davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

LVNV is a collection company. They are listed on my credit reports. Under collections. I have been disputing this since 2016 of XXXX until present day. On my credit reports under comments of this account listed. Sometimes it says its open or closed. It is listed under the collections part of my reports as open. Even though the notes inside of box says closed. It also states under comments FCRA Agrees with consumer and this debt is not valid and account is closed. So I am fed up. This collection company has not only collected money from me in the past because I believed it was mine until I was able to actually look at it and so also knew nothing about credit repair. I thought if a collection company calls I have no choice but to pay it. They have called me at work in 2016 everyday in XXXX for weeks straight and I would tell em I am at work. again they would call either the next day or later that day. 

This account is hurting my credit report and holding me back from maintaining any kind of good solid report. It is also holding me back from obtaining credit I deserve. I have asked all three credit bureaus with my IDTHEFT.gov paper work over and over to remove it. And here it still is being reported. I am reporting to you all three credit bureaus for their lack of response each time to this matter. As well as LVNV FUNDING. I dont deal with creditors. Especially secondary ones from accounts I never had. I would like to be compensated for emotional duress this plays a huge part of my life. It stops me from retrieving good insurance rates as well as personal loan I will be needing. Please help me.
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (CA)

Attempted loan modification through lender. Lender was dishonest in how modification term would affect my credit score. Reported my account delinquent WHILE in the midst of modification payments as scheduled and agreed upon.
Consumer complaint received 2019-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

This company contacted my sister stating my account was past due. Gave payment history and information to her. The CSR called her a couple times giving her this information. I contact local office asking for DM OR RM to call me nothing back for 2 weeks. Called their corporate cs number. Finally got to talk to a rep who said she will have someone call me back. But could not understand by looking at my account why the rep in the store would have called anyways. I do have a video of that audio voicemail the rep left my sister discussing my account.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$270.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
Consumer complaint received 2019-12-05
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. (LA)

XXXX XXXX/ XXXX XXXX #XXXX is reporting a collection to my account that is in error. This collection was paid off over a year ago and is still reporting a balance, it is negatively effecting my scores and it should not have a balance reporting. I would like it removed immediately.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (GA)

This creditor has placed an account on my credit bureau despite having the information in their possession that shows that the notice of the debt was mailed to THEMSELVES and not to me. Despite multiple attempts to discuss with XXXX at the leasing office, they mailed a notice to their own address with no APARTMENT number for the notice to even be forwarded and the mail MUST have been delivered to them, as it was sent to their own address as shown in the letter uploaded to the CFPB by the RentDebt employee.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX I initiated a withdrawal from coinbase to XXXX  ( XXXXXXXX XXXX XXXX ) it the amount of {$67000.00}. Coinbase email said it would be available by the XXXX. 
This money is still not in my account in XXXX  yet is gone from my coinbase account. 

I began by contacting XXXX XXXX XXXX they requested that I provide the ACH trace ID in order for them to conduct an investigation. I have contacted coinbase over 10 times in the last few days via phone and email asking them to look into it but they refuse to give me the ach trace id and instead have given me the run around.
Consumer complaint received 2023-02-04
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  is reporting late payments to Experian. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Consumer complaint received 2020-02-29
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: EdFinancial Services (NJ)

XXXX XXXX College employee XXXX XXXX spit in my face ON XX/XX/2019. I called Human Resources and went to the XXXX XXXX Police Department. XXXX XXXX XXXX sent me a harassing letter to my post office box stating I can not step foot on campus. How can I step foot on Campus went I was never a student at XXXX XXXX College? 

Ed Financial told me to submit police reports the reports are inaccurate account of what happened XXXX XXXX the office that XXXX XXXX brought up to the XXXX County Board of Social Services building where I was applying for XXXX XXXX and housing at the State of NJ office. I turned my back towards my cousin XXXX XXXX and me other cousin XXXX XXXX had the Drug officer XXXX XXXX. Escort me out of the building. I didn't do anything illegal. I just left the building on my own free will. 

XXXX County Police Department XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX Im still being harrassed by my XXXX XXXX, XXXX XXXX at XXXX County Board of Social SERVICES XXXX XXXX XXXX XXXX, NJ XXXX. 

I took XXXX XXXX to court in XX/XX/2019 the Judge XXXX and the XXXX County Prosecutors office stated she did spit in my face I was in the wrong court. Everything is being recorded in XXXX XXXX XXXX Municipal Court. A  scamming city XXXX, Nj.
Consumer complaint received 2021-08-31
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 — Their investigation did not fix an error on your report
Company: PlusFour, Inc (NV)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-12-02
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. (UT)

XXXX  XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of my credit report.
Consumer complaint received 2021-08-31
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 — Their investigation did not fix an error on your report
Company: RICHLAND HOLDINGS, INC. (NV)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (TX)

My mother sent me XXXX dollars to my account but American Express serve said I violated there terms by doing that it was money to help me make a down payment on my house her bank approved the transaction I have XXXX little girls under XXXX  yrs I have nothing then my tax refund was sent to that account of XXXX dollars they closed my account instead of calling or asking me about the transaction that was made it has the option to select transfer too account I dont need that need that kind of money on me to get robbed I been using this company for 4 years and this happens and they tell me I need to write them explaining about my money that is wrong and outrages please help me I have kids and that is all I had this happened XX/XX/20 help I'm a single mom
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I received a notification some time XXXX that a debt was owed by an account I did not open. XXXX my home was broken into and since then I have noticed identity theft on my credit report. I have been trying to get the company to send me information about the debt but I have had no luck. The debt was said to be open XX/XX/XXXX. The name of the debt collection is Rash Curtis And Associates. Original name XXXX  XXXX XXXX XXXX XXXX XXXX. While waiting on a response I have gotten a police report for identity theft and got a fraud alert on my credit report.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I bought tickets for a flight to XXXX on XX/XX/2019, to XXXX for departure date of XX/XX/2019. When I received the ticket and invoice to my email address, the name on the ticket did not match the name I had entered. I called the booking agency to figure out why my name was not on the ticket and how I could get a ticket for my name. They stated that any changes to the ticket require a {$120.00} fee. I refused to pay the fee as it was not my problem that they had made a mistake on their end. They would not refund me or change my ticket without an additional fee. I then filed a chargeback with my credit card company, Citibank, under " services/goods not received ''. I sent over all the required documentation to my credit card agency and received a letter stating that they had closed the case and I would have to pay the charge since they did not receive the documentation asked for.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

Amazon Store Credit Card offered & Services through Synchrony Bank, miss calculated the Statement balance especially when there are transactions involving 0 % APR of equal Pay spread over multiple months. Consumers who want to be punctual in their payments opt for Autopay [ Statement Balance ] are miss-lead in this very shady practice. I have called Synchrony bank customer support and complained about the promotional offer I choose was miscalculated. Transaction in questions was made on XX/XX/2019 for an amount to {$2200.00}, but this amount was included in the Statement balance [ # XXXX ] which was paid in full [ AutoPay ] on XX/XX/2019. Ideally, when there are promotional offer transactions in a given statement period, the statement balance should correctly represent, in my case [ ( XXXX - XXXX ) + ( XXXX ) = {$470.00}. 

Customer Service Manager I spoke with : Name - XXXX Employee ID - XXXX Bank - Synchrony Credit Card
Consumer complaint received 2021-11-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX my cell phone was hacked while I was attempting to return an item to XXXX XXXX. Consequently $ XXXX was fraudulently charged to my XXXX XXXX account ; all charges were reversed XXXX XXXX later. During that same time, and over the course of XXXX hour, XXXX fraudulent loan applications were approved by AffirmXXXX XXXX Bank on behalf of XXXX XXXX XXXX # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} These loans were set up to pay via a debit card that I have since deleted from my Affirm account. I have contacted AffirmXX/XX/XXXX times regarding these unauthorized loans. I received one correspondence from them asking me for the same information I had already provided on their website. In addition, I received XXXX 'canned ' email responses to the XXXX requests made to Affirm asking that they delete these fraudulent loans from my account. During a phone call that I made to Affirm on XX/XX/XXXX, I asked them to provide me with proof that I had applied for these XXXX loans. They were unable to provide me with anything. They only said that they had to get their money back from XXXX. What money? To make matters worse, I received an email this morning stating they now need XX/XX/XXXX days to complete an investigation and are again asking for the same information I have already provided. Also, this time Affirm has come up with an arbitrary charge of {$100.00} for XXXX XXXX. Who knows what that is because I do not? 

According to the CFPB website, Affirm has several complaints filed against them for unsavory business practices. Why have they been allowed to continue creating this type of havoc for consumers? 

Please, help me obtain resolution and finally do something about this 'scamming " company!
Consumer complaint received 2019-12-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hi portfolio recovery XXXX  is reporting on an account from XXXX XXXX XXXX XXXX Remakes state furnisher reporting remaining trade account please explain what this is when it was removed
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (VA)

Paypal closed my business account ( XXXX XXXX XXXX ) on XXXX XXXX. The message I got from them is that I violated their User Agreement and they are holding the money in my account for 180 days. My business transaction was legitimate. My investor sent $ XXXX through paypal for 1 % ownership in our feature films. Little did I know Paypal took {$150.00} of it and now the balance is {$4800.00}. I agreed to send him a refund so he can do a cashiers check for $ XXXX. That's when Paypal put an accounts limitations on it and requested docs which I sent. After docs sent I got that dreadful message not allowed to do business with Paypal.. I've been trying to get a hold of someone for an explanation, but this " relevant '' team they forwarded my problems to never got back to me. All I want to do is get access the money in my account and refund my investor, bur they put this ridiculous hold on my account without even telling me the reason. They have been trying to refund the $ XXXX through my business checking account twice and I got a {$29.00} NSF fee each time because of it. I can't understand why they would try to get the $ XXXX from my account when the money is the the Paypal account. These guys are shady. I simply want to get access to my money and give the refund to my investor. I don't want them trying to get it out of my checking account like they did twice before. My investor has been waiting 12 days now for a refund and shouldn't have to wait anymore. Paypal shouldn't be trying to get the money out of my business checking account either when the money is in the Paypal account.
Consumer complaint received 2022-10-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

This is my XXXX time filing a complaint in regards to my credit reporting for my XXXX Bank Mortgage. In my previous complaints, XXXX Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that XXXX Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AK)

XXXX; Experian and XXXX  are reporting duplicate entries for a collection/charge-off in the amount of XXXX on the the XXXX XXXX – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal has limited my account. I am allowed to add money to the balance, add bank accounts and cards, but not make payments or withdrawals of any kind. They asked me to provide several additional pieces of information, which I provided ( bank statements, proof of transactions, etc ). After I provided them with certain information, a few days went by and then they asked me for other information. They have been reviewing this information since mid week of last week and said it would be lifted within five business days. I have inquired several time since then about the status both through customer service on their page, through their XXXX page and on the phone. Every time I was told it was still in review and would be within 5 business days. My account was put in limited status for seemingly no reason whatsoever. An internet search makes it apparent that I'm not the only one that they have randomly selected for this account limitation. Several posters reported that they were never able to get their accounts back and that their balances were just never accessible to them. That is what concerns me.