davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC (CA)

On XX/XX/XXXX XXXX XXXX XXXX send me a letter on behalf of Calvary SPV LL saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.
Consumer complaint received 2022-12-30
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: WELLS FARGO & COMPANY (NY)

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : WELLS FARGO XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/2021 I received a notification that a {$450.00} purchase was made using my Venmo debit card information through the app XXXX. I did not make this purchase. It has been a month going back and forth with Venmo trying to resolve the issue but I am the one thats left to pay for something someone else bought with my information. I immediately contacted XXXX and they closed my account and marked the purchase as fraudulent. A couple days later my account information was used again but denied because my account was closed already. I was immediately notified. They were wonderful. 
Venmo credited me the money while they were working out the dispute but has denied my claim and left me paying for the purchase. They took the money out of my account today. I am beyond frustrated as to why this cant be resolved. I first contacted the company support on the XXXX immediately and again on the XXXX and multiple times in XXXX.
Consumer complaint received 2018-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TX)

I have a total of 8 student loans on my credit report, only 2 have been  validated. On XX/XX/2018 I mailed a certified letter to XXXX College to seek validation of the debt they are claiming I owe and I never got a response.I attended XXXX XXXX College around the time XXXX College is stating I took out a loan. I allowed them 30 days from the date of the receipt to provide me an original copy with my signature on it. They have failed to comply and according to the Fair Debt Collection Practices Act I have the right to request validation of the debt XXXX College is saying I owe. Also I have another issue with XXXX XXXX College, I have been contacting them to provide me with original copy with my signature on it as well for the loan they are saying I owe. I am requesting proof that I am the party you are asking to pay this debt.
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (DC)

This is in response to CFPB Case # : XXXX This complaint is to point out the violations of this company and seek proper resolution. To start there is no legally binding contract between LVNV LLC, its affiliates, and myself, a federally protected consumer. I, the consumer have no relationship with LVNV and their affiliates. With respect to the violation of the FDCPA LVNV has committed they are as follows. Violation of 15USC 1692b ( 5 ) as the letter attached and sent in a previous complaint where LVNV stated it was their initial communication violated this code by having symbols and language that indicated the debt collector is in the debt collection business. LVNV is also in Violation of 15USC 1692c ( a ) as they have no consent to have communicated with the consumer. Additionally they are in violation of 15USC 1692e ( 1 ) and 15USC 1692e ( 2 ) as LVNV are attempting to collect an alleged debt for services they have NOT rendered and an erroneous balance owed to LVNV. That is false and misleading.

Additionally, LVNV has violated 15 USC 6802 ( b ) ( 1 ) ( b ) and 15 USC 6802 ( b ) ( 1 ) ( c ) as they did not provide the consumer opportunity to opt-out of having my nonpublic personal information disclosed to third parties without consent as well as, i was not given an explaination of how I can exercise that non disclosure option.
Consumer complaint received 2017-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Navient has me paying two separate private loans. Which is two separate bills ontop of the consolidated federal loans I have a bill for. They should be consolidated and the interest rates are ridiculous. One is 10 % and the other is 13 %. I do n't think students get enough help and we graduate to have three different loan payments. Navient has n't offered any solutions. I 'm going to try to find the paperwork with these high interest rates. Hopefully there is some way I can just have one private loan payment with a lower interest rate. My federal loans are 5 % so that 's great no complaints there. Please help. How do we get private loans forgiven? How do we get private loans consolidated or my payments lowered.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-05-31
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with WAKEFIELD AND ASSOCIATES with a balance of {$1200.00} and an original creditor of XXXX XXXX XXXX This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2023-04-06
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)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file for litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Informative Research (WA)

XXXX  said I had to dispute these with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ) Here are more hard inquiries that I did not authorize : XXXX XXXX XXXXXXXX XXXX XXXX Informative Research XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX $ and XXXX XXXX XXXX XXXX XXXX XXXX $ Are paid in full. Get them off of my credit report! 

NONE OF THEM ARE JOINT ACCOUNTS!
Consumer complaint received 2021-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.
Consumer complaint received 2021-04-14
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 ()

XX/XX/2021 : Account closing XXXX XXXX frozen ) PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. we find this behavior unfair, which is causing enormous economic and moral damage to me and to my company My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I ordered an advent calendar from the company XXXX for {$43.00} on XXXX, 2020 using PayPal , Transaction XXXX. I have not received the advent calendar and the several attempts to contact the vendor is responded with an obviously bogus tracking number. I had requested my money back and they list a money back gaurantee on there site. The reviews for this company all list the same experience and it is very apparent that it is a scam.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Good Day, I received the attached letter from the XXXX XXXX XXXX, informing me of a credit score. I am not aware of any credit issues, and I would like to receive a copy of the Credit Report.

I have tried on line, as well as via telephone, however, i am unable to process my request, as I do not live in the US, and therefore do not have a Social Security #. 

Is there another method for me to obtain the Credit Report, without having a Social Security #? 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (FL)

( 1 ) As of XXXX Exeter XXXX finance has stopped providing me with monthly statements and additionally, has failed to provide me a detail breakdown of how much interest has applied daily to my account with a daily balance despite numerous requests. 
( 2 ) Exeter finance took my whole {$400.00} in interest for an online payment submission that was not submitted to my bank which was no fault of mine neither was I notified that the payment was unsuccessful. 
( 3 ) As of XXXX/XXXX/2015 after my most recent monthly payment of {$400.00} Exeter finance has posted a balance dated XXXX/XXXX/2015 ( see account summary attached ) {$9700.00} however as of XXXX/XXXX/2015 I still can not see what my current balance has reflected to date since this summary balance statement has a date for four months down in the future. My husband and I have paid over $ 5000- {$6000.00} on the car already and we still have a high balance as well as we are unclear how high the exact balance is. 
( 4 ) The car paint faded in two-three weeks after we purchased the car as if the paint is burnt out. we felt we were shorted on that end also.
Consumer complaint received 2018-05-24
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.I have made a report with the FTC identify theft. Enclosed is a copy of the report. 
XXXX XXXX XXXX Originally came fro XXXX XXXX in the amount of {$1900.00}. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I been disputing items on my credit report that does not belong to me and the items where removed and replaced with other in accurate debt that does not belong to me. Equifax keep addressing me as XXXX XXXX XXXX and I don't have a initial with XXXX in my name. My name is XXXX XXXX.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Natl Recovery : # XXXX, XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-02
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. (MD)

XXXX XXXX XXXX XXXX XXXX began servicing my mortgage in XX/XX/XXXX after it was sold from the prior servicer XXXXXXXX. First, XXXX has continued to incorrectly report to the wrong original loan amount of {$370000.00} as of XX/XX/XXXX. T.hey have document records that the original loan amount was {$390000.00} and not {$370000.00}. Secondly, XXXX has continually reported the wrong outstanding balance owed each month to the credit report agencies. As of XX/XX/XXXX, XXXX has reported my balance owed as {$360000.00} but has mailed a statement that shows my outstanding balance is {$360000.00}. Since, my original loan amount was {$390000.00} as of XX/XX/XXXX, I have paid a total of {$29000.00} toward the principal balance. XXXX 's inaccurate reporting of the original loan amount as ( {$370000.00} ) and inaccurate outstanding balance as of ( {$360000.00} ), result in the CRA reporting that only 4 % of my mortgage has been paid since XXXX. THIS is wrong and has impacted my ability to obtain new credit. I have written the customer service department of Rushmore, who has continually not provided the correct information to CRA after I have disputed them three different times since XXXX.
Consumer complaint received 2021-06-10
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: General Motors Financial Company, Inc. (WA)

XXXX  said I had to dispute this with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ). 

Here are more hard inquiries that I did not authorize : XXXX XXXX  AmeriCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

THIS IS XXXX XXXX! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I ALSO FILED A COMPLAINT ON XX/XX/2021 COMPLIANT # XXXX. I AM NOT SURE WHY YOU HAVE STATED I AM NOT WHO I SAY I AM AND THAT I HAVE AN AUTHORIZED THIRD PARTY WORKING ON MY BEHALF. 

AGAIN, I AM XXXX XXXX THE NATURAL PERSON SUBMITTING THIS ON MY OWN BEHALF. I AM AWARE THIS IS A STALL TACTIC BEING USED TO PREVENT YOU ( XXXX, EQUIFAX & XXXX  ) FROM DOING YOUR JOB! I WILL BE USING ALL RESPONSES AND COMMUNICATION REGARDING THE MATTER AS ADMISSIBLE EVIDENCE IN ANY MATTER REGARDING THESE ACCOUNTS. 

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. As of today I have not received a response yet. I feel I'm being taken advantage of and being ignored in regard to my disputes. As I stated before this has been an ongoing struggle for almost 1 year with trying to get the bureaus ( XXXX, EQUIFAX & XXXX  ) to investigate the inaccurate and unknown items on my credit report even after I have sent validating information to support my dispute. I never gave you ( XXXX, EQUIFAX & XXXX  ) authorization to add anything on my report nor did I give any creditor authorization to give ( XXXX, EQUIFAX & XXXX  ) anything to add to my credit report and I want these items removed immediately! These are illegal and unlawful accounts on my credit report, I already sent all my identification needed for authorization. 

I demand these accounts be removed immediately for violation of my right to privacy Fair Credit Reporting Act 15 United States Code 1681b ( 2 ) and you did not have have permissible purpose to furnish this information on my consumer report ; and violation for Fair Credit Reporting Act 15 United States Code 1681i Procedure in case of disputed accuracy ; If this is not removed immediately I will file for litigation due to the stress you have caused me and contact Attorney General office to make a Compliant, as well as Federal Trade Commission and the XXXX XXXX XXXX.
Consumer complaint received 2019-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

On XX/XX/2019 I did purchase with my PayPal account and they blocked my account, with no explanation. I tried everything ( phonecalls, mails, XXXX contact ) but they decide to hold my funds for 180 days. I still disagree with the decision to deny my appeal I will abide by it however, because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

Now, 6 months later I need my founds and the do not contact me or anything. 

I Still have to hold XXXX $ on my account
Consumer complaint received 2021-05-31
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: EQUIFAX, INC. (TN)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2021-07-23
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 contacted the credit bureaus on XX/XX/21 regarding existing disputes from my client. Our client was ready to buy a house, so I proceeded to ask all three credit bureaus to remove all disputes. The credit bureaus told us that they would be removed after 3 days. XXXX  and XXXX  did remove the " dispute '' status, however, Equifax did not. On XX/XX/21 I decided to follow up with Equifax, and they said the same thing, " it would take 3 days ''. On XX/XX/21 my client 's lender tried to get him approved but the disputes from Equifax were still pending.