davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
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. (MS)

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 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 has violated my rights. 

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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (SC)

I had a Mercedes Benz Financial Services ( MBFS ) lease I took out in XX/XX/XXXX while living in XXXX  XXXX, CO. The account no. is XXXX. I had a financial situation and voluntarily turned the leased car in early in XX/XX/XXXX and I stopped paying for the car at that time. 

So, that account went delinquent in XX/XX/XXXX and it has now been more than 7 years since the date of last delinquency. MBFS however are continuing to report to the credit agencies ( as of XX/XX/XXXX ) this is a current, paid as agreed account when when they know its been delinquent over 7 years and thus should have now fallen off of my credit reports. 

It appears that by marking my account as " Current or paid as agreed '' with a past due amount of {$16000.00} XXXX is trying to " reage '' my account making it look as though it hasn't been delinquent for more than 7 years -- which it has. Concerningly, on my XXXX credit report they even show false payments being made on time in XXXX to XXXX. This NEVER happened. The account has been delinquent since XXXX. This is deceptive and illegal. This delinquency should no longer appear on my credit reports and it's negatively affecting my scores.
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (MS)

World Finance continues to attempt to collect an alleged debt. World has not provided the documentary evidence requested. World Finance continues to furnished this alleged debt to consumer reporting agencies. World has caused me emotional distress. World Finance continues to mislead and misrepresent. Why wasnt I informed of the right to rescind the consumer credit transaction?
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I got a XXXX XXXX card in XXXX of XXXX. I started making payments in XX/XX/XXXX of XXXX once I was able to get into the website, I requested ebilling, however never received it or paper billing. I continued to make payments, not knowing if I was missing a portion or not. The few times I did pay more, were when I was able to get online/into the website. ( XXXX, XXXX ). Otherwise it was a guessing game, so i paid XXXX. 

All of my payments have been matched with a late fee, card security fee, interest. Any payments I made were zeroed out by these fees. Any payment I did make was 'posted ' a minimum of 2 days after the due date - hence the late fee, card security fee, interest. Those 'fees ' rotated and changed with the weather, I had to dive deep into the Synchrony website to even find this information- it is not easily accessible. 

The last time I talked to someone on their phone number was in XX/XX/XXXX. It was then I found out that the account was 'closed for non payment'.Up to that point, I was making payments - that posted to the account after the due date. Interesting, considering on my credit report as well as on their site - all my payments were marked as 'on time '. It is my understanding that if an account is closed, interest -card- late fess should not be adding up as well. In an effort to collect a debt, companies should not be making it harder. 

Im not trying to have this removed all together, but as this is a normal tactic for Synchrony bank/Care Credit, I need all those fees removed, a set payment amount, and a set due date that will not have them posting days later due to holiday, weekend, or whatever excuse they use to make it late. As of XXXX, I should be half thru paying this off - the total payments of XXXX as of XXXX should have me about half way thru this bill, not looking at an ever growing balance based on fees.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I made a purchase of bitcoin for $ XXXX using Coinbase Wallet- an app provided by the company Coinbase. I never received my bitcoin in return. My wallet continued to show a balance of XXXX. 

I called Coinbase support and was told they had to escalate it to another team as they can't directly see Coinbase Wallet. I received a support ticket saying they were working on the issue. 1-2 days later, I received an email asking me to provide my bitcoin wallet identification and a link to the transaction hash. I provided them this information. 

A couple more days went by and then I was notified by their support that the transaction was completed and they would be closing the ticket. Mind you, this was about 3 weeks to a month after I initially purchased this bitcoin. I still have yet to see any bitcoin. 

I followed up with Coinbase support and let them know that this issue is NOT resolved and I still need my coin. They followed up saying they are escalating the issue and support would follow up again. 

A few more days went by and I reached up to followup saying I still had not received my coin. They responded saying they are looking into it. It has now been about a week since then. 

I can provide the email thread between myself XXXX their support team. I've asked for a refund of my money if they can't provide the bitcoin. They just keep telling me they are looking into the issue. As of now, I tried some troubleshooting steps they had me do with the Coinbase Wallet app and now my app doesn't even seem to connect to a working wallet as it just says " looking for coins ''. 

Please let me know if there's anything you can do to help! 

Thanks, XXXX
Consumer complaint received 2023-10-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (FL)

Capitalaccounts LLC has called me way past the limits of harassment. On Friday XXXX XXXX XXXX  I received 5 calls. Every week day leading up to that its was XXXX  I have been trying to talk to these people but it is exhausting. I am in a marriage separation and going through some heavy life changes as well as some XXXX XXXX issues. This has caused my level of stress to effect my health. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fast forward a year or more, I get called by Capital accounts. My wife said our insurance said it was a coding error and medical office took acre of it. Calls from Capital continue and get more frequent as time passes. Wife, insurance, and medical office are not helping at all. I don't know whats right, I want to take care of dept if I owe but am very confused. The constant harassment by Capital has caused me to not sleep and have XXXX XXXX the past month. They have threaten that my credit score which is very good will be " destroyed '' and they try to close me on a payment plan and all met research says not to go there and to get help. This is my first attempt to get help. Thanks for your time.
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I paid off the balance in full based on the information I had about this student loan and one other student loan XXXX now has an overpayment ( credit ) of {$75.00} and the loan remains open student loan XXXX has been paid in full and closed as it should have been I have sent multiple messages to Edfinacial requesting the credit be paid to me and the loan shown as paid in full
Consumer complaint received 2024-08-05
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. (VA)

