davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (DC)

In accordance of 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. 

Acct Name : XXXX XXXX Acct Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Has violated my rights 15 U.S.C 1681 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 a 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 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 consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (NJ)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXXXXXX Balance : {$390.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-19
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. (OH)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date of Charge Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

In early XX/XX/year>, I noticed my student loan balance shoot up over {$31000.00}, despite no loans being disbursed. My loan servicer is Ed Financial. 

I had made a payment of {$30000.00} and a few other payments that Ed Financial claimed were reversed to my savings account. I checked my savings account AND called my bank ; there were no payment reversals applied to my account. I am out at least {$31000.00}. Moreover, the interest since XXXX has been accruing on a larger, incorrect amount of principal. I also don't feel comfortable sending payments to Ed Financial, so interest is again accruing unnecessarily ( I am able to make payments, but I don't feel my money is safe if I transfer funds to Ed Financial. 

I have been calling Ed Financial almost every couple weeks ; on XX/XX/XXXX, they moved the complaint to emergency status but no update since then.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX, I called Equifax because the mortgage lender was not able to pull my credit report. Apparently they input the wrong address so I told the customer service rep I will let them know that was the issue. She said since I have a fraud alert on my account is blocked their information. She then said she can remove the fraud alert so that they can run my credit. I told her no do not remove the fraud alert its there for a reason and I will make sure that theyre running it with the correct address. She kept pushing me to remove it and said I can add it after they do the inquiry. I told her three times or more no do not remove my front alert. She then said well you can add it back on and they have a service that has a theory so I was trying to make me buy a service as well for my fraud alert. I explain to her AGAIN to NOT remove my fraud alert. The mortgage lender corrected the address and was able to run my report. The next morning I checked with my fraud alert and the young lady removed it! I was livid! I have the fraud alert on there because XXXX has been on my credit report since 2021 if not sooner for a collection that was not mine and it was due to identity theft. I am appalled that she removed my fraud after after I told her SEVERAL times to NOT remove it. I understand over 90 % of the cars go out of the country but the word no means the same thing & a clear understanding in all countries. 

Equifax is NOT authorized to remove my fraud alert!
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Collection Agencys : LVNV Funding LLC Charging Amount : {$750.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because I do not owe it.

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ).

Thank you for your attention to this matter
Consumer complaint received 2024-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Collection Agencys : LVNV Funding LLC Charging Amount : {$1700.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

I have disputed this item several time each time asking for account/accounting verification with LVNV they never provided. LVNV is/has stated to me that they are the original Creditor this is showing on my experian but on my XXXX LVNV has a different original Creditor. XXXX and XXXX always come back stating that this debt has been verified.
Consumer complaint received 2024-09-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received a {$200.00} pre-paid AMEX gift card as a gift, and I've been trying to use this for months now. On several different websites, different stores, different locations in-person, through XXXX, etc., all to no success. I reached out to the individual stores/locations I attempted to purchase a product from, and they said it's not on their end, they aren't accepting this pre-paid card. I then check my balance at AMEX, and it shows I still have {$200.00}, and none of the attempted purchases were above that amount. 

The general internet shows that this is a common problem and I am not alone. These AMEX cards are not able to be accepted by so many places.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

I file thru cfcb about a week ago I replied with what company is sending back thru cfcb not what I am asking them for never send me a signed contract company continue to violate my rights I am seeking {$1000.00} per violation for the emotional damage this company is causing me. 



The other XXXX accounts XXXX and XXXX and XXXX. 
Check the new law what is supposed to be send for validation of debt 12CFR 1006 Send me the original contract with my signature if this is my debt
Consumer complaint received 2023-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

I am trying to access gemini cryptocurrency account ( name : gemini trust company , LLC ) after long time. I raised multiple requests via their customer service portal but there has been no response from gemini support. I have funds locked in my gemini account that I am trying to access to alleviate some of my financial stress but I am not getting any support from gemini team as they keep sending response to XXXX pertaining to my XXXX account which I dont have access to for reason stated below. I had provided alternate email address ( XXXX ) which I have access to but I havent got an response from them with respect to any verification questions pertaining to my account which I can answer. I was able to restore my XXXX  account going this route but it has literally been a pain with gemini support. I dont know why gemini support keep sending response to an email to which I dont access to. 

Reason : I dont have access to my XXXX  pertaining to my gemini account since my phone got damaged which had authy app. I had used a XXXX  voice number for XXXX pertaining to my gemini account. I have lost access to that XXXX voice number because of which I am unable to login into my XXXX  pertaining to my gemini account.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

Dear CFPB, I am writing to report a concern regarding debt collection practices related to an account ending in XXXX ( Resurgent ID XXXX ). This account was included in my bankruptcy proceedings and should have been discharged. 

Description of the Issue : XXXX. Dates and Actions : Bankruptcy Filing Date : XX/XX/XXXX Bankruptcy Discharge Date : XX/XX/XXXX Communication Received : On XX/XX/XXXX, I received a message from Resurgent Capital Services stating that they had canceled my remaining scheduled payments and instructed me to reschedule payments once I receive a new payment method. 
Previous Actions : I have previously communicated with Resurgent Capital Services regarding the bankruptcy discharge, and they confirmed that the debt was included. 
XXXX. Amounts : Original Account Balance : {$1500.00} ( balance at the time of bankruptcy ) Payments Scheduled : $ 200 monthly payments were scheduled before the bankruptcy discharge. 
XXXX. Actions Taken : I have contacted Resurgent Capital Services to inform them that this account was discharged in bankruptcy. 
I have requested confirmation that no further action should be taken on this account. 

The communication I received suggests that the debt is still considered active, which conflicts with the bankruptcy discharge. I am seeking your assistance to ensure that Resurgent Capital Services complies with relevant regulations and that my rights under the bankruptcy discharge are upheld. 

Thank you for your attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (MO)

A loan was taken out XX/XX/year> with XXXX XXXX ( XXXX ) for {$3700.00} during a moment of emergency. To date the balance is {$3400.00} after making bi weekly payments of {$210.00} totally {$3600.00} in interest payments with no end in sight. This is predatory lending at its finest. I am requesting a reasonable payoff.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (SC)

Around the end of my Loan, I started to get all kinds of false information placed on my credit report stating I was extremely late on payments, as you will see in my downloaded information that this is false! This went to XXXX and also XXXX XXXX lowering my credit tremendously!
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I've have an account with Venmo and they keep on freezing it in the name of security. They won't accept my XXXX debit card and they won't let me buy crypto. I lost my debit card and I don't have any way to get my money out. Every time I try to use it, It gets frozen. I really need my money now!
Consumer complaint received 2024-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Fraud in the mortgage process - refusal to reinstate the mortgage- I am making a complaint about Select portfolio servicings refusal to remove my home from the public and private foreclosure listings even though it has been almost 2 weeks since they were paid the full amount of the reinstatement amt - arrears- {$30000.00}.

This is fraudulent and in bad faith on your part.

They were the ones that sent the figure for us to pay in order to reinstate the mortgage but they have refused to do so reneging and breaching the agreement. My home is still listed as under foreclosure, pre-foreclosure on XXXX, XXXX. It is unconscionable for them to continue to list it as still under foreclosure and pre-foreclosure when they have been paid the full reinstatement amount that they requested. 
This is fraud and intentional and negligent infliction of emotional distress that they are causing. It is a breach of contract and duty to use good faith in your dealings with us.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (DE)

I am filing a formal complaint regarding an inaccurate item listed on my credit report for a credit card account with CB Indigo. The details are as follows : Account Name : CB Indigo Balance : {$590.00} ( reported as over the credit limit of {$300.00} ) Account Opened : XX/XX/XXXX Reported Past Due : {$240.00}, with 120+ days late Date Reported : XX/XX/XXXX This account is currently marked as 120+ days late, and there is also an over-limit balance being reported, which has negatively impacted my credit score. I have previously disputed this account, and it is noted on my report that the account information is disputed by the consumer. However, the creditor has failed to provide sufficient verification of this debt and continues to report incorrect information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or unverifiable information. The information reported by CB Indigo is inaccurate, and despite my formal dispute, it has not been properly verified.
Consumer complaint received 2015-03-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received notification that my loan was being transferred via a letter dated XXXX. The transfer is effective XXXX/XXXX/2015. Also, the loan company continuously pointed the blame to XXXX XXXX. How is this legal?
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Credit Services Inc. (IL)

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

A dispute was sent to portfolio recovery associates llc The correct information was not provided in the letter sent back to me Portfolio recovery associates llc failed to request arbitration as stated they should in original contract Portfolio recovery took me to court before providing documents requested, wasted my time and was late to mediation Portfolio recovery continues to harass and take advantage of my time with endless calls to my telephone even as we are in court settling disputes
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (VA)

XXXX XXXX XXXX Since XXXX the following Data breeches that are listed below have taken place and my information has been leaked in each XXXX of them. At this point my data has been leaked so many times thatI can not understand why these companies are not begin held accountable. I am continue to get emails saying my info has been leaked on the dark and now i am getting calls that I have taken out loans in states that I haven't lived in for several years up unit this past year. The person says the loan was taken out in XXXX and I lived in a whole different state. I did ask to get the copy of the agreement with my signature and the ID that the took but have yet to get anything. I just can not be held accountable for someone else actions. As of recent I have locked my credit however up until a month or so ago my reports were not locked. I know there could be other things that are possible on my credit due to the continued leaks of my data. 
As of XX/XX/XXXX I have locked my credit reports My preferred method of contact is email to XXXX XXXX Data Breech HauteLook XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Breach XXXX  XXXX Data Breeches XXXX XXXX XXXX XXXX XXXX XXXX Data Breeches XXXX ( again ) XXXX XXXX Data Breeches XXXX student loan servicer Nelnet Servicing XXXX ( again ) XXXX XXXX XXXX ( again ) XXXX  XXXX ( again ) XXXX XXXX XXXX XXXX ( Again ) XXXX XXXX XXXX XXXX XXXX XXXX