davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX of 2024 Venmo froze my account due to " suspicious activity. '' I had just received funds in the amount of {$50.00}. and all the sudden it was flagged. The email from Venmo stated, that it was four identification purposes. So, I complied and sent them my identification. 

Fast forward to XX/XX/year> I get an email stating that my account has been successfully unfrozen. On XX/XX/XXXX of 2024 I log in and see that my account is suspended now. I open the email from Venmo and it states the same thing it did last time. Due to suspicious activity. And that I needed to upload an ID once again. 

I called customer service and they did nothing to help me. All they did was say that it would be sent to an account specialist. And it could be up to 1 to 5 business days. I can not withdraw my funds until this is resolved. I stated to him that I had already uploaded my ID and I don't know why my account is suspended hey did nothing in return.
Consumer complaint received 2024-06-19
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. (FL)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
ALLY FINCL - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX - XXXX - I was never late on this account. 
XXXX - XXXX - XXXX XXXX Code XXXX - False or misleading representations PLEASE DELETE NOT MINE Unknown - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE INQUIRY - XX/XX/year> - The following inquiry was not authorized and should not be reporting. - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (GA)

This is not a duplicate. 
The previous complaint is for incorrect credit reporting. This complaint is for intentional miscalculation of payments. These are 2 separate issues and fall under 2 separate categories. 

On XX/XX/year> a XXXX XXXX bankruptcy was filed, in which the courts reduced the interest rate on the vehicle to 6 %. Instead of Global Lending Services adhering to the courts imposed interest rate of 6 %, they continued to apply interest of 16 % to the loan. This intention miscalculation has after receipt of {$4100.00} from the bankruptcy trustee from XXXX on a loan of {$12000.00} to reflect a payoff of {$10000.00}. The trustee calculated the principal balance should be that of {$7900.00}. The lender has intentionally ignored the court implemented interest rate to defraud, keeping the principal balance high, in an attempt to collect thousands more than owed.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americor Funding, LLC (TX)

Americor withdrew $ XXXX as part of a debt resolution. When they decided to instruct me to open a loan, the {$3500.00} I had paid towards my debt was not returned to me. They said it was their fee to keep.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

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. 

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!
Consumer complaint received 2024-06-21
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. (OR)

Dear CFPB, I am writing to file a complaint regarding inaccuracies in my credit report with the XXXX major credit bureaus. Despite my efforts to resolve these matters directly with the respective creditors, the inaccuracies persist. 

Please find the details of my disputes below, along with the resolution I am seeking for each account : XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account is reporting a late payment for a period when the account was in deferment. I was not responsible for this late payment as the company assured me that the payment status would be updated to " paid on time '' due to their error. This correction has not been made. 
Resolution Requested : Please update the payment status to " paid on time. '' XXXX ( Original Creditor : XXXX XXXX ) Dispute Reason : I have no knowledge of any collection account with this company. The original creditor, XXXX XXXX, was paid in full prior to any collection activity. Therefore, this collection account should not appear on my credit report. 
Resolution Requested : Please delete this account from my credit report. 
XXXX XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account has been reporting inaccurately and I have disputed it multiple times. The balance continues to increase monthly, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) as collections are not supposed to incur additional fees. Furthermore, no proper verification documentation has been provided by this company or the credit bureaus. 
Resolution Requested : Please delete this account from my credit report. 
I have attached copies of my identification and Power of Attorney ( POA ) for verification purposes. Your assistance in resolving these matters promptly would be greatly appreciated. Please confirm receipt of this complaint and provide me with an update on the actions taken to correct these inaccuracies. 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Above Lending, Inc. (IN)

I have been a customer with XXXX XXXX since XX/XX/XXXX, using your services to pay off a loan from a debt settlement. I am writing to you to seek urgent financial assistance and a flexible payment plan due to my current financial hardship. 

Since XX/XX/XXXX, I have faced significant challenges due to the rapid inflation in the economy, resulting in skyrocketing prices for rent, gas, and food. During this period, I was underemployed and eventually became overextended. Although I received a short-term hardship arrangement for 90 days, my situation worsened when I lost my job in XX/XX/XXXX. I was on the verge of securing a higher-paying position, but the offer was rescinded on a technicality. 

From XX/XX/XXXX to XX/XX/XXXX, I had no income and, despite my difficult circumstances, XXXX XXXX refused to work with me. My unemployment benefits provided only {$130.00} per week, leaving me behind on rent and utilities and nearly homeless. Despite these hardships, XXXX XXXX remained inflexible. 

Recently, I began receiving XXXX  benefits amounting to {$1800.00} per month, but my rent alone is {$1300.00}. While I have been actively seeking employment, I have not yet secured a new job. Despite these challenges, I have made payments as often as I can, as detailed below : - XX/XX/XXXX : {$150.00} ( Completed ) - XX/XX/XXXX : {$250.00} ( Returned ) - XX/XX/XXXX : {$200.00} ( Completed ) - XX/XX/XXXX : {$150.00} ( Returned ) - XX/XX/XXXX : {$50.00} ( Completed ) - XX/XX/XXXX : {$43.00} ( Completed ) - XX/XX/XXXX : {$140.00} ( Returned ) - XX/XX/XXXX : {$300.00} ( Completed ) - XX/XX/XXXX : {$70.00} ( Completed ) - XX/XX/XXXX : {$120.00} ( Completed ) Despite my efforts, XXXX XXXX has been rigid and unwilling to acknowledge my dire situation and unforeseen circumstances. As a result, my credit report has been significantly damaged. I can not afford payments over {$100.00} per month at this time. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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: EQUIFAX, INC. (FL)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

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

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-17
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 (SC)

On XX/XX/XXXX my Apple Card ( XXXX original card number before it was changed ) was charged {$100.00} by XXXX. This charge came from an XXXX account I don't have access to. It belongs to my ex-wife, XXXX XXXX. A different card was used in XXXX for the annual subscription and when that card didn't work they used my Apple Card. I didn't know my card was even setup to be used. 

On XX/XX/XXXX I called XXXX and asked for a refund. They said they would refund me, but they never did. I called XXXX again and they told me that because more than 15 days had passed their system would not do the refund. 

On XX/XX/XXXX I disputed the change with Apple worried that XXXX wouldn't issue the refund. 

On XX/XX/XXXX Apple denied my dispute and put the charge back on my card. I requested an appeal and they removed the charge while they investigate. 

On XX/XX/XXXX Apple denied my dispute. I requested an appeal and they removed the charge while they investigate. 

On XX/XX/XXXX Apple denied my dispute. I requested an appeal and they removed the charge while they investigate. 

In all cases I was never told why they denied my dispute. The people I spoke to on the phone couldn't answer my questions and I never could speak directly to the those responsible for investigating disputes. 

Thanks, XXXX
Consumer complaint received 2024-06-03
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. (AL)

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.

has violated my rights. Or a list of inquiries : 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 2024-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (WV)

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with LVNV FUNDING LLC, they did not provide me with the original contract as I requested. 

Aside from verification of the debt, I am asking that they do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.
Consumer complaint received 2024-06-03
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. (AL)

I downloaded my credit report from Clarity Services. After reviewing my report, there are XXXX fraudulent names and addresses on my report. There is a XXXX XXXX with a date of XX/XX/XXXX and XXXX XXXX with a date of XX/XX/XXXX. There is a date of birth on my report for XX/XX/XXXX and my actual birthdate of XX/XX/XXXX. I was not born on XX/XX/XXXX. There are XXXX addresses to XXXX different states that I have never resided in : XXXX XXXX XXXX  XXXX Mt XXXX with a date of XX/XX/XXXX and XXXX XXXX XXXX XXXX MA XXXX with a date of XX/XX/XXXX. It has me as owning a home on XX/XX/XXXX and I have never owned a home. It has an unknown housing date of XX/XX/XXXX and a rent date of XX/XX/XXXX which would be accurate because I have been renting for over XXXX  years. It also lists a telephone number of XXXX, and XXXX, XXXX numbers that I have never had or know where they are located. It has an email address that I am not familiar with or ever had as XXXX with a date of XX/XX/XXXX
Consumer complaint received 2024-06-21
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. (NM)

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 2024-08-29
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. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-03
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. (WI)

Upon reviewing my consumers report, i noticed a few accounts listed that I've never been associated with. I don't know who these companies are that are reporting nor have i EVER given anyone my personal information. Here are the accounts : XXXX XXXX- {$7900.00} balance, posted on XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX XXXX- {$21000.00} balance, posted on XX/XX/XXXX Acct # : XXXX XXXX XXXXXXXX {$22000.00} balance, posted on XX/XX/XXXX Acct # : XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-08
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC (IL)

XXXX XXXX  sued me to collect on debts I owed it for three accounts : two credit cards and a personal loan. They made a settlement offer, which I accepted. In exact accordance with their settlement terms, I paid the settlement amount in full on or about XX/XX/year>. Since then, I have repeatedly requested acknowledgement of this payment of full. They have ignored my repeated requests. 

In the meantime, I am expected to appear in court in XXXX XXXX XXXX on XX/XX/XXXX. Without proof that I have paid off this settlement, I will be greatly harmed if the Court enters a judgment against me.
Consumer complaint received 2024-06-03
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. (NC)

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 2024-06-12
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: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.