davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (TX)

I have received four phone calls from Sunrise Credit Services, each on Friday during my working hours. 

Each week they have called I have made it explicitly clear that it is inappropriate to contact me during hours I am at work. Each time the person I am speaking with has stated there are no notes in my file regarding my assertion of inappropriate call times, despite the previous caller assuring me they were noting these restrictions.
Consumer complaint received 2021-09-21
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. (FL)

on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX  I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 
XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST XXXX XXXX AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC XXXX
Consumer complaint received 2024-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken (NC)

I created an account with XXXX about a month ago and initially deposited {$8000.00} as an investment, purchasing XXXX along with a few other cryptocurrencies. Approximately two weeks later, I attempted to withdraw a portion of my funds, but XXXX informed me that my withdrawal had been suspended. 

Since then, the price of XXXX has increased, and I am in urgent need of access to my funds. I have reached out to customer support multiple times, but it seems they do not have a clear way to assist me, as their responses have been repetitive and unhelpful. 

Despite having two-factor authentication enabled and having recently changed my password, I submitted a recovery photo as requested. Although I provided a clearer photo after their initial feedback, I have yet to receive a response after almost two weeks. 

I am becoming increasingly concerned about the situation and wondering what is happening with my money. I would appreciate any guidance or assistance, as my experience with XXXX 's support has been quite frustrating. 

For reference, my ticket number is # XXXX, and the email associated with my XXXX account is XXXX but you could easily access me with my registered email on this website which is XXXX Thank you for any help you can provide.
Consumer complaint received 2022-06-11
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.
Consumer complaint received 2021-09-21
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. (TX)

I have disputed credit inquires and provided supporting documentation that should be more than enough to investigate and ultimately remove the above mentioned credit inquires that were not authorized. I have received and unsatisfactory response from Equifax on XX/XX/2021. I have been severely impacted and my ability to procure credit has been affected due to this errorneous information that is being reported on my Equifax credit report. I have researched this issue thoroughly and am confident that i have submitted all necessary and required documentation to adequately deal with this situation. It is beyond frustrating that they are ignoring the fair credit reporting act. and refusing to assist me in this matter.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX XXXX XXXX XXXX responded to XXXX : " XXXX XXXX XXXX XXXX is in receipt of the consumer 's complaint. Due to the nature of the debt, the correspondence will be placed in the mail to the consumer once received from our client. Please be advised the details will arrive in a white plain envelope that may appear as junk mail. '' The attached was received XX/XX/XXXX in part stating : " {$2900.00} + {$3300.00} + {$210.00} patient payments. '' To perpetuate its fraud XXXX XXXX XXXX refused to include in its attached XX/XX/XXXX communication respectfully requested ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors used to date. 

XXXX XXXX XXXX was XX/XX/XXXX authorized to release all medical provider treatment and related information ( all insurance billings, all medical records of all alleged service ( s ), all insurance denials ) and like XXXX XXXX XXXX XXXX refuses to honor this requested release,
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2024-11-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Union Home Mortgage Corp (IN)

In XXXX I received a billing from Union Home Mortgage indicating that my next payment was due in XXXX. I contacted my representative and he told me it look like my account is a month ahead. 

At the end of XXXX I received a letter from Union Home Mortgage that there was an accounting error and they had double counted XXXX and XXXX payments. 

By the middle of XXXX multiple people had contacted me about an XXXX payment and multiple emails had been exchanged. I had agreed to make up the billing error by paying XXXX a payment plus normal payment in XXXX, XXXX, and XXXX. The promise in writing from the company was there is no effect on my credit score, and no late fees.

Last month I tried to obtain credit. I was informed there is a late payment on my mortgage and it will affect my loan. I disputed with XXXX. XXXX did not resolve the dispute, but I got payment records reported to XXXX from XXXX XXXX. 

XX/XX/2024 balance {$74000.00} due {$690.00} paid {$690.00} on XX/XX/2024 XX/XX/2024 balance {$74000.00} due {$690.00} paid {$1600.00} on XX/XX/2024 XX/XX/2024 balance {$74000.00} due {$690.00} paid {$0.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$0.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$1600.00} on XX/XX/2024 XXXX 2024 balance {$75000.00} due {$690.00} paid {$0.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$1300.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$1300.00} on XX/XX/2024 My bank records show : XX/XX/XXXX {$690.00} XX/XX/XXXX {$690.00} XX/XX/XXXX {$690.00} XXXX {$0.00} XX/XX/XXXX {$690.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$690.00} XX/XX/XXXX {$690.00} As I am XXXX  and XXXX I don't have access to much credit, but terrible accounting like this on my credit report hinders my ability to use what little I have.
Consumer complaint received 2023-06-23
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)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have had a Capital One Spark card for my company for six years and recently received notice that I was being charged a late fee, which was certainly news to me since it was on autopay and has been for a very long time. After talking to multiple reps, what they claim happened is my autopay was set to a fixed amount ( {$50.00} - covered the minimum and then some ) and, without any charges being posted in a 30-day window ( card wasn't used ), the minimum payment due became {$53.00} and because autopay didn't pick that up, and because no one notified me, I was immediately charged a {$39.00} late fee and my rate jumped to 31.5 %. Further, after they did the rate change, they go back and recalculate interest on the prior month, which made my amount due jump even higher.

This card is not used often ( just a backup for groups who don't take our corporate XXXX ) and with six years of perfect history, and having never missed a payment on any card ever, this is apparently how Capital One operates - which they confirmed, on a recorded line. I'm already issuing a payment to pay off the full balance so this account can be closed, but a rate of 31.5 %, for someone with an extended history of perfect payment history for both this card as well as all others, should be illegal.
Consumer complaint received 2020-11-26
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. (VA)

On XXXX/XXXX/2020 I have submitted dispute documents for those unknown and inaccurate accounts on my credit report. I was a victim of the XXXX  data breach. I demand to immediately delete those accounts on my credit report or I will file for litigation.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

1. Accounts in Dispute : Account 1 : XXXX XXXX XXXX / XXXX XXXX XXXX account # XXXX  Account 2 : XXXX XXXX XXXX XXXX account # XXXX  I have reviewed my credit report and identified several errors related to the above accounts. Specifically : Account 1 : [ balance reporting is inaccurate past due date also. ] Account 2 : [ balance reporting is inaccurate past due date also each credit reporting agency has these accounts reporting different an incomplete information ] 3. Legal References : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681i ( 5 ) ( B ) : This section mandates that if an item of information is disputed, the credit reporting agency must provide the consumer with written notice of the dispute and must also ensure the information is not reported without proper investigation.

15 USC 1681c-2 : This provision stipulates that any information that is not substantiated or verified should be removed from the credit report. It also outlines the requirements for reporting accurate and complete information.

BELOW IS FTC REPORT IF YOU DONT WANT TO BE HELD ACCOUNTABLE FOR EACH VIOLATION THATS XXXX per violation delete accounts
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

My phone was taken and a person transferred {$7400.00} to their cashapp account. I tried to stop the payment, i requested a refund, and cash app did nothing. I made a police report about it. Cash App had no interest in the police report ( XXXX XXXX County MI Sheriff ). Now they are refusing to credit my account. They contradict their own policy by allowing such a large transaction evidenced below.

20. Transaction Limits. This Section describes the maximum amount that you can spend, transfer or withdraw using your Card during the time periods described in this Section. 

Per-Transaction Spending Limit. The maximum amount that can be spent using your Card is {$7000.00} per transaction. 
Daily Spending Limit. The maximum that can be spent using your card per day is {$7000.00}. 
Seven-Day Spending Limit. The maximum amount that can be spent using the Card in a seven-day period is {$10000.00}. 
Thirty-Day Spending Limit. The maximum amount that can be spent using the Card in a thirty ( 30 ) day period is {$25000.00}. 
Withdrawal Limits. The maximum amount that can be withdrawn at an ATM or a POS devic e is {$1000.00} per transaction, {$1000.00} per day, and {$1000.00} per week. 
https : //cash.app/legal/us/en-us/card-agreement By allowiing {$7400.00} transaction , they are violating their own policy. They could of froze the account that funds were fraudulently transferred to so they could at least investigate, they did not. These actions make them complicit in the wire fraud and larceny.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of America Ltd. (CA)

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted Credit Bureau of America - " CBA '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that CBA would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that CBA sticks to their word and requests the deletion of this collection from the three credit bureaus.
Consumer complaint received 2020-07-08
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. (NY)

On XX/XX/XXXX I received a copy of my XXXX  credit report. Information is incorrect on the report. I tried 3 different numbers to reach them to dispute this information. All 3 numbers I can't get to dispute this incorrect information. XXXX XXXX XXXX. I also tried to go online and dispute these wrong accounts which is affecting my credit score. Again the system will not allow me online. There is an account XXXX XXXX XXXX XXXX that is reporting wrong. Account was paid in full plus the account was open and paid in full over 8 years ago. It's showing as negative. Which is completely wrong. Another account is XXXX XX/XX/XXXX which is showing late in XXXX and XXXX. I had lost work due to layoff and contacted XXXX  XXXX  immediately to see if I can set up for lower montly payments. I was told I can pay XXXX for the next 3 months and nothing will be reported as late. Well it was reported late.This is affecting my credit score. I explained due to corona virus I was laid off work temporarily. The other one is XXXX  XXXX XXXX that was opened back in XXXX this information is outdated and should be removed off my report. I am aggravated that I can't speak to XXXX  to have them correct my credit report.
Consumer complaint received 2022-06-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

On XX/XX/XXXX, Lexus Financial responded to my first Complaint, indexed as XXXX. The resolution offered by the Company was a {$1400.00} refund, which I have yet to receive. When I called Lexus Financial today, I was informed the Company " has no record of a CFPB response, nor the promise of a {$1400.00} refund ''. I was referred to Lexus Corporate, which provided me the same nonsense non-answer. At this point, not only do I demand the {$1400.00} refund as originally promised in writing ( via the CFPB portal ), but I also demand a payment for my time and damages in the amount of {$1000.00}. I spent over 90 minutes on the phone today trying to get Lexus Financial to do what was promised via this portal on XX/XX/XXXX. Lexus Financial has not kept its agreement to me.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CO)

On Friday XX/XX/XXXX received XXXX letters from Resurgent Capital Service company intent to collect money. My name is very common, just looking for XXXX XXXX and intent collect money, they don't verify before sending this XXXX. That collection is not mine, it's not my deb. I XXXX with prove documents sign and the last XXXX digits of my social security number. I never use the XXXX XXXX XXXX service. I called the company, but they are asking for your social number I'm not going to provide that information to them, on the contrary they have to prove that this debt is mine.