davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Venmo decided after 7 years of using my account for the same thing that I violated there policies of account use. 7 years I have been using my venmo for the exact same thing amd a the sudden I'm deactivated for life. Now I have {$7700.00} in that closed account that I can't access and they have no sense of urgency to help me or even respond to me. I have a famliy to support and all they want to do is sit on their XXXX and hidden behind emails only while the contract customer service to XXXX and teach them to copy and past XXXX. Pathetic is an understatement for how they do business amd it should be illegal for them to steal my money.
Consumer complaint received 2020-07-08
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: Conn's, Inc. (TX)

To whom it may concern ; XXXX XX/XX/2020 I received an alert on my credit report stating Conn Appliances had reported a missed payment. My monthly payments are due every XXXX of the month. My payment prior to this date was made on XX/XX/2020. On XX/XX/XXXX, I called Conn 's customer service phone # and processed a payment over the phone I asked the rep what my balance was to bring my account current because I knew I owed XXXX but it wasn't 30 day 's late. She said {$150.00} and that would put my account at a {$0.00} balance. My account should not of been reported 30 days, especially by them reporting it on XX/XX/2020 it hadn't been 30 days. 

On XX/XX/2020 I called to speak about this matter they stated I needed to send an email to dispute the issue. Which I did, I called a few days later XX/XX/2020 and the rep I spoke to stated Conn 's did not report a missed a payment advised her they did and also let her know I sent an email about this issue. She looked into and she did see my email and stated the email was sitting there unread but she would fwd to the right department but she could not give me a time frame of when it was going to be reviewed. A week later XX/XX/2020 I called back and spoke to XXXX XXXX Employee ID # XXXX from the billing department he reviewed my account and he stated this was an error by Conn 's and he stated I would received a letter via email stating this matter had been taken care of. He asked me to call back within 72 hours in case I did not receive it. 

I didn't receive the letter, I called back XX/XX/2020 and spoke to XXXX a ( supervisor ) she stated she needed to send the account to " Maintenance '' to update billing and she would make a note for the credit bureau department that this was in fact an error. She also stated the issue would be resolved within 72 hours. She wasn't sure on the letter to my lender, but she assured me she would call me back same day to confirm. If for whatever reason I didn't answer she would leave a voice mail or call back again. I was off of work that day and had my phone on me all day and she did not call me back. I called back today and spoke to another ( supervisor ) she stated she needed to further review my payment 's on the account because she notice XXXX 's payment was NSF I'm not sure why because on my bank account it was drafted. She stated she would get back to me by the end of next business day. I have been getting the run around on this matter for the past month and no one, not a rep nor a manager have been able to resolve this issue. If my account was in fact late why didn't I get a written document via email or mail or a phone call. Attached are copy 's of my bank statements from 2020, including XXXX 's draft!
Consumer complaint received 2020-05-18
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions bank is woefully inapt to run a bank adequately. They have many complaints, I just wish I had known about the abundance of complaints before I signed up to bank with them. 

XX/XX/year> I wake up to multiple emails from all the credit bureaus and other credit reporting agencies telling me I have a credit card from Regions Bank that the payment is over 30 days late. I got no notifications from Regions bank that a payment was missed ; no emails, no phone calls, nothing. Nothing from Regions saying payment was coming due, nothing saying it was missed, nothing saying it was over 30 days late, no notification on the online dashboard, no notice on the online statements. I have NEVER in my life had a bank that gives XXXX notification about payments at all. After I received the notification from the credit bureaus I put in a dispute and provided copies of the online dashboard and online statements, all showing no notifications of late or missed payment. I have all my credit cards on autopay so that I dont miss any payments. I thought Regions credit card was also on autopay, especially since I did NOT receive any notifications about the payment. As soon as I received the notification from the credit bureaus I contacted Regions bank and made the full payment ( which was only {$9.00} + fees ). My credit is ruined for 7 years over {$9.00}. My credit was Excellent before this, my credit score went from XXXX to XXXX. I feel that it is very unfair that my credit is ruined for 7 years when this bank does not have the systems in place to properly run a bank adequately.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (DE)

I have this collection account in my XXXX credit report for {$730.00} from Spring Oaks Capital LLC I have file about XXXX disputes before with XXXX about this account not been mine I have asked them to send me any information they have about this account that will validate this debt and I have not received anything yet I have about XXXX  months fighting XXXX about this and they wont do anything to removed this account. I tried contacting the collector aswell but when I called the number they provided my call was directed to a company trying to make me subscribe to a debt relief program. I can provide all the disputes I have submitted before as soon as I can download all the reports I will upload them here
Consumer complaint received 2017-11-06
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. (CA)

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX living on XXXX XXXX XXXX XXXX., XXXX . XXXX, XXXX XXXX XXXX, FL XXXX. My cellphone number : XXXX. My emai is : XXXX. 

Home Depot charged my credit card for an installation that didn't happen at my apartment neither i signed for it. 
At first i tried to solve it directly with them but they didn't care to fix it, I took them to court and the Judge ruled on my favor saying that " I was improperly charged '. 
I called the 3 different bureaus to remove that account on my credit report showing them the court papers. The Bureaus couldn't fix my report saying that the creditor ( THE HOME DEPOT/CITYBANK ) still claims the account belongs to me. 

The Creditor is THE HOME DEPOT/CITYBANK : XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2024 Per the FCRA as a federally protected consumer I am now opting out of of any and all authorization I the consumer may have given written and unwritten, verbal and nonverbal per 15 usc 16802. It is illegal to report transaction history and per 16 cfr 433.2 and 16 cfr 433.3 states that you are not exempt from claims.
Consumer complaint received 2024-10-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (TX)

On XX/XX/year> Consumer received a debt collection letter from RAUSH STURM LLP, a self admitted third party debt collector with a primary location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Said debt collector has no permissible permission to contact the consumer and has failed to file a debt collector bond as required under Texas law. On the same day as receipt of the letter, Consumer sent a validation request via certified mail, offering to pay upon validation of the alleged debt. Upon the expiration of the thirty days given to validate the debt and instead of verifying the alleged debt, RAUSH STURM LLP filed suit in the XXXX XXXX, Precinct XXXX, Place XXXX, XXXX XXXX, Texas under case # XXXX. Consumer filed a motion to dismiss and a hearing was scheduled to which RAUSH STURM LLP failed to appear and the case was dismissed.
Consumer complaint received 2024-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (KY)

XX/XX/year> XXXX XXXX XXXX redden XXXX XXXX Near XXXX XXXX, Kentucky without UNITED STATES not in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX NOTICE OF LIABILITY AND SELF EXECUTING DEFAULT 1. Request is for the original instrument on the underlying obligation. ( Original application/ source documentation bearing my social security account number that created the alleged account. ) Unless it's normal business practice for XXXX XXXX  XXXXAIDV to restrict trade and or performance. 
XXXX Who is the original creditor, If not the creditor, A request for XXXX XXXX XXXXAIDV mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate. 
XXXX. Ineed XXXX XXXX XXXXD/AIDV to provide the ( GAAP ) generally accepted accounting principles for this account.

4. Provide me with a certified copy of the SSA-89 form prior to the initiation of this account.

5. A completed W9 form. 
XXXXXXXX XXXX XXXXXXXXAIDV you have 10 days from receipt of this NOTICE to provide all requested documents herein and above. If XXXX XXXX XXXXAIDE attempts to send anything other than requested it will be considered as a NONRESPONSE and further attempts to deceive me will be used as evidence against you. As silence is tacit agreement under the law, silence can only be equated with fraud where there is a lawful or moral duty to speak, or where an inquiry left unanswered would be misleading, whether intentionally or not.

Failure to provide the requested above documentation will be the complete agreement between the parties with no reservations, no officer, agent, attorney, employee, etc,. may contest the finality of this judgment listed below, tacit agreement to the following : 1. XXXX XXXX XXXXAIDV agrees All and any reporting to all credit reporting services will be removed immediately with rapid rescore. 
XXXX. Agree XXXX XXXX XXXXAIDV commit violations of the FDCPA Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction Unfair or unconscionable debt collection practices, furnishing certain deceptive forms, deprivation of rights under color of law, warring against the constitution of the state and US, invasion of privacy, inland piracy, fictitious obligations, legal simulation/simulation of process, peonage, abuse of process, and deceptive business practices. 
XXXX. Agree XXXX XXXX XXXXAIDV Never gave me full disclosure that my financial info was to be shared with an " unaffiliated party '' like XXXX, XXXX, XXXX or XXXX. 
XXXX. Agree Failure to provide will have you scheduled for backup withholding. 
XXXX. Agree XXXX XXXX XXXXAIDV committed aggravated identity theft.

6. Agreement your agents may not contest the finality of this default judgment.
Consumer complaint received 2024-01-07
Product: Credit reporting 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. (NJ)

I've noticed that some of the inquiries on my report were done without my consent. I've reached out to each bureau, but have been ignored. Here are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 
ONce again I do not know this account
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Act, the following companies : XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. states I have right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2023-01-16
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. (CA)

XXXX XXXX - Account XXXX XXXX Equifax is reporting inaccurate information regarding the XXXX XXXX account number XXXX. Equifax is reporting the date of first delinquency as XX/XX/XXXX. Based on what Equifax is reporting regarding payments the date of fist delinquency should be XX/XX/XXXX. 

Equifax is reporting XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XX/XX/XXXX, NO Payment or past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XX/XX/XXXX and XX/XX/XXXX. 

Since there were no payments made from XX/XX/XXXX through XX/XX/XXXX. The date of first delinquency could not XXXX XX/XX/XXXX. There is no payment data prior to XX/XX/XXXX. Additionally, since Equifax is reporting XXXX XXXX past due in XX/XX/XXXX. It stands to reason that Equifax would be reporting XXXX XXXX or XXXX XXXX past due in XX/XX/XXXX. The date of first delinquency could be XX/XX/XXXX. It would have to be prior to XX/XX/XXXX. 

Despite my written requests, the unverified item listed below still remain on my credit report in violation of XXXX XXXX. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they verified that these items are being reported correctly. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2019-09-02
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: FC HoldCo LLC (MD)

On XX/XX/2019, I went into XXXX XXXX in XXXX, Maryland with the intent on looking at cars for research purposes. After 30 minutes, the car salesman said, he would check to see if I qualify for the car we test drove. I specifically told the salesman " I just got my credit up and I wasn't to sure about running my credit. '' After 10 minutes he came to me and said that I was approved for the car. When I checked my credit I saw that my credit was ran almost 10 times without my approval. I was misled by deceptive marketing practices. Flagship Credit Acceptance company ran my credit through their system without my knowledge or approval.
Consumer complaint received 2019-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

CHAPTER XXXX BANKRUPTCY ( USBK COURT XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report:XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX