davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, I am writing to address significant inaccuracies in the information reported by your agency. As a consumer, I am alarmed by the blatant negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, you are obligated to provide a full description of the reinvestigation procedure used to verify these disputed items, including the business name, address, and contact number of any furnisher of the disputed information. You are hereby given XXXX  days to respond with the requested information. Failure to comply with this demand will result in further action, as permitted by law. Despite my prior communication, which clearly stated that I am a victim of identity theft, and despite my FTC report ( enclosed ), your agency has failed to block and remove the disputed items from my credit report within the XXXX business days mandated under 15 U.S.C. 1681c-2 ( c ) ( a ). This continued reporting is not only misleading but is a clear violation of the FCRA, and I demand immediate corrective action. 

Below are the disputed accounts that remain improperly listed on my credit report : XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. This section prohibits debt collectors from communicating with consumers in certain circumstances, including when the consumer has requested that communication cease or when the consumer is represented by an attorney. Despite my clear request for no further communication, I continue to receive repeated and intrusive contact from [ XXXX XXXX XXXX XXXX XXXX. This not only violates my rights under the FDCPA but has also caused me significant distress. I kindly ask that your office look into this matter and take appropriate action to ensure compliance with the law. I appreciate your attention to this important issue and look forward to your response. Thank you for your assistance.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

In response to a debt validation request I submitted to LVNV Funding LLC, c/o Resurgent Capital Services , the company provided documents that do not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). The documents included a statement indicating that a last payment was made on XX/XX/year>, with a charge-off date of XX/XX/year>. However, an account summary they provided shows a different last payment date of XX/XX/year>, without any corresponding statement to support this claim. This discrepancy raises significant concerns about the accuracy and legitimacy of the debt information. 

Furthermore, the documentation provided did not include the original signed promissory note or any other documentation directly from the original creditor, XXXX XXXX, proving that I agreed to the terms of this debt. Despite my request for proper validation, LVNV Funding LLC and Resurgent Capital Services have failed to provide sufficient evidence to substantiate the debt. 

In addition to these discrepancies, the original creditor, XXXX XXXX XXXX, has an arbitration agreement that requires any legal disputes to be resolved through arbitration rather than court proceedings. This agreement includes specific terms, such as a 60-day notice requirement before initiating arbitration, waivers of class action and jury trial rights, and a requirement that disputes be resolved individually and through final and binding arbitration. 

Given the failure to provide proper validation and the inconsistencies in the documentation, I have formally requested that Resurgent Capital and LVNV Funding LLC cease all collection activities and remove the account from my credit report. However, the company has not yet complied with this request. 

As a result, I am filing this complaint to seek assistance in ensuring that LVNV Funding LLC and Resurgent Capital Services cease any further collection activities related to this disputed and unvalidated debt and that the inaccurate information is promptly removed from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I connected with XXXX XXXX on XXXX, a friend of a friend selling XXXXXXXX XXXX tickets. I sent money via XXXX to purchase the tickets and sent {$200.00}. I did not receive the ticket because the seller said they needed the full price before transferring to protect themselves. I sent {$200.00} and they still did not send me the ticket. He said if I wanted XXXX I needed to send the full amount. I sent another amount of {$400.00} and thats when I realized I had been scammed. This account was hacked and this person didnt really have the tickets. When sending money on XXXX, it went into an account of XXXX XXXX. Wells Fargo said the transactions were my fault and I should have known better.
Consumer complaint received 2024-09-11
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. (OH)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PAY-O-MATIC (NY)

To whomever it may concern, on XX/XX/year> I went back to explain to another agent at Pay-O-Matic money services at XXXX XXXX XXXX XXXX NY XXXX that the female agent would not send money for me because she said ioffended her and as I remembered I only expressed myself without any profanity and threats and I only told her you must not be very happy today and your having some personal problems and I walked away, but she lied in front of me and the male agent that I threatened to slap her. So the male agent told me to not come back to the business only when he's present. But I don't agree with having to work around her schedule to avoid her and I believe I should be able to go there anytime I want to receive service. It's like she's controlling the existence of my personal life... please help me to resolve this location problems that they have given me.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally request the removal of an unauthorized account from my credit report due to a recent data breach that compromised my personal information. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account blocked and deleted from my credit report. 
Unauthorized Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX. 

This is not my account this is a case of fraud I have not given my written or verbal consent to anyone approving the purchase of anything tht has defaulted into collecting I'm a extremely responsible borrower and this is not my account please remove
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX, I applied for and became an American Express Gold Card member. I specifically chose this card because of the advertised sign-up offer of XXXX points if I spent {$6000.00} within the first 6 months. Additionally, the cards ability to earn rewards for food and dining out was a significant factor in my decision. 

