davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Lviv Funding LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act XXXX FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-01-31
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. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-09-11
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. (MI)

This is an update on Inquires I found on my Experian and XXXX Credit Report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (CA)

I am being charged {$720.00} for an old XXXX water delivery service. There should be no balance and they picked up the faulty equipment I had years ago. XXXX is a 7 year old account and this collection bureau of American is not offering to remove the collection from my credit report.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research and educated myself on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts in collections now and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts owed in hopes of starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet resulting in my credit being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-02-28
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: Experian Information Solutions Inc. (TX)

I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such XXXX XXXX provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MO)

I applied and was approved for a Discover card. Once I received my card and activated it, I was contacted by a department in Discover called account verification. They requesting additional information regarding my account and my account was put on hold. A few days later, I received an email stating they were closing my account because they couldnt verify my information. 
I never used the discover card and now I have a balance and they are reporting me as 30 days late on my credit report. 
To my knowledge my account was on hold then closed, at no time in between was there a chance for me to use the card. 
I called several times to try and resolve this with Discover as they said I was responsible for the charges although I didnt make them. I explained that they were the ones who put the hold and closed my account before I even got a chance to use the card. 
I never used my Discover card to make purchases. Discover is unfairly and inaccurately reporting to the credit bureaus.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

My Chase College checking account was blocked and closed by the bank on XX/XX/2018. I was sent a final statement for my bank account and it said that there was a XXXX debit for a check charge, however, I never received the remittance check for this account. 

I contacted the bank regarding my funds and I was told by a customer representative that the funds would not be sent back to me.
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XX/XX/XXXX2016 Reported Since : XX/XX/XXXX2016 Date of Status : XX/XX/XXXX2016 Last Reported : XX/XX/XXXX2016 Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (FL)

Harassment attempts by PayPal to collect debt, they have erased my accounts from their systems and are dodging any attempts by me to contact them to attempt to fix the issue causing discomfort to my parents house which they have been blowing up via cellular communications. Their website and customer service system is designed in such a way that you are unable to get through to speak with a representative or even access the system if you are locked out.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

I have reeived 4 phone calls a day from this debt collector with the below # 's 2 this morning and the additional I have kept phone records of all incoming calls. They are all from the same company. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Called me and mispronounced my name after I advised her that it was mispronounced she then disclosed that I had a past due balance that needed to be paid disclosed the full amount advised on the payment required before she even verified she had the correct party no verification via XXXX XXXX or DOB. JUST NAME AND FULL Disclosure of debt owed and payment ammount needed.
Consumer complaint received 2020-04-30
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (FL)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with SALLIE MAE, Account XXXX with SALLIE MAE. I am not responsible for any payments for this account. I do not have a loan or contract with SALLIE MAE or owe a debt to SALLIE MAE is attempting to collect a debt on the basis of fraud. This item was not being reported legally and lawfully. Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately. I will further pursue all of my legal remedy without further notice to SALLIE MAE. I will further pursue all of my legal remedy without further notice to SALLIE MAE. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX, XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

I applied for the XXXX rewards credit card through an email I received, it said I will earn XXXX points after spending {$3000.00}. I did this and was only awarded XXXX points. I called customer care and they said many times I will receive on my next statement. Four statements have since passed and I haven't received my points after countless managers told me I would receive it soon. This is unfair and I would like the missing XXXX points to be awarded please.
Consumer complaint received 2020-10-13
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. (MS)

I have a collection on my credit report for a medical bill. I have not been to any doctors for at least 12 years and had insurance. This is either not mine or way to old to get documents to validate. I despised this info with an investigation with trans union. I received notification that it was complete and found to be correct. However, it cant be correct. I have not been to any doctors in over 12 years and had I durance to pay for anything that I had done. 
The file reference number XXXX
Consumer complaint received 2020-04-30
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC. (OR)

Per the representative XXXX XXXX at Navient, the phone number XXXX belong to Navient 's department that services XXXX Loans. XXXX also confirmed that they have an Oregon address on file for me. It is known that Oregon is in the Pacific time zone. They knowingly called me at XXXX XXXX  on XX/XX/2020, which is unreasonable and violation of the FDCPA.
Consumer complaint received 2020-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (SC)

I have a FEMA approved flood policy in place. Roundpoint Mortgage knows that as a consumer I can not purchase retroactive flood insurance. I have tried. The waiting period for and flood policy is 30 days. So roundpoint has now notified me that they are purchasing Private flood insurance for {$680.00} for the beginning of the months for which I did not have coverage which will further increase my mortgage payment higher than the {$310.00} they have already increased after they purchased an entire year policy for which they attached the month of XXXX after notifying allegedly in XX/XX/2019 that I was in a flood zone. Buyer beware and check your statements every month and make sure you know if you are in a flood zone each year to prevent this from happening to you. So in a matter of months you won't be dealing with almost {$3000.00} of an escrow shortage and being taken advantage of by mortgage companies that can buy private flood insurance for whatever dates they want.
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

called to seek forbearance in XX/XX/XXXX and XX/XX/XXXX. got approved for XX/XX/XXXX. XX/XX/XXXX they say i max out. told them i was unable to make payment with low income. called to tell them im in XXXX school and was told i can get deferment. call back in XX/XX/XXXX and was told different and that i cant get deferment and that there no options that they can help with.
Consumer complaint received 2023-07-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I closed my escrow account XX/XX/XXXX Select Portfolio Servicing. The servicer claimed to send a check at that time. I called XX/XX/XXXX and was told that it was issued XX/XX/XXXX ( never received ) I requested a new check be issued and was told it would be 3-5 business days. Its now XX/XX/XXXX and I called, they have yet to even issue my check returning those funds as its tied up in a work ticket inside their own system. When I call to find the check, I get told that its a process and a small team. I requested the check be overnighted and tracked - and they say they can not do that. Its ridiculous that I cant get the money back in any other form than a check mailed through USPS, untracked and not monitored. The entire Escrow process is a debacle with this company. They take MONTHS to remove it and MONTHS to return MY money.
Consumer complaint received 2020-04-30
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. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-04-30
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. (MS)

I owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. 
They referred me to XXXX XXXX XXXX. 
XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. 
I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. 
I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. 
XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. 
When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. 
I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. 
I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.