davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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. (SC)

XXXX XXXX- {$1700.00} XXXX XXXX I have reported this account numerous times because it's fraud. I don't know nothing about this account. 


XXXX XXXX XXXX XXXX XXXX ) {$600.00} Reported on my report XXXX XXXX I know nothing about this report because I'm not aware of it.
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I have never heard of " LVNV '' or the purported original alleged creditor. I do not owe them any money whatsoever. I am, and have been, the victim of identity theft. When I saw their derogatory entry on my credit report on XXXX XXXX XXXX  I took immediate action by filing a dispute there, with the bureaus, and with " LVNV. '' That's why I am shocked to receive a notice today from " XXXX '' that " LVNV '' has not been removed from my " XXXX '' report. It makes me think that " LVNV '' is predatory and may have lied to " XXXX '' about this alleged account, but this is only a theory and my opinion. " XXXX '' likely contacted them ( " LVNV '' ) when prompted by " XXXX '' and that was it ; there seems to be no real investigation. I have never been contacted by " LVNV, '' and when you look them up, their ratings and reviews are not good. Nevertheless, because I know I am in the right, I have written to them. Can you please help me? Thank you!
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (MA)

I requested a refund for student loan payments made since XX/XX/XXXX. I called Edfinancial on XX/XX/XXXX to request this. It took roughly 4 hours to speak with anyone. 

Edfinancial was able to put through my loan request but told me it would take up to 180 days. The total amount I should be receiving is around {$4700.00}. This is a full half year to receive this refund. I am eligible for loan forgiveness and without the refund being processed prior to XXXX, the money from this refund will not be forgiven. 6 months is an incredibly long time to process this and my loan balance needs to be adjusted sooner than that.
Consumer complaint received 2020-07-31
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. (IL)

XXXX ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (FL)

I want to express my disappointment with PayPal Credit and worried that they have my personal information with their horrible record keeping system. After about 4 months of going back and forth about my application. I was originally denied in error back in XXXX, but after I called to clear this up they submitted a manual applciation. Ever since then it was diificult reach an operator who would give me an update of this " manual application. '' Today I basically felt I was brushed off by a PayPal Manager and the Supervisor, XXXX XXXX, who just wanted me to go away and stop bothering them about this application that everyone told me was pending. They now tell me it was no approved but that it was for Credit reason, even though I was never informed, even though every operator I spoke to since XXXX has told me they will inform me by email and a phone call. 
Now I see that I was never going to be informed. I usually have an extremely high credit score, so I do not understand the reason for being denied for " credit reasons. '' I felt worthless by these operators, Manager, and Supervisor of PayPal Credit. 
I always tried to be understanding and courteous, giving plenty of days/times for them to get back to me on my application. But I was no met with the same respect. Being told by phone that my application was straight out denied after 4 months, with them submitting about more XXXX applications after XXXX taking my S.S. and income for nothing. And apparently I was never going to be informed, I had to call, again, to get this disappointing news. 
This has left me to believe a completely negative aopinion of how PayPal credit works, how their applications are run, how they hurt my credit score, and I am worried that my informaiton will be leaked by fraud with their weak record keeping. 
I hope this is addressed. 
Thank you
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: Experian Information Solutions Inc. (NY)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2020-09-24
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: JPMORGAN CHASE & CO. (CA)

I am a Chase Sapphire Preferred Card Holder. I have disputed an unauthorized charge multiple times now with Chase that they refuse to act on. I have proved that the vendor was supposed to fully refund and then didn't. I have proved that I am legally in my right to dispute the charge. They will not honor our card holder agreement and follow through on the dispute. Furthermore, now they are being deceptive and saying they haven't received any documentations from us yet they have been mailed, emailed AND faxed. Chase is showcasing deceptive practices on not protecting us as their consumer.
Consumer complaint received 2019-06-13
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. (CA)

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete the following accounts XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX   HOSPITAL ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  HOSPITAL XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Consumer complaint received 2020-09-24
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. (SC)

I paid off a XXXX 's account that was transferred to XXXX. XXXX 's had previously reported the payment of XXXX but still reflected a balance when in fact this account was settled as of XX/XX/20 there should not have been a balance reported PERIOD! Now it has been reported to Equifax that I now owe almost {$6000.00}. This information has been reported erroneously and I will take further action if this account is not deleted immediately. You can not report inaccurate information!!!! I am in the middle of purchasing a home and this inaccurate information can be detrimental.
Consumer complaint received 2020-09-24
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. (OH)

It's been over 60 days and no sign of investigation. I've contacted the Credit Bureaus in XXXX and no information has been given and credit report shows no sign of investigations. I have no knowledge or obligation to accounts and would like removed immediately.
Consumer complaint received 2017-01-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Eastern Management Group LLC (CO)

I owe a bill of {$440.00}, they 're wanting a total of {$660.00}. They 're tacking a extra {$200.00} on the total. I can pay the {$440.00}
Consumer complaint received 2019-06-13
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. (CA)

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete the following accounts XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX
Consumer complaint received 2023-03-31
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. (WI)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XX/XX/XXXX.
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. (NY)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2020-12-18
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. (GA)

In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX XXXX  The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.
Consumer complaint received 2018-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited my first pay check for the amount of {$1400.00} from a new employer, Into my checking account at Bank of America. That was placed on hold for an over extended period of time, ( from XX/XX/20018 to XX/XX/2018 ), considering the relatively small amount and local bank branches involved, time with my bank, and funds being available for withdrawal from employers account. And being given false and/or incorrect information that the funds will be available by the following day. In violation of my consumer protection rights, and federal rules and regulations. Unfairly causing me undue hardship with past due utilities ( gas, electric, and water ), that may get shut off, and with my past due truck payment, that may get repo'ed for none payment as I had agreed to pay a past due amount on pay day. Furthermore, the lack of food in my home, and other necessities needed. 
Moreover, my requests for release of funds or to please expedite the process for the above reasons was refused, And negligently ignored and unfairly declined without further explanation except for, I was told, for their protection in-case the check did not clear. And that it will take until XXXX XXXX  Wed. the XX/XX/XXXX to do so.
Consumer complaint received 2020-09-24
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: ID Analytics, Inc. (CO)

I applied for and received a auto loan for a used car. Subsequently I received a letter from XXXX XXXX referencing credit freeze on my record with XXXX, which I authorized and their letter also reference SageStream LLC.

SageStream reported incorrect credit score and incorrect factors which affected my score as reported by SageStream.

I have never heard of SageStream, never authorized them to be used

or consulted regarding my credit score. Their information is incorrect and there is no way to reach them without disclosing too much personal information. I do not want to release personal information to a company I have not chosen to use nor one I have never heard of.
My credit score is readily available from XXXX, XXXX  and XXXX. I my records deleted from SageStream LLC. 
.
Consumer complaint received 2016-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC sent me papers with a Writ of Garnishment. They attached court papers with XXXX XXXX XXXX, XXXX as the plaintiffs from 2010. I do n't owe any of these companies and was never served any court papers. I do n't make a lot of money and barely make ends meet with my bills. I take care of my retired XXXX year old mother. Garnishing XXXX % of my paycheck will break me. 

I would be grateful if you guys can get these people to stop harassing me. Thank you!
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am filing this Complaint because I sent the following letter to ALL Credit Reporting Agencies... On XX/XX/XXXX " As a Federally protected Consumer I am now exercising my right to opt out of all authorization, I, the Consumer, may have given you ; written, unwritten, verbal, and non-verbal.

You are in violation of my Privacy Rights for sharing my personal information i.e. credit reporting with non-affiliates per 15 USC 6508 i.e. obligations in respect to the disclosure of personal information and 16 CFR 313 Privacy of financial consumer information.

You are in violation of my Rights pursuant to 15 USC 1681 ( b ) needs written permission from consumer to disclose personal information i.e. credit reporting.15 USC 6802 ( b ) Non affiliate third party cant disclose information to.

Per the Privacy Act of 1974 and 15 USC 6802 I request that ALL Charge-offs be removed now because they are certificates of indebtedness, which means it is considered income and must be removed. 

Regarding these violations, I am requesting that you update ALL accounts to Paid as agreed in accordance with the Fair Credit Reporting Act & 15 USC 1681 all reporting across credit bureaus have to match I may be entitled to under 15 USC 6508, 15 USC 1681 ( b ), 16 CFR 313.7 ( f ) Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 

I request that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Experian who verified the dispute with the original creditor. 
Remove any Student Loans reporting in violation of Family Educational and Privacy Act of 1974 '' I would like to note for the Record that on XX/XX/XXXX I discovered that my identity had been stolen by receiving a XXXX report that had my social security number but the wrong drivers license for an inquiry dated XXXX inquirer : XXXX on behalf of XXXX XXXX XXXX XXXX XXXX