davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (NC)

I moved out of an apartment complex in XXXX. I received a call from Rent Recovery Solutions on XX/XX/XXXX stating that I owe the apartment complex {$190.00}. The apartment complex never contacted me regarding a bill due, by mail, email, or call. I have been in contact with the leasing office for months after moving out and was never made aware of any money due. They sent the bill to a debt collector that has been calling to take a payment for the bill. Rent Recovery Solutions has a website and you can make payments on there so I tried viewing my account and it does not show up when putting my information in. I did not submit my SSN but that is one of the options. I had trouble so I contacted an agent and they said I can put my SSN in and it will pop up but I refuse. The company has horrible reviewing saying it is fraudulent. The agents are rude and manipulative as well. The apartment complex, XXXX XXXX, in XXXX, NC should also be found liable because they never contacted the residents. I would like the know the status of the company. The leasing office says I owe a water bill months after moving out.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd 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 2024-09-06
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. (MD)

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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, EXPERIAN XXXX XXXX ALLOWED XXXX XXXX TO REPORT MY ACCOUNT AS A CHARGE OFF WITH A BALANCE DUE. 

XXXX, AND EXPERIAN ALLOWED DEPT OF ED TO REPORT MULTIPLE ACCOUNTS HAVING 9 LATE PAYMENTS WHEN XXXX IS REPORTING 0 LATE PAYMENTS. 

XXXX, EXPERIAN & XXXX ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX AS BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX EXPERIAN XXXX XXXX ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX, EXPERIAN XXXX XXXX REPORTED MISSED PAYMENTS ON THE XXXX XXXX XXXX ACCOUNT XXXX. 

XXXX IS REPORTED XXXX  AS REVOLVING ACCOUNT BUT THE ACCOUNT IS NOT LISTED ON EXPERIAN OR XXXX. 

THESE ERRORS ARE ILLEGAL AND UNETHICAL. PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY.
Consumer complaint received 2024-08-29
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. (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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX and 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

They never sent the periodic statement along with the disclosures from section XXXX ( 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 to rule XXXX 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 2024-08-29
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. (TX)

I am seeking your help to address the incorrect account listed on my credit report. This issue has negatively impacted my reputation, and I require your support. Due to your errors in handling my credit report, my reputation has been severely harmed. It is crucial that you remove these inaccuracies so I can live normally with my family.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

SoFi is refusing to release money I received from my insurance company for damages caused by XXXX XXXX. I need this money to replace my roof. My home and my family are now at risk of sustaining even more damage as hurricanes continue to ravage my area. On XX/XX/year> I deposited a check from my insurance company for {$4700.00} into my SoFi checking account to replace my roof after XXXX XXXX. My insurance company confirmed that the check was cleared by SoFi on XX/XX/year> and the amount is visibly shown in the app but the funds were never deposited into my account. I called to request an update and was told that a security representative investigated my deposit, claimed that my check was bad, accused me of violating their terms of service and said that they are restricting and closing my accounts. I provided SoFi my insurance claim documents, emails from my insurance company confirming that SoFi cleared the check, informed them that I still have the original check and offered to provide several additional documents verifying the authenticity of the transaction. They are still refusing to explain anything, reinstate my account, allow me access to my funds or return the money to my insurance company so that they can issue me a new check to replace my roof. SoFi 's refusal to resolve this is a serious problem and puts my home and family at risk.
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

Dear Sir/Madam, on XX/XX/year> I reached out to Coinbase and they responded through their virtual assistant and an agent to my enquiry on whether I would be able to withdraw immediately if I bought XXXX on Coinbase the same day and both responded that yes I would that their existed no restrictions to immediate withdrawals. 
Today the XX/XX/year> I bought {$4100.00} worth of XXXX XXXX and wanted to withdraw them to make payment on an account that generates income for me daily and I was informed that I would only be given access to my funds on the XX/XX/year> by XXXX, I am currently XXXX 
I reached out immediately to their help desk informing that these development was contrary to the representation I was given before transacting. I trade and use these XXXX to earn a living and as a result of their breach of contract I lost my business income today and based on the date they told me I would have access to the XXXX I bought, I would lose an entire week 's income, my trading account would be delinquent for 7 days and my credit rating would be negatively affected. I pointed out all these damages I would suffer as a result of the breach of contract from their end but they refused to listen to me stating it was their policy to put an account on hold for customer protection which I find to be extremely dishonest. 
Kindly use your good office to help prevent a law abiding, hard working tax paying, US Citizen to suffer monumental damages and losses due to the flagrant breach of contract by Coinbase. 

Thank You
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American First Finance, Inc. (LA)

On my XXXX credit report it is reporting as a charge off account. However I never received the 1099 to add to my tax information as if the account is reporting charged off that means the debt was filed as a loss on the companys taxes.
Consumer complaint received 2024-08-29
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. (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 U.S.C. 1681. 
Office of the attorney general 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 XXXXXXXX 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (GA)

Here Iam writing about another company who have lowered my credit limit and then wants to justify why they did it if I did not ask for more credit then dont extend me any I was fine with what you extend from day one. I am not a big spender and I like to pay off what I have before I just spend spend. And so what I have a balance on other cards. Thats not any of your business. As long as i pay my bill with your company you dont worry what I chose to do with my personal finances. You are invading my personal finances and as a long time customer I expected better from my bank to not system XXXX  credit profile me. Because that is what you creditors do and its not fair and right it should be illegal. And make changes to your privacy policy so that you can work the system how you feel fit. I may not pay my bill in full every month but I do on time.
Consumer complaint received 2024-09-23
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. (LA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am in disagreement with this XXXX XXXX XXXX XXXX account after the investigation.In my dispute, I disputed the amount and payment history reported in my file, I contacted the company back in XX/XX/year> and again in XX/XX/year> and the response has been the same THEY DONT HAVE RECORDS OF THIS ACCOUNT and its still reporting on my credit.

In accordance with the fair credit reporting Act only properly and validated information is supposed to be reported in your credit report.

This account needs to be removed from my credit report immediately.Please delete the account since they don't have any such record and send me an updated credit report.
Consumer complaint received 2024-10-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an AMEX digital gift card from a friend. 
The gift card was a Resy-branded American Express gift card delivered electronically.

Advertising for this gift card says that it can be used virtually everywhere American Express Cards are accepted in US. 

I have found that it is virtually not possible to use this anywhere. XXXX, XXXX, and even XXXX 's online payment system do not accept this card. Amex Gift Card customer service phone line ( automated phone answers only and no human agent ) answers the question on this issue with the fact that online purchases can only be made with businesses that do not require the billing zip code. I so far can not find any businesses that are willing to accept a card that does not have a billing zip code. I also do not have a physical card, so can not seem to use this in other merchants. 

Everytime I try these vendors, there's a pending transaction of 10 cents that is returned after several days. I have spent more time trying to figure out how to use this card with extensive online research and a review of their FAQ -- which describes additional places where this gift card may NOT be used versus where it can be used. Without the physical card, and without the ability to register this card on resy.com as my payment method, I also have no idea how to leverage their own online instructions to use this gift card at a XXXX restaurant -- where this gift card is branded off of -- by paying using their " QR '' code.

I will keep trying, but it seems like AMEX does not want gift card recipients to ever utilize the amount that was meant to be used by the gift giver. This is an absolutely horrible experience by AMEX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE