davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX XXXX Department of Education sent a debt into collection because I was over paid on my FAFSA. They said I had 90 days to pay them or they would start taking money out of my pay check. The original amount of then debt says {$770.00}, however if i paid {$200.00} they would resolve the issue. I had explained due to COVID my work was slow. There response was you have 90 days. At 60 days they reported to the credit agencies as a delinquent account in collections. That same day I had contacted them explaining that was not our agreement. They said dispute it. Disputed it twice and denied both times. Both dispute dates with Experian are XX/XX/XXXX and XX/XX/XXXX. The account is reported paid/closed XX/XX/XXXX. 

It is to my Understanding that any school related debt is not suppose to be reported to the credit agencies during the pandemic. Especially when i was working with them to pay and agreed i would pay within 90 days. It is not my fault my family was struggling during all that is going on. I am asking that this please be removed from my credit report as it had a serious effect on my score. 

Reporting Agency is : US Dept. Of Education XXXX XXXX XXXX XXXX XXXX XXXX , GAXXXX XXXX Debt Opened : XX/XX/XXXX First Contacted by them : XX/XX/XXXX Reported to credit:XXXX Closed/Paid:XX/XX/XXXX Please help me to remove this from my credit score. 
Thank You for your time.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

PayPal has closed my account, and is keeping my money for an undetermined period of time.

PayPal says that I violated their terms of use by buying or selling firearms with their serivce. This is not true, and they have given me no means to contest the matter.

I am a licensed firearms dealer, and we use PayPal occaisionally to invoice customers for binoculars and scopes. We also use PayPal to pay an employee who works overseas.

The Comptroller of the Currency issued an order for financial institutions to not discrimiate against legal business transactions.

I have always used my PayPal account in a proper manner, and had it open for years.

This account is a business account. PayPal also closed my personal account, and I get regularly scheduled payments into that account
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I sent a letter to the credit bureaus regarding my credit report concerning my consumer report. I have items that are reported on my credit report without my consent and that is a violation of privacy according to the FCRA. I have sent this letter over 30 days ago the bureaus and have yet to get a response from them and that is also a violation and I need these accounts deleted immediately. I am currently unemployed and these accounts are hindering me from finding employment and also auto insurance and getting financial resources which is very stressful for me and my family.
Consumer complaint received 2021-04-18
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. (MD)

Experian and XXXX are reporting XXXX XXXX account on my credit report as being included in a Chapter XXXX bankruptcy. I have disputed this inaccurate information with both credit reporting agencies and they both came back and said that the information had been verified. Meanwhile XXXX XXXX sent me a letter stating that my correspondence does not provide sufficient information to investigate my dispute. Which means that Experian and XXXX did not do their due diligence and are still reporting information as being verified but it is not accurate. This failure to truly correct this inaccuracy has caused me an undue hardship. I am attaching my documentation received for you to review.
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

H LVNV FUNDING/RESURGENT CAPITAL ; wasn't there several lawsuit about this before??? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-04-18
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: Ability Recovery Services, LLC (TX)

Ability recovery services account # XXXX idk what this is for but it's not for me it's a loan of {$280.00} n I've never got a loan before I think my ex husband is using my information or has before I'm checking into now ty
Consumer complaint received 2021-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (IL)

I submitted more than 20 complaints regarding Santander consumer usa regarding car loan.I told you they were charging me XXXX to make a payment by phone they said they were not. Looking in earlier in the loan in my transaction they did charge me XXXX to make a phone payment .I have submitted over 20 complaints yet you do nothing they have charged me XXXX early in loan to make phone payment often that was a Enforcement i told you this before
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *HAVE ALREADY CONTACTED THE CREDITORS AND THANKFULLY NO ACCOUNTS WERE OPENED DUE TO THESE INQUIRIES. JUST NEEDING TO GET THESE INQUIRIES REMOVED SINCE THEY WERE FRAUDULENT*
Consumer complaint received 2021-06-23
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: DISCOVER BANK (NJ)

I have this account that does not belong to me and i want it t obe remove from my credit report asap. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Consumer complaint received 2021-04-19
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. (TX)

I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (NY)

I disputed the amount claimed for terminated cell phone service with XXXX and its collection agency. I then filed a complaint on this site. The collection agency, XXXX then sent an email stating that it was no longer handling the account. I was told to contact XXXX directly. XXXX then forwarded me to I.C.Systems. I.C. Systems advised me via telephone that it has opened up an investigation with XXXX. The dispute is never investigated and addressed. The account just gets transferred and the cycle and damage to my credit continues.
Consumer complaint received 2021-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (OH)

Hello - I received a predatory call from Great Lakes Educational Loan Services , Inc. where they posed as my student loan servicer and received my personal information before I figured out they were not who the actual loan company. The agent was quite rude when I questioned his intent and got verbally abusive on the phone. Now, after this contact I'm concerned that they may use the information I provided for means that I do not approve. 

I do not appreciate their deceptive rude tactic and would someone to reprimand them for these practices. 

This practice of calling a list of people with student loans is very tricky and disturbing. 

Company info based on the phone number XXXX search match. 
Great Lakes Educational Loan Services , Inc .
Consumer complaint received 2021-04-19
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. (TX)

Experian and XXXX our reporting a balance for XXXX XXXX XXXX  and I have called XXXX XXXX XXXX  and they have told me they sold account to collection company and the company has sent me a letter saying that they bought debt. attach is a screen shot of the account from Experian and XXXX
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

I sent Experian several police reports as well as a legal settlement agreement between myself and   XXXX   XXXX   stating that all  XXXX  accounts must be removed from my credit file. The information was removed and now it has been re-reported/re-inserted. Additionally, there are more fraudulent inquiries on my credit report when Experian knows someone is using my information.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am charging that the three largest credit agencies are not in fact providing a positive service as it relates to customer finance. Each of them use business rules and math algorithms designed to maintain the lowest possible consumer credit score. I contend this is done by all 3 of the bureaus colluding with each other and the lending institutions that use their dubious services to overcharge the consumer with interest rates that are considered usury in most countries around the world. My proof is as follows : 1 ) The time it takes for your score to drop is not proportional to the time it takes to recover those lost points. Ie a " hard '' credit check is performed... ..your score plummets ... .time to recovery for just thinking about taking a line of credit? Months. That is criminal, period. 

2 ) Two completely different sets of credit rules for businesses and down the street customers. Why is that? Aren't corporations considered individuals now, just like a person? Afforded the same protections but also get special treatment from the credit bureaus. Absolutely criminal. 

3 ) The credit reporting circus assumes guilty until proven innocent with no trial or element of due process. I understand it is civil but the penalties for this unlawful practice can cost you XXXX  of XXXX of dollars in finance charges, be used to determine employability, determine if you have a place to live. Before you deprive me of a constitutional right, there ought to be due process involved. A letter mailed to an old address and 1 email does not constitute due process.

Recently I had my credit score dropped by over 50 points while i was waiting for verification of the validity of an old cable bill that magically popped up years after I had moved out of the state. While waiting for XXXX to verify the debt, they immediately reported this with no concern for my credit standing, XXXX accountability, the balance was a whopping {$120.00}. XXXX points on my credit score is worth far more to me than {$120.00}, but of course it will now take over a year to claw those points back because of credit score suppression collusion done by the credit agencies. The pathetic part of this is that it is done under the supervision of your organization. Who decides what is fair for a consumer? I have no faith in a bunch of unelected bureaucrats keeping watch over companies that pay the finance lobby to push through what they deem " fair for the consumer '' What recourse do I have in this matter? Who shall I contact? Who should be held accountable for this fiasco?
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

ALL 3 " CRA '' FAIL TO SEND COPY UPON REQUEST IN WRITING OVER 45 DAYS AGO ... ID WAS ATTACHED WITH REQUEST LETTERS SENT ON XX/XX/2021
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX  ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( TransUnion, XXXX, XXXX ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! Thank you!
Consumer complaint received 2021-03-18
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: SYNCHRONY FINANCIAL (PA)

THIS IS NOT A DUPLICATE ... 
I am STILL AFTER A YEAR, trying to resolve a dispute with synchrony mastercard for paypal ( a charge card that I have stopped using for purchases myself, and after doing so and submitting my first complaint to CFPB on XXXX, XXXX about synchrony bank have seen both this paypal card and my old navy card have credit limits on each of {$4000.00} reduced to only the amounts being disputed..the old navy card having only {$170.00} as a limit now instead of the {$4000.00} and I have never been late with payments but am not required to pay the disputed amounts ). Besides that synchrony " closed my dispute '' # XXXX with CFPB " >After careful examination of synchrony 's letter dated XXXX XXXX I see they provided a copy of the XXXX purchase of {$560.00} on XX/XX/XXXX and a refund receipt of XX/XX/XXXX. Upon further review ( I have noted for you and will attach later ) that what they say are refunds of {$59.00} and {$440.00} are not supported on my dispute as the receipts they show for the original purchase have different SKU numbers on the 2 @ {$59.00} and the other returned items show $ XXXX on their supplied receipt that goes on to say " system error ''. 
I am still disputing this complete amount of {$960.00} as I have been disputing for almost a year now! ..Also I have noted that her letter states these items are '' now subject to interest charges.. '' She does not note anything about the other items in dispute so I am assuming they are not subject to interest, and the already wrongly charged interest of {$20.00} will be credited back until this dispute is properly handled. I am still receiving notifications of late payments from synchrony even though this dispute is recognized by XXXX XXXX, Sr. specialist Corporate Consumer Relations Synchrony bank, and needs the time to resolve and not be forwarded to collections or credit bureaus as they are doing. 
Also note that today I have called the phone numbers supplied and left messages to XXXX but have not been able to get a response at all, and the customer service number when answered has people that transfer the calls and then the line goes dead.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ALL 3 " CRA '' FAIL TO SEND COPY UPON REQUEST IN WRITING OVER 45 DAYS AGO ... ID WAS ATTACHED WITH REQUEST LETTERS SENT ON XX/XX/2021
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- REAL ESTATE LOAN 3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I used to be a partner in a business and I set up our banking and credit card from BofA. 

We used the credit card but the business eventually failed - ultimately causing a charge-off of said credit card. This was years ago. 

Flash forward to last week - for some reason, I kept my personal account with them. In these Covid times, I made a desperate move and liquidated my IRA ( there wasn't much ) - those funds went to this BofA account. Within 48 hours, BofA swiped the entire amount and then on top of that, charged me a {$35.00} to do it. I now have absolutely nothing to pay any bills or feed my family. 

I don't know what to do.
Consumer complaint received 2021-06-24
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 (MD)

Hello again, i have reached out in hopes to have help with paypal fraudulently holding my money. They have given reason after reason and have kept my money for over an entire year now. My lawyer is ready to sue and im trying to handle this the easiest way possible there has been {$8100.00} in my account being held since XXXX of XXXX when it was sent to me. Please help me i need this money for my family, i have bills like everyone else this is owed to me and at this rate even more for the year long wait.