davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (NJ)

Presser, Felt & Warshaw have taken over a debt on behalf of XXXX XXXX Bank. I have been requesting a pay-off amount from them as part of my mortgage refinancing application so that I may pay this debt and move on with my life.

Timeline : 1. Tuesday, XX/XX/XXXX phone call at XXXX am and was told by the woman on the phone to contact Legal Resolution Team and have my representative send a fax of borrower 's authorization and pay-off request.

2. Wednesday, XX/XX/XXXX phone call to legal resolution team at XXXX XXXX  - XXXX min. wait time and then sent to voicemail. Left a voice mail and call-back number. No response or call back.

3. Thursday, XX/XX/XXXX. My representative emailed documents to the email address on the website after her phone call and XXXX min wait time to the legal resolution team phone number and being sent to voicemail. She left a voicemail and has not received any response. 
4. Thursday, XX/XX/XXXX I place another phone call at XXXX XXXX  to Legal Resolution Team. XXXX minute hold time and then right to voice mail. 
5. Friday, XX/XX/XXXX. I fax the documents to the fax number given to me by the woman on the phone ( see XX/XX/XXXX ). No response. 
6. Wednesday, XX/XX/XXXX. My representative emails to follow up on the file number and pay-off request. Also asked if the account has been closed and writes " Since there had been no resolution obtained for this account, it must be removed from my client 's credit obligations. 
Please advise, thank you '' No response. 
7. Friday, XX/XX/XXXX. I sent another email at XXXX XXXX. No response as of XXXX XXXX.
Consumer complaint received 2022-06-03
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 (FL)

I purchased 6 pairs of shoes online using Paypal. I selected " Goods and Services '' as the purchase type, which Paypal claims is protected by their Buyer Protection. The seller did not send me anything for XXXX month, then submitted a tracking number that was invalid, then finally sent 1 pair of shoes, which was not the right size. I opened a Dispute through Paypal under their Buyer Protection guarantee. The seller kept telling me that they would send the rest " as soon as I close the Paypal Dispute '', which I was unwilling to do. Paypal is investigating the dispute but said I should file a law enforcment/regulator report on this issue. This is what I am doing now exactly as they stated.
Consumer complaint received 2020-04-06
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. (NV)

Just received another alert that XXXX put this account back on my credit report. This time, through a collection agency. I've told them repeatedly that this wasn't my account, have provided police reports, etc.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Today as I was trying to apply for a mortgage it was noted that I have late payments being paid to credit acceptance For my Car note I am in a payment arrangement with them but tht are reporting to the credit bureau that my payments are late and it is hurting me with trying to purchase my home
Consumer complaint received 2020-04-06
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (AZ)

I just learned on XX/XX/2020 that Navient requested and received a hard copy of my credit report. I never authorized this transaction or requested or applied for a loan with this company. Navient continues to act recklessly, carelessly and unethically.
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pacific Collections (NV)

Firstly I never received any invoice or notice to my new address after repeatedly asking them to post or email me the notice so I could see what I had to pay for. We were initially on a plan ( which was above what I could afford ) which I requested that they do not withdraw the Money without me first contacting them to ensure that I had the funds available, they ignored my request and continued to take the money out without any notice. I had to change my bank details as they overdrew my account. 
Because I had not received any notice I could not call them to dispute this with them. After moving to my new place I started to receive calls very early in the morning every single day threatening me that they were going to black list me and ruin my credit. I told them that I could not pay any more money until I received a notice, also that I would pay it once I was able to find employment. After constant threats I ended up paying them money. 
The first transaction was on XX/XX/XXXX {$90.00}, the second was XX/XX/XXXX {$90.00} which was the transaction that overdrew my account. 
Then in XX/XX/XXXX I agreed to pay {$300.00} because they threatened to destroy my credit and they increased the mount owed which I still don't even know why as they have not sent me any invoices. and then I agreed to pay {$100.00} on XX/XX/XXXX the next two weeks to finalize the debt and to be done with them. 

However they have continued to charge my account again this week on the XX/XX/XXXX another {$91.00} They should not be taking Money from my account,. 

