davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lela Mae Portfolio Management Group (CA)

XXXX XXXX, sold the debt to another company without notifying them that they had filed a claim with the trustee of my bankruptcy. I have filed a previous complaint with CFPB regarding XXXX in a similar matter. I continue to get collection companies contacting me regarding this debt which was included in my bankruptcy. I keep giving the information regarding this debt, but I continue to get emails with threats and calls to family members, work and on my cell regarding this debt. The current collection company Lela Mae Portfolio Management Group XXXX XXXX XXXX XXXX, Ny. XXXX, has continued with the harassment after being told of the bankruptcy and that they should contact my attorney. They were given my attorneys information, but continue to pursue a claim for a debt that has been met with the original credit grantor.
Consumer complaint received 2019-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MT)

A company, Mr. Cooper, bought my loan from my original bank, XXXX XXXX XXXX. As soon as my loan was transferred I began receiving a relentless stream of marketing emails and phone calls. I have asked Mr. Cooper to stop calling me with marketing calls, they have not complied with my request and subsequently I have had to block their phone number. This is problematic, since, if there is a legitimate issue it will be difficult for them to get ahold of me. Furthermore, I receive daily emails, also attempting to sell me something, usually a refinance. I have an online account to monitor my mortgage, unfortunately there is no way to opt out of marketing emails. I am very frustrated by Mr. Cooper 's unrelenting efforts to sell me additional products, I make my payments on time, I've never missed a payment. I need them to stop harassing me. As it currently stands if they have a legitimate issue with my loan, I won't know about it because their phone calls and emails will get lost in the flood of marketing.
Consumer complaint received 2020-07-09
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/Equifax/ XXXX XXXX Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$620.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$75.00} XXXX XXXX XXXX  XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-08-20
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. (CA)

I have been getting alot of unauthorized inquiries on my reports so I placed a fraud alert and froze my reports but I kept Equifax open because I wanted to open a XXXX XXXX account, since then I have gotten inquiries from XXXX, 2 inquiries from XXXX and when I disputed it with equifax they did nothing and when I called XXXX XXXX they did nothing either!
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC (CA)

In XXXX of 2021, GoodLeap/LoanPal mistakenly backdated a solar panel loan. This was resolved through XXXX  complaint XXXX. 

GoodLeap has now filed a delinquent report over the same period where they were erroneously demanding payment that was not owed. 

An attempt was made to contact GoodLeap to correct their erroneous report. Their representatives refused to take any action, and merely suggested that a dispute should be filed with XXXX XXXX XXXX', which is neither a solution nor possible for a consumer.
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For Transunion/XXXX/ XXXX  XXXX Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX  XXXX XX/XX/XXXXXXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2020-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (AZ)

I asked them to delete me from their records. This is the email answer I received. Why can't they delete me in my entirety from their information. I haven't had anything to do with loans for over 3 years. I don't remember ever having anything with Speedy Cash. I have been a victim of ID theft and do not want my information out there. 
RE : Inbox x Speedy Cash Tue, XX/XX/XXXX, XXXX XXXX ( 11 days ago ) to me Dear XXXX XXXX XXXX, Thank you for contacting us. Unfortunately, we are unable to honor your request to delete your account information as we are legally required to keep your information on file. Note that you will only receive future communications from Speedy Cash that are legally mandated. 

Thank you for choosing Speedy Cash. 

Sincerely, Customer Service Phone : XXXX Fax : XXXX Email : XXXX From : Sent : XX/XX/2020 XXXXXXXX XXXX  XXXX To : XXXX Subject : Delete me from your system. Unscribe. 
XXXX XXXX XXXX This email was sent to XXXX This email was sent by Speedy Cash XXXX XXXX XXXX XXXX, KS XXXX XXXX Speedy Cash. All Rights Reserved. This email was delivered by Speedy Cash as a confirmation of your account activity. 

We respect your right to privacy - view our privacy policy Update Preferences | View in Browser This email message contains information from Speedy Cash and is confidential. The included information is intended only for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution, or use of the contents of this message is prohibited. If you received this email in error, please notify us immediately by telephone at XXXX or email at XXXX.
Consumer complaint received 2022-09-14
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)

I HAVE REACHED OUT TO THIS COMPANY MULTIPLE TIMES, THIS ACCOUNT IS INACCURATE AND COULD NOT BE VERIFIED, THEY STILL HAVE NOT REMOVED XXXX XXXX  XXXX AFTER MULTIPLE CALLS AND THEM SAYING IT COULDNT BE VERIFIED & THE ORIGINAL CREDITOR REMOVED THE INACCURATE INFORMATION WITH THE OTHER COMPANIES I AM NOT SURE WHY THIS COMPANY STILL HAS INACCURATE INFORMATION SHOWING UP ON MY REPORT
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

To whom this may concern, I recently sold merchandise through XXXX on XX/XX/XXXX to a customer for the amount of {$150.00}. She paid via PayPal using her checking account. The funds were held by either bank or PayPal until they would clear. We waited a week and the funds would not clear as stated in the PayPal invoice which was XX/XX/XXXX, the date kept moving up the date and we decided to do a separate transaction that went through fine. Well, PayPal did not release the funds to this lady and keeps moving the date since she had a case opened. They told her she had lost her money. I told her that if they deposit the money in my account or release the funds, I would be honest and refund her but I could not at the moment because I did not have the funds yet. They refunded the money yesterday XX/XX/XXXX and refunded her the money back. Well paypal took the money from my paypal account today and debited the same amount also from my checking account.I paid this amount twice and I am out the merchandise too. I can not get a hold of PayPal and I am tired of these business practices. I need this money they took from me and so does my customer. They need to make it right and stop giving us the run around for a month. We use PayPal for our business and it makes our business look bad. Can anyone please help us?
Consumer complaint received 2023-01-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: College Ave Student Loan Servicing, LLC (AR)

CollegeAve loan company is the company I have a private student loan with right now and I have filed a complaint against them very recently over their collection practices of harassing me AND my parents to collect on the loan I can't afford to pay any longer. I was told to call XXXX to arrange payment/settle. So I did. The gentleman I spoke with refused to even settle for half and instead sent me to a benefits specialist to see what kinds of " options '' I had until I could make payments. He refused to understand that I could no longer afford payments. So whoever responded that I could call the above number to offer settlement absolutely LIED to me. They don't care that I can't afford payment and won't be able to afford payment in the future. They want ALL their money. In case they haven't noticed, inflation is sky high. Food prices, gas prices are through the roof and my house payment has gone up due to prices of everything else going up. My homeowner 's insurance has gone up, which made the house payment go up. The property taxes went up as a result of the increased home values. That ALSO made my house payment go up. My car insurance has gone up as well due to no fault of my own as I have had no accidents. So CollegeAve needs to accept anything I can offer to settle to get rid of them for good. I have attached a screen shot of CollegeAve 's response to the first time I filed a complaint against them.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I own a XXXX XXXX XXXX with a community capital With only {$250.00} charge community capital has fraudulently charge me fees in a very ingenious way this is one another gotcha company that is making life miserable for people and adding do already dense environment around us according to care xact every creator was overlooking the credit payment late fee but this company is holding me whole stage for my credit report to pay for various kind of fece 1st I bought something on a 6 month nor interest never got a letter from them finally found out they had a wrong address after 6 months the balloon charged me int'rest the take advantage of 3 hour difference between Eastern standard time and Pacific standard 9   if it is XX/XX/XXXX XXXX XXXX in California it is  XXXX XXXX in Eastern San the time and I'm late on my payment that's how they charge late fee and I have tons of them then when I give them my checking account information to make a payment only them and only this bank comes out as your account is non transactional while the same account is being used by other companies to get their payment why do they do this so that I called the customer service representative and make a payment using a debit card through him and they charge me {$9.00} as a customer representative beam in fee please help me otherwise I am stuck in this predatory loan company and menu contact the customer service they're very rudely say they're sorry pandemic or no pandemic we are not going to live
Consumer complaint received 2018-10-01
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: Experian Information Solutions Inc. (OH)

XXXX XXXX is showing a closed credit card account on my credit report. This was an account I was an authorized user on, had no liability and was removed as an authorized user over 2 years ago. XXXX XXXX says they are not reporting it on my credit report however that is incorrect. It shows account XXXX, date opened XX/XX/XXXX, updated XX/XX/XXXX, credit limit {$1400.00}, monthly payment {$39.00}, terms revolving, responsibility terminated. I want this tradeline removed as it is affecting my credit score.
Consumer complaint received 2023-01-19
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. (FL)

I'm XXXX and I have never had a XXXX card. I have repeatedly disputed this account and XXXX keeps " verifying '' it. Additionally, XXXX is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (TX)

I've went online many times for over a year on XXXX, XXXX and Experian disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit report.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (MA)

the credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. the grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A. states i have the right to privacy.

15 U.S.C 1681 SECTION 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here and they are still not removing all the hard inquires late payments that wasnt late and and closed accounts that haven't been removed yet
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (IA)

Creditor Information PARAMOUNT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above company called me in late XXXX or early XXXX of XXXX. The representative stated that I was in collections for a medical debt in the amount of {$1100.00} and it had gone to them for collection. I asked for more detail about the debt such as date of service, the medical facility and for what services. She told me that she couldn't disclose any of that to me because of HIPPA laws. I told her that if this was indeed my own medical record then I had a right to know what I allegedly owed. She refused to give me the information other than the amount. I then asked to have documents mailed to my address or emailed to me. She told me that she didn't have to send me anything and that I needed to pay this debt immediately over the phone or she would send the police to my house to arrest me. I was terrified, as I am only XXXX years old. I do have medical issues and have had medical bills, but I've always paid them. In a panic and our of fear I gave this woman my bank card number. After I got off the phone with her I told my parents what had happened. They told me to call my bank and cancel my card immediately, which I did. My parent contacted Paramount Recovery and left  them a message telling them in detail that they had no right to threaten me. Shortly thereafter, I got a credit alert and saw that Paramount Recovery had reported this as an unpaid collections on my XXXX  credit report. I am in the process of disputing this. My parent emailed Paramount Recovery once we saw what the medical bill was for on my credit report and sent them a copy of a cashier 's check showing payment was made in full on XX/XX/XXXX in the original amount owed of {$1100.00}. They continue to call me in an attempt to collect and they have not removed the derogatory report on my credit which has severely damaged my good credit standing.
Consumer complaint received 2023-08-07
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: Marlette Funding, LLC (GA)

In accordance with the fair credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (PA)

PNC Bank is preventing a direct connection to XXXX ( prepaid Visa ) to be able to reload funds from my checking account onto the card for Visa purchases. I do not have a debit card from PNC, therefore the only method is connecting to my bank to use the XXXX  card and now I have to wait 4 days for money to be transferred manually.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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.