davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report. with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report.

- 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OK)

I withdrew XXXX ( XXXX ) to XXXX XXXXl but XXXX XXXX deemed it " unclaimed '' so i cancelled the transaction in XXXX XXXXl because i didn't know " unclaimed '' meant still " processing ''. Now my money is stuck somewhere and XXXX XXXX  says they can't help me because its a cancelled transaction. That since it was cancelled it would be returned to the sending account 1-3 business days. It's been XXXX. Cash app says to contact XXXX XXXX  but thats not doing anything but sending me right back to you because the transaction was cancelled. Do you UNDERSTAND ME? IT WAS CANCELLED FIGURE IT OUT! REGARDLESS OF IF THE TRANSACTION WAS SENT SUCCESSFULLY AND NO ERROR OCCURRED THE TRANSACTION WAS CANCELLED SO WHAT ARE THE PROCEDURES WHEN A TRANSACTION IS CANCELLED IN XXXX XXXX AFTER BEING SENT FROM CASH APP SUCCESSFULLY? I HAVE WASTED 55 DAYS GOING BACK AND FORTH AND HEARING THE SAME THINGS FROM Y'ALL. DENYING MY DISPUTES WHEN I HAVEN'T DISPUTED THE TRANSACTION AT ALL SO IT SENT NO ERROR WHO CARES IF IT SENT NO ERROR IT WAS CANCELLED! WHAT HAPPENS AFTER IT WAS SENT SUCCESSFULLY AND NO ERROR OCCURRED IF IT WAS CANCELLED?
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my XXXX, XXXX and TransUnion consumer report, and it has come to my attention that the company is reporting my transactions with their company to the consumer report. 

XXXX XXXX XXXX LATE PAYMENTS : XX/XX/2022 ACCOUNT # XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. 

Did I give you written instructions to furnish this on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX is in violation of 15 USC 1681.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX Lawn XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Subject : Request for Copy of Form 1099-C Dear LVNV Funding LLC I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus. 

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it. 

Here are my details for reference : Full Name : XXXX XXXX Account Number : XXXX Social Security XXXX Date of Charge-Off/Collection : XX/XX/year> I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX XXXX once again did not allow me to dispute using typing form but to call. It is inconvient and I wd prefer to use typing form to file a dispute. The XXXX lowered my score ny 19! It was Bank of America s fault and like I said before XXXX did have the access to my XXXX XXXX XXXX XXXX XXXX but they dont bother to look but reported on what bank reported. I closed the acct with Bank of America is because of their corrupted lies. I was never late! Was late for first time in XX/XX/2019 only and it was not my XXXX fault! Secondly, XXXX lowered the score just because I closed the acct. See attachments. The reason why I closed is because of BOA s corrupted lies and false info.
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (IL)

On XX/XX/2019, I opened a new netspend account at my local XXXX XXXX check cashers and they notified that I would not be receiving a card and it would come in the mail. I loaded the account with {$1000.00} and that same day I checked my online banking {$960.00} was drained out of my account with a XXXX purchase not even in my area. I immediately called to dispute the charge. I was told multiple times but netspend employees that I would receive a credit on XX/XX/XXXX or even soon. I called multiple times and was then told XX/XX/XXXX is the exact day I would be credited. On the XXXX, no money was credited. I called and they told me they could not credit me the money hackers stole from me. I am so upset by this as it seems like banking security has just gone down as a whole. I was not able to pay my rent and me and my kids might have to go out on the street. I was not able to buy groceries and XXXX presents that I had promised them and XXXX was ruined. Netspend has by far the worst customer service I have ever received. I am so upset because I was told when I opened the card that my prepaid netspend debit card was protected against fraud and unauthorized charges. I have never made the unauthorized charge in question and I think I am dealing with criminals that can spoof their number to appear like mine. I also suspect the tellers at the XXXX XXXX   location are somehow involved. I just want my money back, I cant believe my money was stolen right out of my account like that. Please help.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Copy of Form 1099-C Dear : Macy's/CBNA, I hope this message finds you well. I am writing to request a copy of the IRS Form 1099-C for the cancellation of debt related to the charge-off/collection account under my name, reported to the credit bureaus. 

I have noticed this account reflected on my credit report, and I would like to have all necessary documentation, including the Form 1099-C, which should reflect the cancellation of the debt. If this form has already been issued, kindly forward a copy to me at your earliest convenience. If it has not yet been filed, please provide a timeline for when I can expect to receive it. 

Here are my details for reference : Full Name : XXXX XXXX Account Number : XXXX Social Security Number : XXXX Date of Charge-Off/Collection:XXXX I would appreciate your prompt attention to this matter and look forward to receiving the requested document as soon as possible. Please feel free to contact me if further information is required to process my request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Open status for collections is an inaccurate reporting. A collection can not be reporting as " LATE or " OPEN ''.

