment deducted from my account shows dept of education not Nelnet on XXXX, however I received the payment in full letter from nelnet, i have the screenshot to show i paid it and confirmation received from Nelnet. I received another letter from Nelnet statement date XXXX showing I still owe the amount paid with more interest accrued. I called them tonight XXXX to confirm and speaking with the representative they are confirming they do not see that I made a payment. We confirmed its the account ending in XXXX. I have the letter from Nelnet, the screenshots from the Nelnet site Secure.Nelnet.com total payment amount and payment date and my bank statement to confirm it was paid. I don't know what kind of BS this is but I'm so done with them. And then the rep suggested to me to send them a copy of the letter they sent me! Beyond ridiculous! 

So here we are with the representative coming back on the line after i have been on hold because they are short staffed of supervisors- of course that's corporate A for you. So I asked if I am holding with her waiting on a supervisor or waiting for them to conduct the research. Because its clear at this time they can not get a supervisor to assist. We have to wait on the line for them for XXXX min already. Then I got even more upset as they are trying to search and see that on XXXX after i received my paid in full letter that it was a 'batch reversal ' yet I haven't received any credit of the funds, so where is the batch reversal going if not returning back to me? The math is now mathing that they did a batch reversal on XXXX and I received this email showing i still owed the funds. This is fraud as someone there has pocketed my monies.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :