davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

since XXXX  months venmo customer support is fooling me around and not giving me access to my funds.they keep sending me copy paste messages that I should reply to any email that I have no longer in my inbox because I deleted it by accident! they refuse to help me add my bank account in order to withdraw my funds! its a criminal organization! they do everything so people cant access their funds! 
I dont understand why they cant just reply to my multiple support requests! 
they refuse to offer any support and keep sending me copy paste! 

Hello XXXX, XXXX here from Venmo support -- I hope this email finds you well! 

I can see that your concern is being handled by our XXXX  XXXX XXXX  through case number XXXX. 

In order to make this a smooth process, please only respond to your original email chain ( XXXX ) with following information needed and any additional questions or concerns that you may have regarding this matter. 

You can use that number to search your email for their communication. Please maintain communication only within that same email chain with anything in regard to this case. This will ensure the correct team can address your questions. 

Any new emails will create new tickets that only go to XXXX XXXX, which may delay the resolution. 

We appreciate your patience as we work through this. If you need anything else, kindly get in touch with us again. A blessed day is ahead of you! 

Best, XXXX XXXX | Venmo Support
Consumer complaint received 2021-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (NC)

The motorcycle accident took place XX/XX/2019. The only level 1 trauma center close was XXXX  XXXX  on XXXX XXXX XXXX in XXXX. XXXX  XXXX  is in my insurance network and my fiance called to confirm that our stay there was covered. My insurance company told her that because the accident resulted in life threatening injuries that any and all treatment inside of the hospital regardless of the provider on call would be covered. The XXXX XXXX billing department billed as they normally would and the insurance company declined to pay certain bills as a result of the bill coding. We spoke with the insurance company and as long as XXXX XXXX changed the billing codes and resubmitted everything the insurance company would then pay. This was about 22-23 months ago and to date there has been no resolve to the past due medical bills. My attorneys office as well as my fiance were unable to get responses from XXXX XXXX  regarding these and they have been left unpaid as a result. Thanks again for everything.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report The information in my credit report is wrong. I also have sent out multiple separate disputes and only received stall letters and they are delaying the process below I will attach all documents of disputes I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

I have applied and was told I was put on forbearance 3 different times in 2023 due to awaiting Judges decision on XXXX hearing. I was never put in forbearance or deferment and then I have been reported to credit bureau as late! After waiting XXXX hours to finally get a supervisor, she basically gave me more incorrect information just to get me off the phone. I finally got my favorable decision from XXXX and reported that to them in XX/XX/2023. Nothing changed, but was told I was in an administrative deferment? That was not the case, nothing changed again. I was able to finally apply for Total and permanent XXXX discharge in XX/XX/2023. The amount of time and mental distress this company put me through makes me really wonder how someone who is working full time to pay their debt back would ever have the time to contact them or get any kind of positive results. This is unacceptable to me.
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

On XX/XX/year> I was charged a {$30.00} return check fee by Citi Bank though I called and informed the bank that I was doing a stop payment on the {$700.00} payment from my XXXX XXXX XXXX XXXX account. 

XXXX XXXX XXXX XXXX performed a stop payment and charged me the {$20.00} Stop payment fee. 

I contacted Citi Bank again about the {$30.00} return check fee which they refused to remove and have continued to tack on fees though the account has been paid in full and closed by them. They have harassed me and reported my account as delinquent on my credit, damaging me yet again with their predatory and reprehensible practices. 

They have also charged me {$24.00} in interest on the return check fee. 

There is {$30.00} in fees accumulated on the account between XX/XX/year> and XX/XX/year> statement. 

I also want to dispute the XXXX fee on the XXXX XXXXXX/XX/year> bill that became {$6.00} on the XX/XX/year> bill. This is an illegal fee charged.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding is in violation of the FDCPA, section 809 which states the debt collector shall send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 



LVNV funding did not adhere to these laws. I received no communication from LVNV funding to inform me of the debt for XXXX bank before this debt was inserted onto my credit report. There was no opportunity for me to dispute the debt or receive information in regard to the debt. LVNV funding violated my rights as a consumer.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation (TX)

Subject : Cease and Desist Communication and Removal of Unauthorized Account from Credit Report Dear TBOMXXXX/FORTIVA, I am writing to express my utmost concern and disappointment regarding your recent actions in relation to my account. I have discovered that you, as a debt collector, have accessed my non-personal information without my consent. This not only constitutes a serious breach of privacy but also raises the alarming possibility of identity fraud. 

I want to bring to your attention that I am not obligated to pay the debt you are pursuing, as I have already made the necessary payments. Your attempt to coerce me into making additional payments is not only unfounded but also an egregious violation of my rights as a consumer. 

Furthermore, I have noticed that TBOM/XXXX/FORTIVA has added an account to my credit report without my authorization. I would like to emphasize that even in the case of permissible purpose, the consent of the consumer is still required. I explicitly do not give my consent, and therefore, TBOM/XXXXFORTIVA should be immediately removed from my credit report to rectify this invasion of my privacy. 

In accordance with Texas-specific laws, including but not limited to the Texas Finance Code 392.202, I demand that you cease and desist all communication with me. Your unauthorized access to my personal information and the subsequent attempts to collect a debt I do not owe are clear violations of my rights.

Moreover, your actions may also be in violation of federal laws, such as the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you provide documentation supporting your claim and explain the basis for the unauthorized entry on my credit report. Failure to comply with these demands within [ a reasonable time frame, e.g., 30 days ] will leave me with no choice but to pursue legal action against TBOM/XXXX/FORTIVA. 

I strongly advise you to rectify this situation promptly by ceasing all communication and removing any unauthorized entries from my credit report. I expect your immediate attention to this matter to avoid further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at personal credit card account opened at XXXX opened on XX/XX/XXXX and unknown account opened at XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc. (AZ)

I wrote a letter to them dated XX/XX/2020 and informed them that the debt was invalid and that I had paid XXXX XXXX in full. Their letter had XXXX XXXX on it so I assumed it was sent in error. They proceeded to continue sending letters and even tried to take a payment from my daughter who is a minor. It was my daughters ER visit that they wanted to collect the copay for. I continue to receive letters from them regarding this debt that was paid directly to the hospital. They are sending letters with interest due on them after I told them I wanted to deal with the hospital directly.
Consumer complaint received 2023-12-27
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. (TX)

This credit reporting agency is reporting information regarding my payment history and utilization without my consent. I have not given it the authorization to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to this agency to furnish my transaction history. The history of my transactions are not supposed to be included on my credit report without my consent and authorization. This credit reporting agency is also in violation of the Privacy Act of 1974 which states that, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 USC 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments or utilization on my credit report.
Consumer complaint received 2021-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax Credit Bureau XXXX, XXXX Leased a vehicle at XXXX XXXX Since then, all the credit listed at Equifax has been wiped out as if I am a new borrower. I have tried to get assistance with this from Equifax and Consumer Finance since XXXX, XXXX to no avail. 

Recently in XXXX, XXXX I tried to assist my daughter to lease a car from XXXX XXXX and the application was denied because of Equifax even though I have a FICO SCORE OF XXXX. 

I am afraid that when my own lease is up in XXXX, XXXX that Equifax will prevent me from obtaining credit as well. 

Are there civil rights or financial lawyers who can help me with this matter. This matter began around the same time of the security breach with Equifax and I am told that my personal data was impacted by the breach.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

The night of XX/XX/2021 I was a victim of sim swap and I am a customer of XXXX XXXX XXXX XXXX is no help and they are not forthcoming as to how the swap took place. The thief stole over {$5600.00} of my coins in my Coinbase account and bought over XXXX in coins and transferred them. I got on wifi and saw emails popup about coinbase and locked my coinbase account/ reported fraud on XX/XX/2021. I could not figure out why the emails were disappearing. On XXXX I used a friends phone to call /restore phone service. That afternoon I started getting drafts of XXXX out of my bank accoun Zt. I closed my bank account. Coinbase has not been helpful. They penalized me for the fraud. I filed police and FBI reports. I staked my XXXX and coinbase withdrew that on XX/XX/XXXX to further punish me for the theft. Please let me know what I can do because no one is responding in a helpful way.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages.

Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports three 30-day late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports three 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Equifax : Also reflects three 30-day late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX