davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (MI)

RE :XX/XX/XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX,XX/XX/XXXXXXXX Listed below are the Collections that are being challengedXX/XX/XXXXXXXX - XXXX XX/XX/XXXX XX/XX/XXXX*PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING XX/XX/XXXXN XX/XX/XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXX XXXX never 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I closed my Comenity bank card in XXXX. Since then they have reported to the credit bureau that I am late and have an outstanding balance of {$17.00}. I call to rectify first time, they say it was a mistake and they will remove and the account has been closed. The continued to report to the credit Bureaus as late and balance still owed when confirmed through them account was closed and nothing is owed. Why are they still reporting over and over that I am late? This is affecting my employment with my federal licenses XXXX, this is affecting my ability to finance investment properties and future financing, and causing my stress and losing all my hard work to have my credit in a strong status vs medium status which costs me thousands of dollars with future financing opportunities. I can not seem to get them to stop dinging my report even though they said they would. Please advise. Something needs to be done for them to stop damaging consumers credit profile when the consumer is not at fault. How can I call 3 times and talk to three supervisors and they confirm that this is cleared and apologize and nothing happens but more damage to my financial resume. Please advise to this company to start doing things correctly. I am considering filing a law suit as well.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

Equifax refuse to investigate my dispute. I received a letter from Equifax stating they were unable to identity me. This is a stall tactic and unacceptable. 
By not replying in a timely manner to my initial letter they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the inquiries were authorized by me. 
As well as my biographical ( personal ) information being reported inaccurately. 
Equifax sent me a letter dated XX/XX/XXXXXXXX XXXX  XX/XX/XXXX requesting proof of address. On XX/XX/XXXX I mailed letters without proof of address by mistake. On XX/XX/XXXX I mailed revised letters with proof of address, copy of ID, copy of utility bill. 
I called Equifax spoke with representative XXXX ( XXXX XXXX XXXX  XXXX ) he confirmed they receive proof of my identity. XXXX stated they have proof of address, copy of ID, copy of XXXX XXXXXXXX bill. Although I still need to provide proof of address. I informed XXXX I have already provided proof of address. According to FCRA 1022.123 Appropriate proof of Identity ( A ) ( 1 ) ( 2 ) ( B ) Examples of information that might constitute reasonable requirements of proof of identity. In which has been provided. XXXX stated after the investigation they will send me a corrected copy of my consumer report. Equifax reported to CFPB I didnt submit proof of identity and/or address, copy of ID and copy of utility bill. I corrected the error I made asap, and Equifax representatives confirm receipt of documents. It has now been over 30days with no response to my dispute letter and no access to my consumer report. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active-duty alerts 2 ) Access to free reports -In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall Equifax is required to allow me access to my consumer reports as per Congress Law. 
On XXXX XXXX shows Equifax has NOT made any changes to my biographical ( personal ) information and/or address as well as inquires.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MO)

I haven't recieve any information if my loan was forgiven. I see interest going up on loan so I try to make payment and get rejected saying no payment due {$0.00} balance. But I see my loan increasing daily from interest. I try calling and 7 hour wait. They say they call back but never do. This is entrapment and setting me up for failure and cost me more in the end if loan was not forgiven.
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear Support Team, I am writing to express my deep concern over the permanent limitation placed on my PayPal account. I believe this limitation was a mistake, as I have not violated any PayPal policies. 

I have been a loyal PayPal customer for many years and have always used my account in accordance with the terms and conditions outlined by PayPal. Therefore, I am at a loss as to why my account has been permanently limited. 

I respectfully request that you re-investigate my case and restore my account if possible. I would appreciate it if you could provide me with a clear explanation of why my account was limited in the first place. 

I would also like to confirm that the email address associated with my PayPal account is XXXX. Please let me know if any further information is required from me to facilitate the review of my account. 

I sincerely hope that you will take my appeal seriously and look into this matter as soon as possible. I value the services that PayPal provides, and I hope to continue using them in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (OH)

Upon reviewing my credit report, I identified multiple inaccuracies that are adversely affecting my creditworthiness. I trust that you will conduct a thorough investigation into these discrepancies to rectify any errors. 

