davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2017-04-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The credit agency Portfolio Recovery Associates after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. Thank You
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (AZ)

This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-03-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (MD)

I discovered late night on XX/XX/XXXX the following notice within my PayPal account. 

" Credit servicing on PayPal.com will be unavailable from XX/XX/XXXX at XXXX XXXX ET to XX/XX/XXXX at XXXX XXXX ET due to site maintenance. We apologize for the inconvenience. '' Today XX/XX/XXXX I received a reply from PayPal Credit informing me that nothing is wrong with my PayPal account but at this time some system will not allow transactions through my PayPal personal credit account. Furthermore within the letter it goes on to state the following : " PayPal does reserve the right, as indicated in our User Agreement, to limit the funding source for any individual payment. This is listed under section 3.4 of our Payments Policy. We realize that this can be a frustrating experience, but the security and integrity of our system is important to our company and to our customers. '' However, PayPal 's statements and its systems actions has no integrity since as a whole I can not use my credit as needed nor for any purchases where applicable. It has been restricted and I have been forced to use other funding options at checkout. 

Again nothing is wrong with my PayPal credit account as of today and my available credit covers the purchase.
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (PA)

I use a app called XXXX XXXX in which I am able to get money daily for the work I do. They front the money to me and my account is automatically debited on my payday. The problem is my bank does n't send the info fast enough to active hours so that they know they were reimbursed.
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (MT)

I had to research the phone number to discover who the company was. They continue to call my cell phone with a dialer ( There is a long pause and click before a human comes on the line ) despite the technology that allows them to identify the phone number as a cell phone.
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : RECEIVABLES PERFORMANCE Account number XXXX
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (CA)

I have had this {$300.00} in collections on my credit report for over 4 years. 

I've attempted to contact the collections agency several times without any success. My last attempt was on XX/XX/20. I have yet to receive a response.
Consumer complaint received 2024-01-29
Product: Credit reporting 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: Experian Information Solutions Inc. (LA)

My credit report on Experian was locked out due to an address error. Experian asked me to verify my information. They sent me a link through an email. I went to their website through the link and sent them the information they asked of me. My address, my ID, my social and I sent it back to them. They told me that they could not verify the information that I had given them and locked my credit report down so I can not use it. Creditors can not see my credit information. It has stopped me from being able to get a credit card recently because the credit card company that uses Experian could not see my account because it's locked. And not locked as in Frozen. It's locked as in the information can not be seen by creditors. I have reached out to experience several times about several problems that I have had with Experian. And this is not the first complaint. There has been several other complaints against Experian that I have sent. In Experian, stills keeps screwing me over making my life miserable. I feel like I'm being targeted, profiled Like Experian has such prejudice toward me or people like me. To this day my problem is still not resolved my credit account with Experian who reports my credit score. It's still locked and hasn't updated since XXXX the beginning of it. I can not purchase any credit monitoring software to see all three credit bureaus because Experian isn't reporting my credit score. I've even tried to purchase Experian credit monitoring system and I had to get a refund because of an error of Experian not reporting the right information. My address has not been updated and Experian claims that they can not verify my information. I've tried to reach out and call Experian several times, but I only get this automated computer or robot. You can't get in touch with a real person. It's like they blacklisted my number or something or my information because I can not get in touch with them.
Consumer complaint received 2024-01-29
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. (IN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

Account name : XXXX XXXX
Account number : 688031
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Penn Credit Corporation (VA)

This complaint concern a collection item placed on account through Penn Credit for a XXXX XXXX account. The account balance of {$340.00} was paid on XXXX XXXX, 2017. I requested that the item be removed from file because it was paid and an old account. I was told by the Senior Manager XXXX XXXX that he could not remove the account as it had to remain on the credit file for 7 yrs. This information was not completely accurate as I was told by the credit bureaus that the collection agency can in fact request them to delete the information. Even though collection items can remain on the file for a time period of 7 yrs., the items can be deleted. <P/>I believe XXXX XXXX practice on behalf of Penn Credit is deliberately an attempt to further jeaopardy the credit of the consumer and in retailation. As I was told by one of the account reps. that i could request the account to be deleted once it has been paid. However when i spoke to XXXX XXXX he stated that this was not the case. <P/>XXXX XXXX attitude was rude and obnoxious.
Consumer complaint received 2021-06-28
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. (GA)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I used PayPal on XX/XX/2021 for a transaction from a seller on XXXX The seller ripped me off and did not send all my items for one and the quality of the items made were not anything he said they were. Some were broken upon arrival. Some were flimsy and toy like. The items should have been sturdy able to handle impact and force. These could not. I wanted my money back the seller would not. I went through PayPal for a refund through the buyer protection they offer. 
Now PayPal keeps fighting me on my refund. They did not give me time to return the items or when I said the seller needs to pay for his junk to be shipped they were going to ask him and did not even wait for his response and denied my claim. This makes no sense since I was the one ripped off. 
I just talked to paypal again yesterday XX/XX/2021 and they have reopened the case. Told me I have ten days to provide a shipping tracking number. Today the XXXX I received an email saying that my claim was denied for not providing a tracking number. It wasnt even 24 hours!! 
I am tired of fighting with paypal to get my money that was taken from me by lies and deceit. Along with their actions of not protecting me like the said they would. I did nothing wrong and was taken advantage. I was supposed to be protected through paypal which is why I used them. Turns out they are thieves as well.
Consumer complaint received 2017-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

this is not the first or even the 30th time I have reported WF but after reading class action suits against the lawyers who filed my foreclosure and in light of the help I sought BEFORE they filed foreclosure I am filing yet another complaint and I ask this to be reassigned. XXXX who issued the XX/XX/XXXX letter has not followed up despite my requests to do so. and I still have no information I am requesting. Also I do need copies of all ALL letters sent toWFHm over the years. This will be to attaich to my motion to dismiss foreclosure I will be fiing since I did not get the required 30 days from XXXX before a complaint was filed to cure the default and I have other concerns. I need to know if my property taxes have been re adjusted despite the loans status since I sent in information to do that from assessor office on XX/XX/XXXX. Also I want an explanation of the XX/XX/XXXX letter about XX/XX/2016 taxes fluctuation. I have requested that of XXXX XXXX subsequent to getting the letter of XX/XX/XXXX but have heard nothing. Also the homeowner specialist I spoke to a few weeks ago was very nasty. please re assign. I am working to get funding from hardest hit program since I appear to qualify. Please know I requested validation of debt BEFORE complaint was filed for foreclosure I got it AFTER the complaint was filed. So I have many concerns over this and will fight it all the way. Again to CFPB I need all letters I have written to WF sent to me requesting help to show the judge. 
I feel I will get scripts here. but know I have half the money to pay you. you want to sit in foreclosure status. with lawyers who appear sloppy due to high volume. please also ask them as I have to pdf me another copy of foreclosure complaint. I need to know the info I sent in on property taxes has been sent in. and included. also the person in SC I was told to contact in XX/XX/XXXX letter HAS NEVER RESPONDED.
Consumer complaint received 2015-05-02
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Concord Resolution Inc (Closed) (NJ)

Around XX/XX/XXXX-XX/XX/XXXX i made a big mistake & borrowed from a couple of pay day loans. They were paid back and over a period of time requested me to re borrow. Unfortunately, shortly afterwards, I started receiving calls from different people with heavy XXXX accents requesting money. At first, i thought they were from the same company i had paid off since it was done on line. Unfortunately, I did not realize until someone called saying i still owed on my pay day loan. As soon as I pay another person would call threatening me for payment. Once asked for what loan, they would just for a pay day loan and I was going to be arrested. There has been times, money was taking from my account without authorization. Once I realized what was going on, I went into my bank. The bank inform me to be careful because they have seen this happen to other customers in the past. It was suggested to make a hold on my account. Prior to me realizing what was going on, I even purchased prepaid cards to avoid problems and overdrafts to my account. I realized my information was given out to other company 's through the web because before I knew it, there were several lenders claiming i owe them. At this time, I started hearing about more and more people getting scammed. Therefore, I went to the police department and filed a complaint. I gave the names and numbers of different representatives. I was embarrased and was told I should have never borrow that way and especially sharing my information on the web. Unfortunately, I had gone through a separation and was in a financial dilema. However, I was advised to close my accounts and be careful with the internet. I admit during that time, I was not that familiar with how the internet worked. I called credit bureau 's and put security freeze/fraud alert on my accounts as advised. To date, it still remains. I feel it is time to take action because about 3 weeks ago I just received a call from Concord Resolution who now say {$480.00} is owed and they represent the company that got me the loan in XX/XX/XXXX or XX/XX/XXXX. They claim since my account was closed they could not collect. Again, this is strange because why i have to pay a company who got me a loan for what I borrowed when fees are already included. Lord in behold, XX/XX/XXXX, a call from a XXXX XXXX who represent a company say {$500.00} is due. I truly want to stop this because i spent a few thousands in the past. I plan to retire and can not redo this XXXX again. It effected emotionally and financially as well. Continental representative could not give me the name or the address of the company. I will look back and give names & phone numbers I guess when needed. I have so many names & numbers until it is confusing and very stressful to me. I would never borrowed in this manner and not pay what i owe. Please help me.
Consumer complaint received 2017-04-17
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have Bank of America as my bank I had deposited a check for {$1800.00} on XX/XX/XXXX they held the total amount until XX/XX/XXXX til XXXX to make sure the check was good the funds were released so I transferred {$1000.00} from savings to checking & paid some bills.My social security was deposited XX/XX/XXXX I paid my bills and withdrew XXXX on Sunday XXXX that was my first transaction.After I paid my bills from SS the check cleared Monday XX/XX/XXXX after transferring XXXX and paid some bills I check my account several times a day to track my balance I saw were my accounts went negative I immediately called the bank they said the check was fraudulent that they recovered {$870.00} now my account is severely overdrawn on savings & checking.They held the check for 5days to make sure it was good now they switched all the account transactions around saying it was released the same day as I deposited it that is not true.It was held 5 days so they can protect me from fraud and they did n't at all so instead of going after the company that frauded us they blame me and switched the account around.I have fraud protection now they do n't want to honor it the bank is committed fraud themselves now instead of BOA protecting me I have to pay all the fraud charges that are accruing every day! They failed to protect my account and me from fraud
Consumer complaint received 2018-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

Yes Nissan acceptance. I'm going thru hardship right now lost my mom few weeks ago. Was her caregiver for 5years. We hoping I can get a deferred payment like 1or 2months into back of loan. Would help me out right now  struggling with mom 's bills plus my own bills too. I'm on XXXX myself going thru rough time. Don't want car repoed. Wana work with Nissan. Hope they can help. It's a new car. First payment due XX/XX/XXXX.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Louisiana Bureau of Credit Control Inc. (LA)

Reference Policy Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX Door Sedan # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates were XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges. <P/><P/>Previous employees resided in XXXX XXXX Homeowners Association identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency. <P/>I have been threaten since XX/XX/XXXXwith violence, disclosure of private information and destruction of personal property. <P/>Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). <P/>Malfeasance in office by XXXX 's Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX Parish Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone : XXXX Fax : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX