davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (FL)

I have tried numerous times contacting XXXX  via phone and online to dispute accurate info and haven't reached a live agent. XXXX  online disputes directs me to call XXXX  's number. I'm unable to view or submit any info online to Equifax regarding disputes. The reps at Equifax are automatically closing disputes in less than 24 hrs without properly investigating. I have received automated emails from Equifax closing dispute a few hours after holding on the phone more than 30 mins each time to report to a live rep. 

I do not owe debt of {$360.00} to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I have contacted the property management company XXXX XXXX whom reported the incorrect debt for XXXX XXXX XXXX with no reply in the last 2 years for any issues. I received a call from XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX2020 XXXX XXXX  regarding the incorrect debt. I explained why the debt is not owed and other unresolved issues in which XXXX XXXX owes me payment. XXXX stated she would call me the following week with an update. I didn't receive an update and haven't reached her. I have spoken to XXXX XXXX XXXX and mailed off documentation XX/XX/XXXX2020 to XXXX XXXX XXXX showing proof of my payments to XXXX XXXX XXXX and my attempts to reach XXXX  regarding reimbursement they owe me and I never owed a debt to the complex. 


XXXX  and Equifax have failed to validate any proof before adding this erroneous debt {$360.00} to my credit report affecting my score. I have been unable to reach XXXX  by phone or online to dispute this inaccurate info. Equifax didn't properly verify the false typed debt from XXXX with no substantiating proof b/c the debt attempt is retaliation from XXXX  property management. I have mailed proof that I paid and didn't owe to XXXX XXXX XXXX and have called XXXX XXXX XXXX as well. I received a call from XXXX XXXX with XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  after numerous unreturned calls and emails from XXXX XXXX corporate office. XXXX stated she would look into it and contact me the following week. I have not received any updates from XXXX XXXX. I made XXXX aware of the inaccurate debt of {$360.00}, the reason the debt was reported in retaliation, and the initial issue in which XXXX XXXX never resolved since XXXX.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I disputed information with XXXX for inaccurate information reporting on my credit file and haven't gotten any updates. It's over 30 days and still no response from the company regarding the disputed accounts.
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

Paypal is holding my money for over two years now, the 180 days are over now but its not allowing me to withdraw despite numerous calls to paypals support.

After paypal blocking my account i received a message that i will get my funds after 180days, upto now its over 2 years still being held. 

my paypal mail XXXX XXXX
Consumer complaint received 2020-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Debt Holdings, LLC (GA)

In XX/XX/XXXX I was making payments to United Debt Holdings for a debt with XXXX XXXX. I was making payment of XXXX and I paid them off for that bad debt. However, they kept charging my debt card monthly even after I had completed all required payment. I tried to call the number I was given for them and could never get in touch with anyone. I had to cancel my debit card to stop them. I tried for months to get the payment that was not supposed to be taken back to me, but could never talk to anyone. I just let it go, thinking there was nothing I could too, I was younger and did not know better. In the last year I have been cleaning up my credit report, and paying items slowly as they come. A few months ago, I got a call from my supervisor that someone was calling for me at work, talking to several people saying if I did not call them back I was going to jail and someone was going to be at my job in two hours, saying I missed a court date. My boss gave me the number and I called. They claim to be XXXX XXXX XXXX, they said I owed over XXXX to an old debt. At first they could not give me the exact name of the company I owed. That should had given me red flags, but at the time I was so upset. They eventually said it was with XXXX XXXX. Then I said I had paid them off years ago, and he said could I send him proof. I went home and tore up everything looking for something to show I paid them off. But I had nothing. I don't even have the same bank anymore. So when I called back I was forced to accept that I had to set up payments even though I knew I had paid it, but had nothing to send this company. Otherwise they would had sued me. They only wanted a debit card, could not using a checking account unlike the other companies I was dealing with, because as I said I was cleaning up my credit report and making payment to companies on my own. Well last week I was going through paper work, and found a book I wrote down my monthly payments. And there it was XXXX XXXX, {$98.00} a month, last payment was in XX/XX/XXXX, and I had a phone number by it. I knew I had paid it. So I canceled my debt card so that this company could not get another dime from me. I had already made XXXX payments of XXXX to them, a total of XXXX that I did not even owe. I looked online, and saw complaints after complaints, the same stories of what happened to me. You can not even find the company online ; the phone number is not online. I paid off XXXX XXXX  with United Debt Holdings, and they took more than they should and did not report to the credit bureau. 

Oringally paid off XX/XX/XXXX with United Debt Holdings Contacted by XXXX XXXX XXXX on XX/XX/XXXX Made two Payment of {$100.00} XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX about debt already paid
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (FL)

FIRST PROGRESS CARD - SECURED CARD CARD OPENED : XX/XX/XXXX - XXXX BALANCE - CHARGES NEVER MADE FIRST PROGRESS NEVER CONTACTED ME REGARDING PAYMENT AND PROCEEDED TO INCUR CHARGES ON THIS ACCOUNT AND DID NOT GIVE ME A CHANCE TO PAY ON TIME. I HAD 2 CARDS WITH THEM TO TRY TO IMPROVE MY CREDIT. INSTEAD THEY ISSUED TWO 30 DAY LATE PAYEMENTS ON MY ACCOUNT IN XX/XX/XXXX. THIS CREDITOR IS KNOWN FOR PREDATORY PRACTICES AND TOOK ADVANTAGE OF THE CONSUMER.
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

In XXXX, I disputed a credit card debt for XXXX XXXX XXXX. The credit card account was removed from all 3 major Credit Bureaus. However, a collection account from LVNV Funding LLC surfaced on my 3 credit reports in XXXX. I successfully won another case in XXXX with LVNV for a different account with the same creditor and that collection account was removed. I attached a copy of the ruling. I have disputed this account multiple times with XXXX, XXXX, XXXX, as well as, LVNV and all they provide is a statement, but no proof of the account belonging to me. I am requesting you investigate and have this collection account removed from my Credit reports please. 

Account Number : XXXX Collection opened : XX/XX/XXXX Collector : LVNV FUNDING LLC Original Creditor : XXXX  XXXX XXXX  XXXX. 
{$950.00}
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

IVE APPLIED FOR AN AMEX CREDIT CARD ONLY BECAUSE I WAS GETTING PREAPPROVALS IN THE MAIL. ( 17 CFR 240.14A-12 ) ONCE APPLIED I WAS DENIED. RULE 425 UNDER THE SECURITIES ACT ( 17 CFR 230.425 ) IVE SENT THE CFO A LETTER STATING THAT I WAS HAPPY TO BECOME AN INVESTOR AND COULDNT WAIT TO WORK WITH THEM IN THE FUTURE. eligible investments means negotiable instruments, investment property, or deposit accounts which evidence : ( a ) by, the united states of America ; direct obligations of, or obligations fully guaranteed as to timely payment ( b ) demand deposits, time deposits or certificates of deposit ( having original maturities of no more than 365 days ) of depository institutions or trust companies incorporated under the laws of the United States of America. I WAS EXPECTING AN OPEN ENDING CREDIT CARD IN FAIR EXCHANGE OF THE SECURITY GIVEN AS LONG AS I HOLD INTEREST AS WELL. DUE TO THE SECURITY EXCHANGE ACT 1934 THERE WAS NO CONSIDERATION GIVEN. If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. THEY ARE REFUSING TO BARTER WITH ME
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

As of XX/XX/2022 I am under foreclosure by the mortgage service provider FLAGSTAR BANK with XXXX XXXX XXXX XXXX XXXX XXXX, acting as their collection agency/attorneys. The actual lender is XXXX XXXX. 