The name of the company is Pacific Collections XXXX XXXX and the name of the person I felt with is XXXX XXXX, his number is XXXX XXXX the only way that even have these details is because of my bank statements, as I have not received a notice and now I am worried that I paid a scam company. The name that appears on my statement is XXXX XXXX XXXX XXXX XXXX XXXX. I called them multiple times and left a voicemail but I would like to file a complaint as they have caused me an incredible amount of stress and anxiety. I will push for legal action.
Consumer complaint received 2022-08-17
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. (GA)

All of the accounts and inquiries listed below are fraudulent accounts and was opened without my consent. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  {$880.00} Acct # XXXX XXXX  XXXX XXXX {$130.00} Acct # XXXX XXXX XXXX XXXX {$880.00} Acct # XXXX XXXX XXXX  XXXX {$1200.00} Acct # XXXX XXXX XXXX  XXXX {$200.00} Acct # XXXX TransUnion Inquiries XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc (OH)

I originally rented a car thru XXXX XXXX XXXX Co in XXXX, XXXX  from XXXX the original agreement was for {$1100.00}. Upon my arrival I found that my rental agreement was " sold '' to XXXX XXXX car without my knowledge or agreement, I was charged an additional {$710.00} for the exact same rental and timeframe ( Total {$1800.00} ). Upon my return, I disputed the amount thru my credit card company ( USAA ) who conducted an investigation and found I was responsible for the additional {$710.00}. XXXX then credited back the difference. Since final adjudication, I have been sent threatening letters, emails, and harassingly phone calls from XXXX to pay the difference. I attempted to resolve this on multiple occasions both with XXXX and XXXX credit card services with no success. I recently received a debt collector notice from XXXX XXXX XXXX, XXXX XXXX, XXXX, and Creed ( Twinsburg, OH ) once again trying to collect the difference. ( NOTE : They reference XXXX not XXXX in their notice. ) I contacted the debt collector on XX/XX/2022 and was met with extreme unprofessionalism, harassingly, and threatening responses when I tried to explain the situation and resolve the dispute. The case # XXXX ( XXXX case number ), and reference # XXXX ( XXXX Collector )
Consumer complaint received 2022-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Lincoln Educational Services Corporation (MI)

I attended Lincoln TechXXXXXXXX XXXX  in XXXX and I only took out a {$1700.00} loan via XXXX and I did not receive a pell grant. In XXXX, I consolidated all of my loans, including the XXXX loan from Lincoln tech. 10 years later, a debt collector started to garnish my wages for that loan and claimed that I owe {$7000.00}. When I contacted Lincoln Tech for proof, the said they couldnt find my paperwork because its been so long and that my file was sent to XXXX XXXX. The judge was no help when I went to court. This year, I saw on the news that XXXX was apart of a settlement and loan borrowers would receive notice, but I didnt receive anything. It also states that I took out a pell grant for that school but that is not true. I would like to know what my next steps would be because I didnt receive a letter saying I was apart of the XXXX settlement. The school is fraudulent Igor along with their debt collector and I would like to know how to sue and why I wasnt apart of the settlement.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2020-04-05
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: General Motors Financial Company, Inc. (TN)

1. On approximately XX/XX/XXXX, Complainant leased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 
2. Payment amount of {$610.00}, per month. 
3. Complainant, paid Americcredit/GM Finanacial, in a timely manner from XX/XX/XXXX - XX/XX/2020. 
4. On XX/XX/XXXX, Complainant hand delivered a car buy out Casher 's Check in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX Cents ( {$20000.00} ), to XXXX XXXX XXXX. 
5. On about the XXXX day of XX/XX/XXXX, Americcredit/GM Finanacial, reported Complainant 's account as delinquent, and XXXX, without prior notice or any type of due process or equal protection, immediately penalized Complainant with a ninety-one point ( 91 ) deduction from his credit score. 
6. On about XX/XX/XXXX, XXXX  stated that its investigation was now complete. If it was able to make changes to the credit report provided, it has done so. Otherwise we have contacted the company reporting the information you disputed, supplied them the documents you gave us with your dispute, and instructed them to review all information we provided them about your dispute ; information provide us a response to your dispute and update their records and systems as necessary. 
7.Complainant 's credit report, still remains past due thirty ( 30 ) days and listed as delinquent ; still has a ninety-one ( 91 ) point deduction. 
8. Complainant states that this started with XXXX, penalizing him based upon allegations of Americcredit/GM Finanacial, without due process and equal protection of the law. 
9. Now XXXX  telling the Complainant that, its up to the Offensive Party Americcredit/GM Financial to due the right thing. When they both are working hand in hand, to deny the Complainant his due process and equal protection of the law, by penalizing him outside the frame work of those laws.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

My account got blocked. I've filed a dispute against a Merchant for {$1000.00} I had some money still in my account which I was told will be refunded. Other then the money which was in my account, I've won the dispute whose money was not added at the time of closure. Now, I think that to hold that money, bank has deactivated my account. I'm ready to provide any necessary document to verify my account or my actions but they are not allowing me to do so. I've proof of the dispute that merchant has accepted it and the money was refunded from their side. I've paid for account opening fee as well. But still if I've gone against the policies you can close my account but refund me any amount which was in my account + {$1000.00} which is refunded by the merchant.
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have requested Experian to fix incorrect reporting for the XXXX and XXXX accounts since XX/XX/XXXX. They do not fix the accounts and push the dispute through without EVER providing the evidence of the account being derogatory. The accounts are reported incorrectly. 

The companies have sent Experian updated In Good Standing information to Experian in XX/XX/XXXX. As of today, Experian is still reporting inaccurate information. This is a violation to the Fair Credit Reporting statute.

I have submitted a complaint about their neglect to update the accounts. Their response to open a dispute for me tells me that they did not open the PDF attachments in my complaint. The letters confirming the accounts were updated with Experian by XXXX and XXXX are attached to the complaint of Experian 's misuse of my report. I will also attach them today.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Billing Error This creditor is in violation of laws :15 usc 1692b ( 2 ), 15 usc 1692c ( a ), 15 usc 1692d ( 2 ) ,15 usc 1692g ( a ) ,15 usc 1666d ,15 U.S. Code 1692.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has my account all messed up and can not reach them to correct it. My account is frozen and I am unable to unfreeze it due to their error. Called them about 50 times and can not speak to anyone. The other two credit bureaus work perfectly.
Consumer complaint received 2022-06-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1300.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9000.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$4200.00} ), XXXX - XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3800.00} ), XXXX - XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$7100.00}. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (GA)

I am filing a complaint against the 3 CRAs for failing to follow FCRA laws and protocols, reporting countless inaccuracies on my report and furnishing my private information on a public record! The accounts at the bottom are at question : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  Also I have filed multiple disputes and have not received any documentation pertaining to my situation, which is also breaking Consumer Law Codes
Consumer complaint received 2020-04-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TN)

This complaint is against NELNET, my student loan servicer. I was previously enrolled in a loan repayment program, Revised Pay As You Earn ( REPAYE ) Repayment Plan, for @ 4 years. Each year I was required to RECERTIFY to be approved. I granted access to my IRS filings to demonstrate my income in order to qualify for the program. In the process of RECERTIFICATION, I used the NELNET calculator to determine my monthly payment : Married, XXXX child, AGI for XXXX was @ {$17000.00}. According to the calculator, my payment would be {$0.00}. My XXXX AGI was @ {$7000.00}. According to the calculator, after my IRS file was accessed, my payments starting on/about XX/XX/XXXX - XX/XX/XXXX, would be $ XXXX/month. I am employed in XXXX  for a non-profit rural hospital. Based on the location, wages are @ 15 % lower than in other locations. After I completed the recertification I received a note indicating the application was complete. As time began to close in on the deadline, I called NELNET three different times and related my concerns that the website indicated my new payment amount went from {$0.00} to @ $ XXXX/month. I was told not to worry because they were behind in processing recertifications. I was also told that if any further information was required I would be notified by an email. I was never notified and never received an email asking for additional information. I dib begin receiving notices that my @ $ XXXX/month payment was nearing its due date. Again, I called to ask what was going on and was assured my recertification was still in the processing and that I should hear back in the next two weeks once the recertification was complete. NELNET confirmed my income and family size via the IRS. The IRS sent me a notification that NELNET had accessed my IRS file well before the XXXX date. There was no reason for any delay. There was no request for additional information once I filed my application. My marriage status, dependants and income qualify me for the $ XXXX/month repayment under the repayment plan I was previously enrolled.