davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have been a customer of Lowes credit card for years and have always made my payment on time to avoid interest and fees. 

I made a charge in late XXXX after not using my card for 6 months and in early XXXX I received an email stating my account was past due. I immediately called and they said I had a balance of {$140.00} that was not paid. I advised I did not receive the statement and agreed to pay immediately. The rep agreed to waive the late fee but I asked if they could also waive the interest due to what occurred. She said she would escalate it to her manager as she had no empowerment. 

A few days later they came back and said my request was denied as the statement was mailed. By that time I received my new statement and had {$39.00} in interest on a balance that was {$140.00}. I called and spoke with a supervisor who agreed to waive the interest charges and told me to send in the amount of my new charge which was {$620.00}. He said that would zero everything out. 

In XXXX I received a statement with a balance of {$10.00} which surprised me. I called today and it was escalated to an account manager who said she has no ability to credit that fee as the system locks her out as a fee was credited in the last 12 months. I asked that this be escalated further and she said she was the top of the chain and no one has the ability to credit this fee. I said I do not believe that as I also work for a bank and someone has that authority especially with me being told the {$620.00} would zero out my balance. She said thank you for calling and hung up which is the reason I am filing this complaint. 

Also earlier this year they started charging for statements being mailed. This seems like a junk fee and it should be built into their rate, which is already very high.
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (NJ)

I am filing a complaint against Credence Resource Management for their repeated failure to provide proper validation of a debt they are attempting to collect, and for reporting inaccurate information to the credit bureaus. 

Details of the Issue : Lack of Proper Licensing : Credence Resource Management does not possess the necessary license to collect debts in the state of New Jersey. According to New Jersey state law, debt collectors must be licensed to operate within the state. Credence Resource Management 's lack of licensing renders their collection activities illegal and invalid.

Failure to Provide Adequate Validation : Despite multiple requests for validation, Credence Resource Management has failed to provide proper documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). They have only provided a standard account summary, which does not meet the legal requirements for debt validation. Specifically, they have not provided : The original signed contract with the original creditor. 

A complete payment history. 

Proof of assignment or ownership of the debt by Credence Resource Management. 
Instead, Credence Resource Management has repeatedly provided the same insufficient form that does not constitute valid proof of debt. This form does not address my request for proper validation and fails to meet the standards set by the FDCPA. 

Continued Reporting of Disputed Debt : Credence Resource Management has continued to verify the debt with the credit bureaus without providing proper validation. This is a direct violation of the FDCPA, 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Impact : The actions of Credence Resource Management have caused significant stress and financial hardship by negatively impacting my credit score with inaccurate information.
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

On XX/XX/XXXX I received {$80.00} to my cash app account By mistake the money was sent to my overdrawn XXXX XXXX account. 
Immediately contacted XXXX XXXX they said I had to file a claim so I did that and then they returned the money on XX/XX/year> to my cash-app account that it was originally sent from. 
Since that day I have numerous times to find out why the money was never posted to my cash app. The amount would have been {$78.00}. that is the {$80.00} that was originally sent minus the {$1.00} Transaction fees that cash app charged me. 
I would gladly send you a record of all of the complaint and record numbers for my calls to cash that but there are truly too many of them to count. I have been told on numerous occasions that the the complaint had been escalated which means that it has 10 days to rectify the situation but they still have not. I spoke to supervisor after supervisor and have gotten nowhere. I continually get emails and told that the case of an escalated but that doesn't mean anything because it has still not been handled. They have closed case after case and complaint after complaint of mine but yet never taking care of the situation I'm asking is that my money is returned the {$78.00} to my cash account. I have sent them all the information that they have requested from XXXX XXXX as far as documentation goes, I have had XXXX XXXXXXXX conference call with me to cash app so that the bakers at XXXX XXXX could personally tell them they sent the money..I don't know what else to do. They refuse to return the money despite written and verbal proof that it was sent back.it has now been almost 2 months. I just want my money. U have lost a job already over having to spend time in the phone with cash app over this situation
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

On XX/XX/2024, my check card with US Bank stopped working I then called the bank and USbank told me to visit a branch to get my money. I was then denied my money upon visiting a usbank branch with no explanation as to exactly what is going on. I have received nothing in the mail a week later. In the past I have disputed multiple transactions on my account for multiple reasons and have provided in depth explanation for every single dispute complying with and assisting usbank in its investigation and whether or not I keep provisional credit has been up to Usbank and it is my right to dispute any and all charges involving my account. Just because I dispute doesn't necessarily mean there's been fraud there are numerous reasons why a transaction should and can be disputed including fraud. So there you have it I have disputed multiple transactions well within my right and USbank in turn retaliates against me by locking my account and withholding my hard earned money with no correspondence received or any indication as to exactly what the bank is doing to resolve it's own concerns and return my money. I owe " USBANKCORP '' absolutely NOTHING. Every transaction and dispute with my student checking account with USbank has been resolved and my account is current. I have been providing no information as to exactly what to expect in terms of receiving my money and I am being denied access to my property. I need USBANKCORP TO CLOSE MY ACCOUNT AND GIVE ME MY MONEY ASAP my account ending in XXXX currently has $ XXXX this is the amount I am owed.
Consumer complaint received 2024-10-17
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. (TX)