The specific item I request verification for is as follows : XXXX : NCB MANAGEMENT SERVICES PARTIAL ACCT # : XXXX AMOUNT : {$2200.00} XXXX : NCB MANAGEMENT SERVICES PARTIAL ACCT # : XXXX AMOUNT : {$2200.00} XXXX : NCB MANAGEMENT SERVICES PARTIAL ACCT # : XXXX AMOUNT : {$2200.00} This collection is under my previous name ( XXXX XXXX ) connected to my social security number.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

In XXXX or XXXX of XXXX, I received a letter from a collection agency trying to collect {$14000.00} that was owed to the XXXX XXXX. 
Someone used my Name, XXXX and SS # to rent an apartment from XX/XX/XXXX - XX/XX/XXXX at the XXXX Apartments at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I'm assuming they never paid rent and I am being contacted to pay this debt. 
This is fraud / identity theft. 
I lived with my wife in an apartment in XXXX, CA XXXX from XX/XX/XXXX- XX/XX/XXXX. 
I have rent payment receipts, water and power bill payment receipts, my XXXX lease agreement that started in XX/XX/XXXX, after which I was month-to-month till we moved out. 
I have done a background check on myself that does not show me ever living at the address where my information was used in fraud. 
This collection amount has hit my credit report as of XX/XX/XXXX and reduced my credit rating by XXXX points. I need this resolved.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

On XXXX XXXX a payment of {$600.00} was withdrawn from my checking account. I logged into my ED financial account to schedule another payment only to then see a notification that my loans were transferring to their new server. I was unable to schedule another payment and realized my {$600.00} was never applied to my balance. Since then I have spoken to numerous people and Im being told that my payment is processing and that I need to be patient because it takes time! Last week I made a payment since interest is accruing and payments are starting back up. That payment had no problem processing! Still waiting on my {$600.00} to be deducted from my balance. It has now been over 8 months. This is unacceptable! Next I will be contacting the ombudsman and open a whole can of worms and hope a huge investigation is started. Ive tried to be patient. Either give me my {$600.00} or deduct it from my balance! Im now paying interest on {$600.00} that shouldnt be there.
Consumer complaint received 2024-07-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: National Credit Systems,Inc. (NC)

National Credit Systems sent a debt collection letter for a joint debt that me and my daughter had XX/XX/XXXX. XXXX XXXX at XXXXXXXX XXXX my daughter and I contacted National Credit Systems to settle a debt. We spoke with XXXX XXXX who we settled the debt with. We settled for {$1300.00} at which we used two credit cards to pay, {$750.00} on XXXX card and {$600.00} on the other one. XXXX advised us we would receive a receipt by email and this listing would be removed from our credit reports. He advised us to check National Credit System online portal on the next day which would have been Saturday and the balance would update and we would receive a receipt. The first thing we noticed on Saturday when we checked the portal is that only the {$750.00} payment is showing and not the payment of {$600.00} and no where was we able to locate a receipt or a letter showing the debt satisfied. We contacted National Credit Systems back on Monday XX/XX/XXXX around XXXXXXXX XXXX and we advised XXXX that we wasnt able to locate a receipt, the letter that would state we paid and a pay for delete letter. XXXX seems to get aggravated with us because we was asking questions trying to get the documents he promised to us before we made a payment. And also something seems very fraudulent about the entire transaction. The online portal only reflects the {$750.00} payment and not the {$600.00} payment. Once we started to ask questions XXXX puts us on hold and said his manager was typing up a letter that shows the debts not paid in full but satisfied. After we hung the call up, we received a phone call back from XXXX and he stated he was trying to collect a debt??? We stated to him we just settled a debt so how u calling back as if we didnt just settle for XXXX. That was very unsettling because wouldnt there be account notes that would show we just settled. Something about the entire transaction just seems fraudulent. We have the phone call recorded for our protection because money is involved. National Credit Systems updated our credit report and the listing done reflect what he told us it would or not even removed. It says we owe {$1600.00} from {$2300.00}. We paid XXXX so what happen to the other payment of {$600.00}? Something seems very fraudulent about their collection practices and we want this removed from our credit and the correct documentation as we were told we would receive.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (MI)

So on XXXX my account started getting charged from random sources for cash apps and gas and other things which ended up coming out to XXXX $ so I filed a complaint with my bank to reverse the amount that was charged over and over from different sources so it ended up making my account negative I reached out to CREDIT KARMA MONEY they actually didnt give me my money back I put in multiple disputes and they didnt honor it due to my account being compromised and closed my dispute now trying to close my account because of the fraudulent matter it cause me to go in negative for over XXXX days I waited XXXX days for them to finish the investigation just to hear its closed but didnt give me a reason they denied my dispute even tho none of the transactions were authorized by me
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SoLo Funds Inc. (FL)

I want to file a complaint against solo funds I had {$4000.00} in my wallet and they took it away and it has now been over 24 hours I want to sue for the trouble. Please shut down this businesses down completely to prevent other consumers from being scammed by them. The receipt attached shows they took {$4000.00} out of my account without my permission
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NC)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2023-11-14
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. (MI)

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 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (RI)

I had fraudulent activity on my cashapp account. I disputed the transactions and closed my account at the same time. Cash app sent me an email stating the dispute had been resolved and the money was returned to my cash app accountbut my account had already been closed. So where is the {$400.00} that shouldve been sent to me? I contacted cash app who told me they have no clue where it wouldve gone, but maybe my states unclaimed money would get it eventually for me to claim it. I would like the {$400.00} sent to me in a way that I can access.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (AZ)

Complaint Against Payward Inc. DBA Kraken Exchange Issue : Lack of Working Support and Unresolved Account Issues Details : I have experienced significant difficulties with Payward Inc. DBA Kraken Exchange . Specifically : Support Phone Numbers : None of the support phone numbers are functioning. Calls are either unanswered or met with prerecorded messages instructing me to use the chat function. 
Chat Support : Despite daily attempts to resolve my issues via the mobile app chat function, responses are generic and unhelpful. They include phrases such as " rest assured '' and " we will be with you asap. '' I have received no ticket confirmation or proof of my support requests for over two weeks following my initial ACH transfer. 
Account Verification : I received a template response asking for information I had already provided, including proof of residence and citizenship, weeks after my account had been verified. Despite submitting my passport again as advised by chat support, I have received no further communication. Additionally, my documentation was marked as " redundant '' in the upload section after review. 
Account Restrictions : My only interest is in purchasing cryptocurrency and transferring it to my private wallet. Initially, I was informed this would not be possible for 72 hours, but this period has now extended to three weeks without resolution. 
Request : If Kraken Exchange does not wish to continue business with me, I request that my funds be returned to my bank account and my Kraken account be closed. I have made three transfers totaling nearly {$1200.00} and have had no issues with other exchanges using the same documents and bank account. 

Conclusion : The lack of responsive support and unresolved account issues are unacceptable and feel akin to theft. I seek a prompt resolution to return my funds and close my account. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (GA)

I am writing to file a formal complaint against Exeter Finance regarding their handling of my auto loan for a XXXX  XXXX XXXX, account number XXXX. The issues with this loan include predatory lending practices, excessive and potentially illegal finance charges, and failure to resolve disputes appropriately. 

Background and Issues Excessive and Predatory Finance Charge The finance charge on my loan was {$26000.00}, which is higher than the amount financed for the car, which was {$23000.00}. This finance charge, when combined with the Annual Percentage Rate ( APR ) of 28 %, is exorbitant and indicative of predatory lending practices. It is unreasonable and unjustifiable to charge such an excessive finance charge, especially when a co-signer with good credit was involved in the loan agreement. 
Potentially Illegal Down Payment Practices The contract indicates a down payment of {$5000.00}, which is said to include a trade-in allowance. However, there are inconsistencies and potential illegal practices regarding this down payment. Specifically, it appears that the down payment may never have left the dealership, suggesting deceptive practices to inflate the loan amount unnecessarily. 
Violations of Usury Laws While I understand that Georgias usury laws allow for certain higher interest rates on larger loans, the combination of a 28 % APR and a finance charge that exceeds the amount financed significantly violates the principles of fair lending. This is especially concerning given that the co-signer should have provided additional security, typically resulting in lower interest rates. 

If these issues are not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Department of Banking and Finance, and seeking legal counsel to explore further actions against your company for predatory lending practices and violations of state and federal laws.