I had a reinstatement fee of {$43000.00}. Of that amount, I am approved for an ILHAF ( Illinois XXXX Assistance XXXX ) XXXX of {$30000.00} by XXXX XXXX Illinois XXXX XXXX XXXX ) pending a $ XXXX or less reinstatement fee being provided to them by FLAGSTAR. I attempted to directly pay the difference of the grant and the reinstatement fee to FLAGSTAR. The reason I did that is because XXXX will not make a partial payment of what I owe to FLAGSTAR. Therefore, I did over XXXX extremely grueling hours of overtime over XXXX pay periods to attain the amount to get the reinstatement to {$30000.00}.
Consumer complaint received 2021-10-11
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. (TN)

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in TransUnion, XXXX shows XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital recently responded to a complaint that I initiated refusing to delete the accounts that I disputed on my credit reports. 

However, LVNV/Resurgent is violating the FCRA by listing themselves as a " Factoring Company '' for these accounts. Factoring companies collect account receivables that are not in default at time of purchase, not alleged charged off accounts, as it is prohibited by law for them to do so. LVNV/Resurgent clearly stated in their response letter that was sent to me that they purchased the debts after they were charged off, making them a junk debt buyer, not a factoring company. Due to this fact, LVNV/Resurgent is in violation of the following : 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the accounts as " factoring company '' account.

15 USC 1692e ( 2 ) ( A ) as falsely reporting the legal stat
us of the accounts as not in default.

15 USC 1692e by communicating credit information which is known or which should be known as false, by reporting the accounts as factoring company accounts.

15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the accounts as " factoring company '' accounts.

15 USC 1692e ( 12 ) by alleging that the accounts were " factoring company '' accounts resulting in the false representation or implication that the accounts have been turned over to innocent purchasers for value.

15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debts by reporting the accounts as " factor company '' accounts to deceive current and potential creditors and to negatively impact my credit score. 

If LVNV/Resurgent wishes to resolve this matter without court action, they will delete these accounts from my credit reports within 7 days. If not, I will initiate a law suit.
Consumer complaint received 2022-07-20
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. (OH)

I checked my credit card that Ive had since I was XXXX and it gives me free credit updates. It shows there were XXXX credit checks that I did not authorize. 

XX/XX/XXXX from XXXX for XXXX XXXX XXXX  XX/XX/XXXX from Experian for The XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 30 days if my demands are not met. This is not a negotiation.
Consumer complaint received 2021-05-01
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: EQUIFAX, INC. (TX)

To whom it may concern, I recently received a copy of my credit report from your company reporting a number of items on the report that I do not recognize, is unknown, or I believe are inaccurate. I am assuming that your company has verified the accuracy of these disputed items before you reported each one. 

I need copies of documents that you have on record that you used to verify the accuracy of these disputed accounts as I have the right to demand that you release and make public all documents recorded. I believe your source of documents used by the furnisher are unreliable and that the disputed accounts are in error. 


XXXX XXXX XXXX  XXXXno knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 

XXXX XXXX  XXXXno knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX and XX/XX/XXXX I notified XXXX and Equifax and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted XXXX XXXX and they totally ignored request to validate. 

Double Reporting : XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX Type BankruptcyXXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX Type BankruptcyXXXX  Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N XXXX Equifax XXXX Court Name XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX XXXX Type BankruptcyXXXX BankruptcyXXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator N N XXXX Equifax XXXX XXXX Name US BANKRUPTCY COURT Docket Identifier XXXX Type BankruptcyXXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator N
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GLA Collection Company, Inc. (KY)

GLA is constantly breaking the law in attempt to collect debt. They are illegally obtained my medical notes, and XXXX XXXX illegally released medical notes without my consent. I sent numerous certified letters asking for GLA to contact me in which no one has. 

No agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY was sent to me. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX/XXXX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX/XXXX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX, XXXX. 


Nothing that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization was sent to me.

I requested that GLA cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. In which they never replied and I know they received my disputes as it was sent certified mail. 



In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kentucky medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.