davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2020 I deposited {$1200.00} via bank transfer into Venmo as I have created an account with their peer to peer payment service for the first time. That payment cleared this morning and upon attempting to use their service I was unable to retrieve any money from the account. They notified me that it would be 8 to 10 business days before someone would get in touch with me from account services in order to fill me in and provide the help I need to utilize their service. They stated the account was frozen. I demanded to have my deposit refunded and to terminate my account with their service, that demand was met with an explanation that there is nothing this particular associate could do to help me and I would have to wait to be contacted. 

This is predatory in nature as I have nothing on my credit report or history pertaining to PayPal, Venmo or anything of the sort that would lead me to believe perhaps fraud taken place under my name that I was unaware of. I have a business which utilizes PayPal to conduct transactions. The more appropriate way to put it is that we used PayPal before we ran into so much trouble with them, there was large scale, in my sense, maybe {$1000.00} or {$2000.00} total within a 60 day period where A client whom I have a long-standing business relationship with and was paid for several years via traditional check for the service I provided that same client fell into financial hardship and decided to go on a tirade with several companies they did business with, me being one, and disputed every single payment they had ever made over the course of a 2 to 3 months. In an effort to retain money and keep their business afloat. PayPal refunded their money, after I sent them a 2 year history of payments issued to my company by that client, they still sided with the consumer. I can only presume that my dispute with PayPal through my business account is why Venmo would knowingly accept a deposit for {$1200.00} with the intention of keeping it. 

However I do believe that is far from the issue as a business account held by an LLC would protect me, the individual, if I chose to open a personal account under a subsidiary of Paypal in Venmo. Their practices are predatory and deceptive they allowed a deposit to come into their account knowing full well they had no intention of me being able to use it any issue they have with my business does not pertain to myself as an individual and after reading what I read online I could not believe how many people were taken advantage of in my opinion by Venmo. Someone please help me with these guys as they have way too much money for me to try to take to court.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

I live in XXXX and received 2 collection notices from Credence Resource Management LLC for debt that is not mine. The original creditor is XXXX XXXX XXXX from XXXX XXXX, XXXX. One was dated XX/XX/XXXX for a total of {$7200.00}. The other letter was dated XX/XX/XXXX for a total of {$4200.00}.

I have never been to XXXX in my entire life. This debt is not mine, please help!

I mailed 2 certified dispute letters today XX/XX/XXXX to both locations listed for Credence Resource Management. One mailed to XXXX, XXXX and the other to XXXX, XXXX. 

Thanks in advance for your help!
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

This bank us horribke Everytime I apply they dont even try to approve me anymore their system hates me I want my delta credit card and I got error message they dont even check the latest copy of my credit report to see if I qualify they use an old report for denial this is ridiculous when my credit had changed over the years but they dont care to see this or get me approved how is this fair Ive tried many times I hate them I give up with this bank
Consumer complaint received 2021-07-07
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. (TX)

I have been waiting for the investigation results from XXXX, XXXX and Transunion regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my dispute.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

Received notice from stillman law office on XX/XX/21 stating they are representing XXXX XXXX XXXX XXXX in regards to a debt collection. On XXXX XX/XX/21 I received an email from XXXX XXXX XXXX company stating a debt was due. I emailed the company on XX/XX/21 requesting that the company validate the debt. No response has ever been received.
Consumer complaint received 2019-05-20
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. (CA)

Experian credit reporting bureau Date of XX/XX/XXXX Company XXXX XXXX Its a car lease that was not mine. It was removed from my credit in XXXX and then put back on in XXXX. I dont know why but I have have been disputing it ever since and they will not remove it. Instead they keep updating it which keeps it on longer.
Consumer complaint received 2018-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am in the process of purchasing a home and I reached out to Navient for a repayment plan that would best suit my financial situation and to ask why they have reported to the credit bureau 's that my loan was in deferment, when I was in forbearance, not deferment. They put me on an income based repayment program and said that I was not in deferment, and it shouldn't be on my credit report. My mortgage broker 's credit report and my own credit report reflects the deferred verbiage. Also, I made a payment towards my student loans in XXXX, and I received a notice that my total balance has increased as of today, XX/XX/XXXX. HOW? When I call in to speak with their customer service reps, why don't they advise that the repayment amount goes towards interest and that the balance can still go up as you are making monthly payments. Why am i making payments towards a balance that just increases?
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc (MA)

On XXXX XXXX, XXXX. I received a call from XXXX at East Point Recovery group. My phone disconected as I was talking to him before he even had a chance to say what the call was about and inmediately he called my sister exactly 3 minutes after and then my husband. He told my sister to take a message for me to which she said she wasnt interested but if she was I am sure he was ready to disclose my debt. I do not want this company to contact me or anybody who is related to me let alone share personal information. XXXX voice on his voice mail was rude and I have no desire on having any type of contact with him. I know theyre not supposed to harrass me or any of my family members as well as not supposed to offer to leave messages for me with anyone so I hope this issue is solved.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 my wife and I were filling out a loan application for a new home. Every time we have tried they always just tell is we dont have enough credit. Well this time the lender asked us if we may have a freeze on our credit. We were unsure of that not even knowing you could do that. We called and we did on our Equifax reports. She was able to have hers removed. But they wanted me to send in my personal information through the mail to verify my identity. They asked me for my social security number and date of birth, then told me it didnt match their records and wouldn't help me any further. I refuse to send in my personal information through the mail when I did not place the freeze on my credit!!
Consumer complaint received 2018-06-13
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. (TX)

There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In Collection Opened on XX/XX/XXXX DISPUTE REASON : ACCURACY : UNVERIFIED ACCOUNT, UNVERIFIED LATE PAYMENTS. 
THIS RECORD CONTAINS MULTIPLE INACCURACIES. PLEASE VERIFY THE ACCURACY OF ALL DATA. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX # XXXX In Collection Opened on XX/XX/XXXX DISPUTE REASON : ACCURACY : UNVERIFIED ACCOUNT, UNVERIFIED LATE PAYMENTS. 
THIS RECORD CONTAINS MULTIPLE INACCURACIES. PLEASE VERIFY THE ACCURACY OF ALL DATA. 

Please remove all non-account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 


Thank You, Sincerely : XXXX XXXX XXXX
Consumer complaint received 2020-06-27
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: Razor Capital, LLC (AR)

RAZOR-CAPITAIL OWNS XXXX ACCOUNT NO.XXXX, LAST PAYMENT WAS XX/XX/XXXX, AND THE STATUES OF LIMITATIONS ARE EXPIRED AND MUST BE REMOVE BY ANY OF THE THREE. ALSO, ACCOUNT WAS LISTED IN MY CHAPTER XXXX BANKRUPTCY DISCHARGE THIS TRADELINE IN MY BK XXXX XX/XX/XXXX. WE ARE OPENING OUR BK SOON AND SUING RAZOR-CAPITAL AS WELL AS XXXX ALONG WITH XXXX IN ADVEERSIAL PROCEEDING SEE DISCOVERY
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

Resurgent Capital Services XXXX. XXXX  XXXX XXXX, MI XXXX Original Creditor XXXX XXXX XXXX Current Owner LVNV Funding LLC On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Unless I notify within 30 days of receiving letter, they will assume debt is valid and obtain judgement. 

I responded each time requesting a copy of the original " Bill of Sale ''. 
They respond by sending a " Account Summary Report '' that any one could make up in an XXXX  Spreadsheet. 

To date they fail to send what is requested. Odd that after replying in XXXX, I have not heard anything until this year.
Consumer complaint received 2018-06-12
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: Southwest Recovery Services, Inc. (SC)

I have made several attempts to dispute inaccurate information on my XXXX  Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to Southwest Recovery Service and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is Southwest Recovery Service Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. XXXX   has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

We revieved a statment from XXXX on XXXX/XXXX/2016 and paid it on XXXX/XXXX/16. BUREAU OF MED ECONOMICS Reported us to the Credit Bureau without ever contacting us
Consumer complaint received 2018-06-13
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: Experian Information Solutions Inc. (GA)

This complaint is in reference to information in my credit file. I recently received a copy of my credit report that Experian, XXXX or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that Experian, XXXX or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX XXXXXXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from Experian, XXXX or XXXX   and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised Experian, XXXX or XXXX, to no avail.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I followed a series of links ( that I verified were legitimate ) and applied for a credit card ( XXXX XXXX XXXX XXXX ) that would give XXXX bonus miles for my XXXX XXXX XXXX account ( if spending {$3000.00} ) within 3 months on XX/XX/XXXX. I did this but did not receive the bonus miles. 

In XX/XX/XXXX, after I felt I had waited long enough for the bonus to be applied, I contacted the company ( Chase Bank ) through the secure message center on their website. 

I was first told that we are sorry, you were not eligible for the bonus. I sent a detailed reply with screenshots that I had taken of the links I had followed and the credit card terms upon sign up ( they are attached to this complaint as well ). I received another reply simply saying again that I was " not eligible. '' I sent an additional reply message ( again ) asking for an explanation why I was not eligible. 

I then received a reply that did not say anything about eligibility, instead the reply said we are sorry but we can only handle these matters within the three months on signing up ( in other words, the time has passed for us to help you ). 

To me, it seems obvious that the company was first avoiding the issue by saying I was not eligible. When I demanded an explanation they then tried a different excuse about timelines ( by the way, this timeline is not mentioned in the card terms at all ). 

This seems to be a clear violation of the CARD Act. Additionally, if the promotional terms ( as stated in the attached material ) were not true, this would be deemed deceptive advertising under FTC guidelines. 

Of note : Ironically, the above messages that I described were sent through the company 's " secure message center, '' they have now been deleted automatically by the banking company. This is my fault as I am used to things like email and messages never being deleted ( I should have saved them to my computer ), but it again is just another strike against the company. Why would they be deleting secured communication? This is unfortunately the reason I can not attach the actual messages exchanged with the company.
Consumer complaint received 2018-01-04
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)

In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I've since received notice that my investigation was closed with all accounts verified from ONLY Experian, but didn't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that Experian has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EXPERIAN IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER CREDIT BUREAUS.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.