Hi, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : I did not authorize nor do I have knowledge of this inquiry. 
Clarity Services A Part of Experian.. on behalf of XXXX XXXXXXXX XXXX Inquiry date- XX/XX/year> Clarity Services a part of Experian ; on behalf of XXXX XXXX XXXX XXXX inquiry date XX/XX/year>
Consumer complaint received 2024-10-17
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. (TX)

Hi, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : I did not authorize nor do I have knowledge of this inquiry. 
Clarity Services A Part of Experian.. on behalf of XXXX XXXX XXXX Inquiry date- XX/XX/year> Clarity Services a part of Experian ; on behalf of XXXX XXXX XXXX ; inquiry date XX/XX/year>
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

to Coinbase 's negligence, my account was stolen as follows. It was stolen on Friday, XX/XX/year>2024 at XXXX. I reported it at around XXXX PM on Monday, the XXXX, after the weekend, and I have tried to respond several times, but I have not received any response. The reason is that Coinbase took a commission of XXXX and is trying to blame it on me. It is so unfair. I only deposited money and have never withdrawn it. It is so unfair. Please help me solve this problem. Thank you. 

This is an email from Coinbase. I have already included the contents. 
How are you? 
Why is there no answer yet? Even if a fraudster stole my password, your company needs to verify my phone number when logging in, and he needs to have a fingerprint on my device. How can the security system be so negligent that he can steal money from my account? And I submitted the report within XXXX hours of the business working day. A fraudster stole it at XXXX on Friday and I reported it at XXXX the following Monday. XXXX hours before working day. We look forward to your quick reply. 
Thanks. 

Hello, this is XXXX XXXX. 
On XX/XX/XXXX ( Friday ) at XXXX, a scammer withdrew {$6700.00} from my account and took XXXX as commission from Coinbase. I reported this to security @ coinbase.com on the afternoon of XX/XX/XXXX ( Monday ) have not heard back yet. I reported within XXXX of working day and I have never sold any coin so far. 
If you don't solve this problem, I will file formal complaints with XXXX, XXXX, and XXXX. Please see below. 
Thank you. 

Sincerely, XXXX XXXX XXXX, My name is XXXX XXXX My email address is XXXX Phone # is XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX what happens to my account? 
Someone stole my Bitcoin I never sold my Bitcoin and got the money. 
I have got an email like this. 
Coinbase Order filled Your Market order to sell XXXX XXXX was filled. 
Date of last fill XXXX2024 Time of last fill XXXX XXXX XXXX XXXX Type Market sell Amount XXXX XXXX Price {$67000.00} Subtotal {$6700.00} Fee {$81.00} Total {$6600.00} Order ID XXXX Please solve this matter. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account to be removed.

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. 


XXXX XXXXNever 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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-17
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. (NY)

I have made numerous attempts to delete items from my credit report that are being reported without my consent I did not give these creditors or these Credit Reporting Agencies permission to disclose any of my personal non-public information. The following accounts are the items I am referring to. 

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 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been brought to my attention that although I have written several letters asking for validation of debt, verification of debt, original promissory note, off ledger accounting statement I have not I am not getting any response because of the automated system you have in place which in fact is a violation as well. 

When it comes to uploading my documents on their portals, it is difficult for the consumer to upload the pending documents needed to expedite their dispute claim. They have been notified various times in attempt to cure that they continuously dismiss. That is also a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. They are not investigating the legitimacy of these accounts I did not give consent to these accounts or permissible purpose and are in violation of the Gramm Leach Bliley Act.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (CA)

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 2024-07-30
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: Experian Information Solutions Inc. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$31000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been having multiple financial problems because of the information on my credit report is wrong the names and addresses are not mine and I want them removed from my report. 
My only name is XXXX XXXX XXXX. 
My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
My date of birth is : XX/XX/year> My social security number is : XXXX Any information other than information listed above should be removed from my credit report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX F XXXX
Consumer complaint received 2024-07-30
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXXaccount # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' account # XXXX all XXXX XXXX XXXX account # XXXX are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX, XXXX XXXX XXXX " XXXX '', XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"