davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I purchased a vehicle jointly with my daughter XXXX XXXX XX/XX/XXXX. The vehicle was XXXX  XX/XX/XXXX. We never received notice that the vehicle was sold at auction, what amount it was sold for, and what negative balance remained. However this was placed on our credit reports. 

According to the Fair Debt Collection Practices Act, 1006.30 Other prohibited practices.- ( a ) Required actions prior to furnishing information. 

( XXXX ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies paragraph ( a ) ( 1 ) of this section.

None of this has happened
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of Mortgage account number XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the 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 and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX 2023 XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX I received a text at XXXX at night asking if I made a transaction a charge to XX/XX/XXXXes or No. I replied XXXX at XXXX and the XXXX response stated the transaction was blocked. 
I immediately went to my account and investigated how to freeze my account after realizing I no longer had my debit card. 

The XXXX XXXX was already frozen by the night of XX/XX/XXXX. 
I also noticed the other transactions for XXXX and XXXX $ also to XXXX did not get mentioned in the original text so I knew I had to contact to clear this up. 

I first contacted Chime XXXX XX/XX/XXXX at XXXX PM. 
I opened my first dispute and provided the entire story to the representative. I provided the entire story and made sure everything was clear as to what happened. I was then assured this will not take long and there is enough information so I should be fine. 

I received a response XXXX stating the claim was denied and no error was made. I called immediately and was advised that there was not enough information on the case which is strange as the last rep confirmed the same story was documented. 
I've never purchased anything from this website. I've never had an issue with a dispute before. 

The claim was then reopened but again denied XX/XX/year> stating no error occurred and the ruling is final.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (FL)

Back in XXXX, unfortunately, I opened an account with XXXX for collections. I started making some collections and they closed the account, claiming that it was not trustworthy! Supposedly, the money I had collected could be delivered to me within 90 days ( take note ). Years went by and we are in XXXX. In XXXX, I received XXXX letters telling me that if I did not claim my money by XX/XX/XXXX, they were going to send it to the State of Florida to the Unclaimed Property Department. It turns out that I was calling them for almost 3 months and they gave me XXXX of the XXXX funds. But for this, you have to beg them day after day to give me my money. Now on the XXXX, they told me that I had to wait XXXX more days for them to unblock it or else ask the State of Florida for it. I am sending them a copy of the document requesting my money from the stadium, which they do not have. This is the worst thing about playing with the client and they even blocked me.
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have received a fwd letter about the company collecting a debt from XXXX  XXXX. I currently have an investigation going on with XXXX  XXXX due to inaccurate reporting this was one of the accounts that was removed from my credit torpor and they went and sold it to a collection agency, I found the inquiry of them pulling from my credit report PORTFOLIO RECOVERY which I did not allow nor give them permission to. I did not even give capital one to give this company my information to even collect on this debt at all. I am providing information in regards to the information I am requisitng and to cease all communications.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MO)

DEBT VALIDATION LETTER Date XX/XX/year>XXXX  This letter is being sent to you in response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, b

ut a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30_days from the date of your receipt. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I have Venmo and have for years and I have had money sent many of times and haven't had any problems but restly about XXXX  months ago I was sent XXXX dollars for work I did for someone at there house and the day the sent it it was all go until I tried to transfer it to my bank that evening, it said it would take XXXX but by morning my Venmo account was frozen and had been since I have called them email them and nothing is being doing they don't care and my account is still frozen and I can't do anything about it I need help
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

This account was paid in full per an agreement with you and therefore, should not have been written off. I never received a 1099c to claim it as income on my taxes. You are reporting inaccurate information to the credit agencies. I request this account be deleted from my credit report.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I purchased a laptop using my credit card issued by the store. I was told i will receive the following promotions with my purchase. 
XXXX $ promotional certificate, XXXX rewards points for using credit card, XXXX $ promotional certificate I only received the XXXX $ promotional certificate. Didnt receive the rewards points or the other certificate. I was able to see the points in the rewards history but it wasnt getting shown in the balance for me to redeem. Tried calling the store and credit card company multiple times spending more than 25 hrs total. The customer service kept telling me that the will escalate the issue but the next time i call its a different agent and again tells me they will escalate. This went in an endless loop. 
Finally i decided to close the account and file a complaint.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (TX)

Absolute Resolutions Investments LLC has failed to provide Validation and Title ownership documents Forward Flow Agreements, and Account Level documents requested to provide legal validation and ownership of alleged debt legally. Absolute Resolutions Investments LLCs ' failure to respond and provide rebuttal to affidavit received by their company line by line including the previous requested documents and files has enacted the self executing counterclaim contract which is to be arbitrated by XXXX XXXX XXXX. 


Absolute Resolutions Investments LLC has failed to provide validation, verification, and Account Level Documentation, ownership of account documents as well as Purchase and Sale agreements ; Bill of Sale as well to provide documentation and status of ownership of account. Including Form -B-1 with Notice of disclosures, and Forward Flow Sale agreement of account and ownership status to verify. Account Level Documentation, Tracking numbers, and certified return receipts of delivery confirmation of the documents signed by me prior to reporting to Bureaus, repositories, reports, data, and data bases. Per the guidelines of Regulation F 1006.34.

Pre- Arbitration Notice This is considered official Pre-Arbitration Notice and notice of self executing counterclaim contract to be enacted. From previous notice of dispute 1. 

Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the XXXX XXXX XXXX in accordance with its Commercial Arbitration Rules and judgment on the award rendered by the arbitrator ( s ) may be entered in any court having jurisdiction thereof.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (IL)

I was promised a car from the seller, which I didn't receive, bottom line. I sent the seller {$80.00} to paypal, {$6.00} fee. When I found out that I was scammed, I disputed the funds for a refund. I then receive an email from Paypal that their decision found in favor of the seller because the only option to send the money was a personal transaction and not goods and services. 

So now I am disputed the same transaction through my debit card. I've talked to numerous chat and phone rep regarding the status of my dispute and they tell me that it could take up the 90 days for their decision. This is unacceptable to me, so this is why I've placed this complaint.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (NE)

I have been receiving non stop calls from a debt collector comenity bank. Since XX/XX/year> they have called me and left voice-mail over 45 times. They call as restricted and leave voice-mail. They call under different numbers and leave voice-mail. I have attached screenshots of the calls. They are from various numbers. Different names. Blocked calls. Calls i couldn't even call back. And they are all from Comenity Bank. Reason I know this is because they leave me voice-mail saying it is extremely important to call back before this ends up in legal actions.
Consumer complaint received 2024-10-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

I previously opened an account with Santander Consumer USA to finance car with XXXX on XX/XX/XXXX. The car was a XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I had no record of late payments, unpaid payments or any negative impacts during my time with this company. I later exchanged my car in XX/XX/XXXX for a newer XXXXXXXX XXXX XXXX and the payout was completed through the companies ( XXXX and Santander USA ). I have had my XXXX XXXX rogue sport for 4 years now and Santander Consumer USA has reported that the last payment for the XXXX XXXX was not paid. I have asked for paperwork and/or some type of documentation showing that I owe after 4 going on 5 years. I never received any proof. I then asked them for a goodwill removal on XX/XX/XXXX and I did not receive any answer back. My final attempt was XX/XX/XXXX, where I sent a letter to Santander requesting for a removal and it is now way over there XXXX day period. I have also called Santander on numerous occasions and they were not helpful at all with trying to settle this issue and to have it removed from all 3 bureaus.
Consumer complaint received 2024-10-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc. (SC)

According to *15 U.S. Code 1666 ( b ) *, creditors are required to correct billing errors promptly. I believe that this late payment entry is inaccurate for the following reasons : the late payment is inaccurate. : " The payment was made on time but was not processed correctly by your system and I never received a bill for the month in question, and I dispute the late payments that was applied as a result I am trying to buy a house for my XXXX XXXX  and this late payments hurts my dream thank you for understanding my situation
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

After calling XXXX, I got no response, then I called XXXX and was told to do a credit appeal which was wrong for my issue. Then I tried submitting a compliant on your site and received this message ; This page is currently unavailable. Were unable to take your feedback right now. We are working to resolve this issue as quickly as possible. Please come back later to resubmit. We apologize for the inconvenience. This message needs to get to your immediately and I can not wait until you fix it on your end. 

My issue is about my XXXX XXXX XXXX XXXX that are covered under the Title IV of the Higher Education Act of 1965 ( HEA ) ; listed on the Social Security Administration website in their PROGRAM OPERATIONS MANUAL SYSTEM ( POMS ). Each Loan Provider such as XXXX, XXXX, etc all had a duty to know all Federal Educational Loans were under the Title IV of 1965 and that all my student loans are a GIFT used to pay tuition, fees, or other necessary educational expenses from my UTMA account. My APPLICATION for credit was turned into a COLLATERAL SECURITY per 12 USC 412 and I was supposed to be given a cash advance which is a purchase money loan per 16 CFR 433.1 ( d ) from the loan provider as valuable consideration of exchange which was the application for them to trade on the secondary market for them to profit from but instead those loans are on my credit report as if I'm suppose to pay it back, that's FRAUD. SEE ATTACHMENTS.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant XXXX  and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2024-09-25
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 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
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MS)

Payment for Air conditioning Service and Contractor for construction of the driveway in the amount of {$23000.00} on XX/XX/24 was paid though XXXX XXXX and deposited to XXXX XXXX  Then on XX/XX/24 I transferred the amount of {$14000.00} to a Chase Bank account for the Contractor and the original {$23000.00} to XXXX XXXX was cancelled.
Consumer complaint received 2023-10-05
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.