15 U.S.C. 1681s-2, also known as Section 623 of the Fair Credit Reporting Act ( FCRA ), outlines the responsibilities of entities that provide information to consumer reporting agencies ( CRAs ) : Accuracy : Furnishers must not provide information they know or have reason to believe is inaccurate.

Correction : Furnishers must correct or delete inaccurate information.

Updates : Furnishers must update information. 
Disputes : Furnishers must respond to consumer disputes. 

another key point is that I never had a contract with this company. This debt is considered invalid.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (TN)

IN REFERENCE TO THIS ACCOUNT LISTED BELOW : NCB Management I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 
3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 
FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE. 
2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 
WITHOUT PREJUDICE. 

This company has not provided me any of this information in a timely manner.
Consumer complaint received 2024-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MN)

Burdensome and timely process to get private mortgage insurance cancelled. They could have emailed me information, but instead took 4-6 weeks to mail me a simple letter stating that 1. Send a check for A brokers price opinion 2. The cost is {$150.00}. I have to mail a check taking another 7-10days. I have no idea how long it takes them to line up the appraiser, and when they get it back they have another 30 days to mail me the answer. All in, about 3 months to get {$40.00} PMI dropped as my home value rises. And its not automatic when the loan to market value is less than 80 %.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (NE)

I was approved for a card and my first card was supposedly mailed on XX/XX/year> and after my card never arrived in the mail i called them on two occasions and on the first occasion they said it takes 7 to 10 days to receive the card but after waiting and waiting on the 2nd occasion they claimed it takes up to 15 days. I never received the card and emailed them to tell them that i never received it so supposedly they mailed me a 2nd card on XX/XX/year>. It is now XX/XX/XXXX and no card is coming so i called and closed the account. 15 days is beyond a reasonable time to wait for a card and my instincts tell me they are doing this to many customers to make their numbers look good. It's a scam. I called them and had them close my account as i don't want to deal with scammers or companies that are not on the up and up. They have no tracking numbers or way to track these cards? What a crock.
Consumer complaint received 2023-11-11
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. (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 2023-06-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

MY bank USSA is telling me that, I am responsible and liable to pay a vehicle loan I had taken out on XX/XX/2023 for XXXX to purchase a vehicle, a vehicle I never received from the dealership and do not have. the dealership committed fraud and filed for bankruptcy 3 days after receiving full payment from the bank on XX/XX/2023. I never received the vehicle nor was it ever in my possession. the bank wired the full payment to dealership account and didnt secure lien on this vehicle. The bank dont have the title or a lien hold on this vehicle. The bank did not secure the lien and dose not have the vehicle as collateral. So they are saying I am responsible even though the dealership breach of contract and breach of the New Hampshire Consumer Protection Act. That I am still at fault for the dealerships crime. The bank said Because the contract was with me and not the dealership I am responsible. I dont see how I would be at fault to pay back the loan. I have no vehicle and the bank has no collateral or Title on the vehicle. The bank doesnt own this vehicle because the lien was never secured on the vehicle I was trying to purchase.

I called USSA Numerous times to inform them about the dealership fraudulent scam so that we can collectively go after the dealership so they could pay USSA back. But USSA did not look into the situation even after I provided them with all the Documents.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (GA)

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 2023-11-11
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 2024-10-02
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. (PA)

RE : Dispute of Unvalidated Debt Account Number : XXXX ( XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy of an entry on my credit report. The entry in question pertains to an alleged debt reported by XXXX XXXX XXXX on behalf of XXXX, referenced by account number XXXX. 

After requesting validation of the debt from XXXX XXXX XXXX, I have found that they failed to provide sufficient evidence that the debt is valid. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), a debt collector must cease collection efforts if they are unable to validate the debt, which includes reporting the debt to credit bureaus. 

Despite my request, XXXX XXXX XXXX has not provided : A signed agreement or contract proving that I am responsible for the alleged debt. 
Documentation confirming their legal right to collect on behalf of XXXX. 
As this debt has not been validated in accordance with FDCPA requirements, its reporting to the credit bureaus violates 15 U.S. Code 1692e ( 8 ), which prohibits the communication of false or misleading information to third parties, including credit reporting agencies. 

I respectfully request that you immediately remove this unvalidated account from my credit report as it is inaccurate and unsubstantiated. I have attached supporting documentation, including my correspondence with XXXX XXXX XXXX, to assist in your investigation. 

Please notify me in writing once the account has been removed. I trust that you will handle this matter promptly to ensure the accuracy of my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

Thank you for your attention to this important matter. I look forward to your timely response. 

Sincerely, XXXX XXXX [ Enclosures : Copies of correspondence, documentation ]