I notice unauthorized hard inquiries on my credit report that I would like removed. According to the FCRA SECTION XXXX that unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NV)

These are unauthorized charges that started in the month of XXXX. 
I was charged {$590.00} over 3 times first one started on XXXX XXXX XXXX. This has been ongoing for almost a year I have file a police report and I need this matter resolved. Per Goldman Sachs Apple card policy is that the consumer is not responsible for unauthorized charges but yet I am being held responsible for these unauthorized charges that was open on the internet from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had to close my card several time per Goldman Sachs agents they kept placing the blame on other agents for not filing the complaint properly instead of solving the problem this has continue from XXXXXXXX and still on going I have pay this account completely off over times the problem still not solved. 

Goldman Sachs Apple Card Acct # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-23
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-23
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (TX)

On XX/XX/2023, Stellantis Financial Services XXXX received a negotiable instrument in the form of a cashier 's check in the amount of {$80000.00} from XXXX XXXX, with the stated purpose of settling and discharging the associated account. Stellantis Financial Services credited the account with the aforementioned negotiable instrument, resulting in the closure of the account for a period of XXXX days. However, on the fourth day, XX/XX/2023, the account was inexplicably reopened, and the negotiable instrument was subsequently reversed, as per Stellantis Financial Services XXXX. This reversal indicated a failure to honor the negotiable instrument, effectively reinstating a fictitious loan amount, as per the provisions of UCC 3-604 ( Notice of Dishonor ) ( b ).

Per UCC 3-604 ( Notice of Dishonor ), if a tender of payment is made for an obligation related to an instrument and is refused by the entity entitled to enforce the instrument, a discharge of the obligation, to the extent of the tendered amount, occurs for any indorser or accommodation party with a right of recourse pertaining to the said obligation. This discharge was anticipated due to the dishonor of the instrument. However, Stellantis Financial Services US failed to provide any notice of correction concerning the instrument, thereby violating my consumer rights through deceptive practices and unjust enrichment.

In accordance with Title 15, Section 45 ( a ) ( 1 ) of the United States Code ( 15 USC 45 ( a ) ( 1 ) ), which empowers the CFPB to prevent unfair or deceptive acts or practices in or affecting commerce, I wish to draw attention to the company 's apparent violation of this provision. Stellantis Financial Services ' actions constitute an unfair and deceptive trade practice. I urge the CFPB to investigate this matter expeditiously and take the necessary measures to address these violations.

Furthermore, I have previously requested the company 's XXXX XXXX XXXX, which they failed to provide. This failure to comply with the request raises concerns of potential insurance fraud on the part of Stellantis Financial Services US. 

I eagerly anticipate a prompt response from the CFPB and sincerely appreciate your attention to making this claim a priority. Thank you in advance for your consideration and assistance in this matter.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (NY)

I have been fighting with this collection agency for the past 6 months. SECURITY CREDIT SERVICES has reported to the 3 credit bureaus that I owe {$5500.00} with an account # as XXXX. I asked for proof and was provided some contract that does not have my wet signature & has some forged signature as well as a bogus payment history from my bank debit card that was reported stolen. My bank card/debit card was compromised and reported stolen which is the same card this company is showing was charged for their merchandise. My bank XXXX was able to refund me the money stolen from my account as it was investigated and proven stolen. I have tried several times to reach out to the company both written and verbally. I have also been harassed by this company with phone calls. Because of this being placed on my report It has ruined my life as I am not able to purchase a home. I have not been able to sleep and am suffering from XXXX due to the harassing phone calls. I am presently seeking legal action against the collection agency thus why I have filed a complaint with you the CFPB. I have exhausted all attempts at rectifying this situation.
Consumer complaint received 2024-08-05
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-21
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: SYNCHRONY FINANCIAL (MD)

SYNCB Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. One XXXX, SYNCB placed a negative action on my credit report and it is affecting my ability to attain new credit.
Consumer complaint received 2023-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

Going through my credit report I noticed a collection for the amount of {$360.00}. I dont recall owing XXXX, the original creditor any amount of funds. As an insurance company based on Florida law ( FL Statutes, Sec. XXXX ), it is required for the insurance company to cover the cost for windshield repair. Upon contacting XXXX, I was told by XXXX they would not cover the expenses of the windshield cost even with me having full coverage. Knowing the law and after trying to inform them of the law, I chose to part ways with the company. I reached out to Credit Collection Services on XX/XX/2023 by postal mail requesting the debt to be validated record of any dialogue between alleged debtor and supposed creditor. Upon validation, if even possible, my next step was to consult with the agency to see what resolution we can come to and if there is an option for pay to delete. It is now XX/XX/XXXX and I still have no response from the collection agency, and the collection has still been reported on my credit as of XX/XX/2023. Being that I still have no response, I feel that my consumer rights have been violated.
Consumer complaint received 2023-10-23
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. (AR)

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.