Recently, I reviewed my account and realized that the sign-up offer had not been applied. On XX/XX/XXXX, I contacted American Express support through their chat feature to inquire about the missing rewards. In the communication ( attached ), I asked why the offer had not been applied, and I was informed that I didnt qualify for the offer. However, when I requested further details or an explanation, the support representative was unable to provide any specific reasons. 

Based on how the offer was advertised, I firmly believe that I met all the requirements for the XXXX sign-up bonus. Therefore, I am requesting that American Express honor the original sign-up offer and credit my account with the XXXX points.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2024 I went to the bank with {$5000.00} in cash to deposit into an atm at the XXXX location of Wells Fargo in XXXX Mn. I put the money in the atm and it miscounted. It only counted XXXX separate transactions of {$1000.00} and {$110.00}. I told the teller this was incorrect and she had me call customer service to file a claim. I received a provisional credit of {$4000.00} on XX/XX/XXXX, but after receiving a letter saying that I was in the wrong and they took the credit back on XX/XX/XXXX.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Last month I noticed XXXX XXXX XXXX has placed a account in collections on my credit report. I have never authorized a account to be opened or initiated with XXXX XXXX. XXXX XXXX has failed to verify the authenticity of this account. I also reported the inaccurate reporting to XXXX by mail and phone and website. They have failed to verify the inaccurate information or remove from my credit report.
Consumer complaint received 2024-10-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (HI)

On XX/XX/year>, at approximately XXXX p.m., our business, XXXXXXXX XXXX XXXXXXXX XXXX, experienced a system failure with the Clover gift card service. Since that time, we have been unable to process, sell, or verify gift card balances. This has caused significant disruption to our operations, resulting in financial loss and customer dissatisfaction. 

Since the onset of this issue, we have contacted Clovers support team daily, but despite our persistent efforts, the issue remains unresolved. We have escalated the matter to Clovers senior management, yet no clear timeline or solution has been provided. As of today, we are still unable to access vital gift card data or process customer gift card transactions. 

This situation has affected our customers ability to use their gift cards, and it has harmed our businesss reputation. Customers have been frustrated, and we are unable to offer them any immediate solutions because the system is entirely dependent on Clovers functionality.

We are seeking assistance in resolving this issue and ensuring Clover takes prompt action to fix their system and provide compensation for the losses incurred due to this prolonged outage.
Consumer complaint received 2024-10-15
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. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-28
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: REGIONS FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have been on the phone trying to freeze my credit with Experian for XXXX hours. XXXX. HOURS. Their automated system just keeps me in a loop of trying to verify who I am and when i try any and all methods of getting to a representative so i can get it sorted it says it cant transfer me. There is no way to get to a rep. Unless you are a lego brick that fits in their special little automated system they want nothing to do with you. XXXX? XXXX? took me less than XXXX min each to get freezes added. 

Experian is being negligent in not allowing people to easily reach support staff when the poorly designed phone and web tools fail. I dont anger easily. I know the world is full of phone systems but this was maddening. For something so important as freezing your credit score because of all the breaches and they wont let me talk to someone? its insulting.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-31
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ACIMA CREDIT, LLC (IN)

On XX/XX/year>, we purchased a couch from XXXXXXXX XXXX XXXXXXXX for the amount of {$2300.00} through a contract agreement. There was an initial payment of {$52.00} another payment of {$230.00}, 7 days later. The contract agreement had an early pay off option of 90 days which we attempted to utilize through the mobile app. The mobile app had a button to pay purchase amount of {$2000.00}. To the total {$2300.00} on XX/XX/year> more than the amount agreed upon for the couch. Also of note we had set up auto pay for the account to make up bi-weekly payments until we did the 90 day early payoff. Also there was a separate payment in store at XXXXXXXX XXXX XXXXXXXX to cover taxes. 

No payments had been taken out of the account until {$36.00} on XX/XX/year> and bi-weekly amount of {$220.00} in processing. When we checked the account the previous payment was list as " Prepaid '' instead of the pay off purchase we were told/sold at this time Acina is expecting payment of another {$1700.00} + tax totaling over {$5500.00} for a COUCH! We followed the instructions of XXXXXXXX XXXX XXXXXXXX exactly but they have set up their system to lock people into ridiculous " rental '' accounts '' with no realistic way to execute the cash price payoff. The execution of this contract agreement is predatory and we refuse to pay any amount more than the cash price of the couch that was agreed upon.
Consumer complaint received 2024-09-11
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.