davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I received a notice that a new account has been reported on my consumer report without written permission. This adverse action has affected my ability to live in a new apartment. I never have done business with LVNV Funding LLC and i have never gave then written permission to post to my consumer report. I never received a notice in the mail that i could dispute this alleged debt. This account needs to be removed immediately from all consumer reporting agencies. My consumer rights have been violated by LVNV Funsing LLC not having the authority or right to post inaccurate information to my consumer report. Reported on XX/XX/2022 2022
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advanced Recovery Systems, Inc. (MS)

In XXXX, I was transferred to XXXX XXXX Hospital in XXXX, MS from another hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had XXXX insurance at the time. I gave all my insurance information. My insurance was filed, and XXXX paid XXXX XXXX. Later XXXX resended the payment stating out of network. When it is an emergency XXXX, I was told you couldnt do that. Fast forward. XXXX XXXX sent bills to an old address. I was not notified of this until XXXX. I was notified by Advanced Recovery Systems in XXXX, MS. XXXX was the man who called. He stated that I had received a check from XXXX for XXXX. I stated to him I didnt know what he was referring to I had not received any check from XXXX . He was very ugly, and hung up. Fast forward to XX/XX/XXXX. While at work, I was served a garnishment in the amount XXXX. It was served by XXXX Law Firm in XXXX, MS. Advanced Recovery Collections had turned it over. I called Advanced REcovery, and spoke with XXXX. He stated to me that by law XXXX XXXX had to write the balance off since it was an emergency XXXX. He stated to me that he would accept the write off, but I needed to pay them XXXX  in fees. He stated that if I could not pay off the XXXX  in full the garnishment would be for the full amount of XXXX  even the XXXX XXXX that has been written off. I have been having my check deducted since XX/XX/XXXX. I have paid XXXX to them. I do not believe this is legal. Please help!
Consumer complaint received 2019-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2018, I made a transaction on this site named XXXX  to sell a hoodie for {$620.00} through PAYPAL. He only recently said that it had flaws/was not as described so he tried getting a refund, which I thought was peculiar. 

What was also suspicious was that, on the site that we made the transaction on ( XXXX ), his account had been frozen/banned. Accounts are usually only frozen/banned when someone is trying to scam someone on that website. 

Nevertheless, I was still willing to refund the buyer of all the money paid ( {$620.00} ), if he had sent back the hoodie. However, he only sent me a fake package stuffed with empty boxes inside to try to scam me. I've attached a video of me opening the box that he sent since I was suspicious and knew this was a common buyer scam that exploits PayPal 's policies. The tracking number on the package is the same as the one he sent when he escalated the PayPal claim. 

I have tried escalating this claim to PayPal but they have sided with the buyer. I called several times trying to work this out with PayPal, but they would not accept my video of me opening the FAKE package, or abide by Seller Protection which should have prevented the refund since the buyer did not even send the item back. 

I have time stamps of when the fake package was delivered, and when I opened the video, which was an hour after the package was delivered. I've also screenshotted the weight of my original package, which I'm sure does not line up with the weight of the package the buyer sent me, since it was just empty boxes. 

Please, I am just trying to dispute this since he already has my item, I do not want him to steal my money as well.
Consumer complaint received 2019-04-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On XX/XX/19 I spoke with 3 agents regarding 2 negative identity theft accounts on my report. I wanted to know why they were put into dispute opposed to deleted like the other identity theft accounts were that was on the SAME FTC report and the last agent refused to transfer me to a supervisor as she explained to me that I hadn't submitted enough PROOF that the accounts were fraud and I needed to submit more information for them to delete the accounts. When I asked what additional information is needed she stated that there are NO requirements so she couldn't tell me just I needed to submit more information. Previously I notified Experian of 5 accounts that were identity theft, 3 of them were deleted with no problem but the2 remaining, however, were not and they were ALL listed on the same FTC report, Police report and explanation letter, so I'm confused as to how 3 of the 5 meet standard for deletion but 2 do not. This has been going on sinceXX/XX/2019, when FCRA rules state once an FTC report is issued the bureaus have 3 days to delete the items. I sent inXX/XX/2019 a notarized FTC report, 3 police reports in one named the suspect, a swore letter that the accounts were fraud, however, Experian is the only company I have had a problem with removing these two accounts.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from XXXX XXXX XXXX showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (GA)

I have identified information on my report that are a result of identity theft these are not related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-04
Product: Debt collection — I do not know
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: Alliant Capital Management LLC (WA)

XX/XX/2019 XXXX PST - agency called my husband and my employer threatening both of them and trying to obtain informaiton on my whereabouts because of " legal course of action taken against me '' ; they had advised them to let me know to contact them in the next 2 hours otherwise I will be arrested by XXXX EST. Left multiple voicemail messages on my husband 's phone following that conversation. 

Agency : Alliant Capital Phone number : XXXX
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (IA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX, I was reviewing my XXXX checking account and noticed I had Non-sufficient fund transactions ( NSF ) actions on XX/XX/XXXX, XX/XX/XXXX where there were clearly enough money to pay the minimum payment amount that I authorized to be withdrawn monthly for my minimum payment amount to Sears Citi. I called my bank to address the XX/XX/XXXX and XX/XX/XXXX transaction and they agreed that something clearly was not right about the transactions being that there was ample funds in my account, and all of the previous authorized monthly payment from Sears were withdrawn from my account ok. Unsure what happened they agreed to investigate. On XX/XX/XXXX, I checked my XXXX bank account for review and noticed another NSF fee from another Sears transaction dated XX/XX/XXXX. At that moment I immediately phoned Sears ( recording stated call was being recorded for training purposes ) to find answers on why my authorized minimum payment was not being withdrawn from my bank, and why I was accumulating NSF transactions when there is clearly funds in my account. The representative then informed me that Sears was attempting to make a withdrawal from my XXXX account in the amount of XXXX dollars for the balance of a promotion from XX/XX/2016, which I did not authorize Sears to withdraw any money from my XXXX account at the end of the promotion. I never received any call or mail correspondence in regards to authorizing Sears Citi to withdraw money from my XXXX account for balance from a promotion, and found this action to be truly unlawful and warranted legal action with punitive damage ( recurring NSFs can be detrimental to my home buying process, employment, and my good history with my bank ). Decided to contact CFPB to ensure that myself and other law abiding citizens are not being tricked, as well as have unlawful, unauthorized bank account withdrawal by Sears Citi.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX Account number XXXX. 
Has violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions. 
Account number XXXX has also violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was not notified of any results from the credit bureaus. On XX/XX/2022 I sent in letters requesting verification on some incorrect items that's reporting to my credit. These negative items are holding me back from opportunities I can have to improve my financial situation. I'm already on a social security-based income. Please help me solve my issue.
Consumer complaint received 2022-08-18
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. (MS)

Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with XXXX. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump XXXX  for failure to process and approve thousands of Borrower Defense to Repayment applications.
Consumer complaint received 2019-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

XXXX purchased my loan under a year ago. They have since raised my interest rate 2 times, to over 50 % higher than it was when purchased. I overpay ( 'prepayment ' ) each month, and am being told through customer service that, " The payment amount may be adjusted to ensure you are paying the minimum amount required to pay the loan back within your loan term. Re-amortizing the loan prevents a large last payment from being due at the end of the loan term. ", which to me is very clearly stating, 'We are losing out on long term profits as you are overpaying and therefore need to make up for our lost profit by raising your interest rate, effectively punishing you. ' This feels predatory. Is there any consumer protection to prevent this type of behavior by the lender?
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (GA)

I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges mentioned on the attached list. I have reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2019-02-11
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. (TX)

Company claim they verified this On XX/XX/2018 I checked my Equifax credit report, I notices two accounts on my report that not mine .I disputed this threes times with Equifax and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Equifax to remove this account due undocumented proof.
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank reported to the Social Security Administration that they had or have sent me an actual check and reported me to the social security administration as Income Therefore the Social Security Administration has been penalizing me into payiing this money back to the XXXX as overpayment and me not reporting it as income, The amount is to be {$5200.00}. 
I have asked Wells Fargo Bank to send me a copy of the check they gave to the XXXX which I also asked the XXXX for a copy of the check, to no avail from both offices. 
as of this writing : XXXX XXXX. 
I believe this matter has been going on now since about XXXX after several calls to both entities. 
I can provide more details on dates and several persons names of both entities. 
Your full and prompt cooperation in this matter will be greatly appreciated. 
Sincerely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (PA)

I have reached out to the Prof Bureau of Coll. of Maryland Inc. and I spoke with XXXX XXXX at XXXX extension XXXX. 

I asked the rep to verify my alleged student loan debt that they keep attempting to collect. They have reported defaming information to all of the major credit bureaus which is inaccurate and not verified. I am unable to purchase a home because of these comments which deem me un-creditworthy. 

I have repeatedly asked for any agreement that I have with the Prof Bureau of Coll. of Maryland Inc that gives them a right to collect this alleged debt. I've asked for verification of the original instrument of indebtedness in its original form to which they have failed to supply and even some times flat out ignored my request. 

Please advise ...
Consumer complaint received 2019-09-18
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. (ID)

I sent notarized letters to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for physical verification of several accounts that are affecting my credit and they have declined all 4 times to provide me with what I have requested. All will be available in the attached files.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

XX/XX/2021 to current XXXX i owed XXXX XXXX XXXXt that amount went to collections with lvnv fund i paid lvnv fund they removed from my collections but web bank didn't they still have on my credit report won't remove won't update that was paid won't do anything per agreement that i pay it would be removed but i have called emailed disputed nothing changes then i called XXXX they said it would be removed it was to be removed in XXXX but they would make sure was removed still won't remove or update no matter how much i dispute it's illegal that they don't update that i paid as agreed or remove like they promised
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, 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. (LA)

unauthorized inquiries:
Equifax Information Services LLC
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX                            XXXXXXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX       XXXX XXXX XXXX XXXXXXXX  
XXXX XXXX XXXX           XXXX XXXX XXXX
Consumer complaint received 2019-10-08
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. (NC)

I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. I was supposed to receive investigation results by XX/XX/XXXX, but I still have not received anything in the mail.
Consumer complaint received 2019-02-11
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)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-18
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: Experian Information Solutions Inc. (ME)

There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

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 2019-02-11
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: ALLY FINANCIAL INC. (IL)

I received a denial letter on XXXX XXXX, 2019, from Ally Bank for a car loan, due to information supplied by XXXX credit reporting bureau. The credit score they supplied for me was 70 points below the other 3 reporting agencies. My husband 's score was 110 points lower than the other 3 agencies. I have no idea who this company is or how they are authorized to report on my credit status. From the information I have Ally Bank is the only Bank using this company. They are definitely not using the industry standard for Credt Scores. They have made up their own numbers ( XXXX ) and they are affecting my credit score and my ability to get credit. They also listed something about not having my phone number long enough. I have had the same phone number for 40 years. How can I stop them from lowering my credit score that we have worked the last 40 years to establish?