davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

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. Here are the accounts, Self Lender XXXX, XXXX XXXX with one late payment on XX/XX/year>. 
I looked at my XXXX credit report on XX/XX/year> and notice some things are incomplete and also not accurate and according to the Fair Credit Reporting Act. Whenever consumer report agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( E ) ( b ) and according to 15 USC 1681S they are supposed to do this, treatment of an accurate or unverifiable information. Also, XXXX credit reported agency violated rights from the Fair Credit Reporting Act U.S.C. 1681i ( 1 ) ( A ), ( 5 ) ( A ), U.S.C. 1681S ( a ) ( 1 ) ( a ) and ( b ).
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Roadrunner Account Services, LLC (LA)

To whom it may concern, I am a military members, and Roadrunner Financial wont honor my military status. Literally all my credit cards have honored the XXXX benefits. Even another car that I am financing honored the XXXX benefits. Ive sent copy of my orders, even my official document transition into XXXX XXXX AFTER I got the motorcycle. They have the worst customer service ever and they dont help AT ALL. 
My account number with them is XXXX Best regards, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (NY)

I have been approved for a discharge for the college at XXXX XXXX in XXXX. Nothing has happened since. 

Also, another college I went to, XXXX XXXX had closed. They keep saying I withdrew and was not on a leave of absence. They are lying. I kept them up to date on everything after having XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have sent them proof from the surgeon saying I could not XXXX. I was in the XXXX XXXX XXXX and could not deal with XXXX I need help with this. I have sent them many other documents. The fact is that they withdrew without my knowledge. I would have never agreed to that. They are being very untruthful. Thanks, XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (GA)

I called this company directly because I received a debt collection letter in the mail a few days ago. Once I tracked down who the original company this was, it didn't ring a bell because the date on this notice is different from the date that the company stated on the phone. When I told them that I had insurance at this time of visit and specifically gave it to the paramedic, the representative of XXXX XXXX XXXX XXXX said company ) stated that they sent claim to my insurance but insurance did not pay. That was odd, so I asked her well why didn't I receive notice from you or my insurance? The representative lady said that we sent out notices in XXXX and XXXX of XXXX. I said that I never received anything and address was correct. I asked her to send me a copy with date stamped of the notices they sent to me and my insurance, a d she told me that they can not do that. They can only generate a new bill with today 's date. This is all a lie because of so many discrepancies. Date of service on notice is completely different from date told by representatives and they deliberately told me that they cant send me a copy of a bill or any communication of them reaching out to me on the 3 dates mentioned nor my insurance.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner is a third party debt collecting company. I never entered into any agreement with them. Caine & Weiner is fraudulently putting information on my credit report and constantly harassing me for a debt I do not owe
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Under FDCPA Dear LVNV FUNDING LLC I am writing in response to your attempt to collect a debt referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ), I am requesting that you provide full validation of this debt. Until proper validation is provided, I request that you cease all collection activities on this account and stop reporting this debt to any credit reporting agencies. 

Please provide the following information as required by law : Proof of the debt : Full itemization of the amount owed, including how the amount was calculated.

Verification of ownership : Proof that I am legally obligated to pay this debt, including the original agreement or contract.

Legal right to collect : Documentation showing that your agency has the authority to collect this debt on behalf of the original creditor. 
Chain of title : Any documentation showing that the debt was transferred or sold to you. 
If you are unable to validate this debt, you are required to remove all information regarding this account from my credit report and cease all collection activities. 

Until you can provide the above, this debt should not be reported to the credit bureaus, and any negative reporting should be removed in compliance with the FDCPA. If you can not validate this debt, please remove it from my credit report immediately. 

Please note that failure to provide the requested validation within 30 days will result in me taking further legal action, including filing complaints with my states Attorney General, and seeking legal counsel under the FDCPA. Additionally, be aware that Section 813 of the FDCPA ( 15 U.S.C. 1692k ) provides that debt collectors who fail to comply with these requirements may be liable for damages, including actual damages, statutory damages, attorneys fees, and costs.

I expect a prompt and thorough response to this request. Please send me all information and documentation concerning this account in writing. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed above, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information 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 XXXXXXXX Transunion : 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 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MA)

They sent a letter stating they were increasing fees and if i wanted to I guess agree or not agree call in I called in saying I didnt agree and in that effect came to an agreement of a closing my account. I have a balance in paying off so I made a payment arrangement in order to meet said balance. I made a payment arrangements of XXXX something now i payment arrangement went up to XXXX and I never agreed to that. They allege they are charging maintenance fees when they never sent in a email or anything advising me they were going to start charging that. I contacted the Fortiva credit card company and said they werent going to do anything about it and I could go as I please. That they werent supposed to notify me anything since I had a balance which I said I know I do and in paying it off but you guys were supposed to notify customers about any fees that you guys are going to charge us before hand
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions use a third party marketing service to offer cash rewards to customers who use their checking account debit cards to pay certain bills each month. This service appears EVERY time a customer logs into their checking account, to actively induce customers to use their debit card on which Regions earns money. I activated several of these offers in XXXX of XXXX, totaling more than {$30.00}. For example, I was offered {$20.00} for charging my monthly XXXX XXXX subscription to my Regions debit card. After the applicable charges posted to my account, NO credit was received. I brought this to the attention of various customer service personnel at Regions and was told to wait 90 days. It's now been more than 90 days and still NO credit. 

By comparison, I also have a XXXX XXXX checking account and they use the exact same third party marketing plugin on their site to offer rewards to their debit card customers -- same look and feel of the offers window, same fonts, colors -- clearly the same third party service. A month or XXXX after the Regions transactions, I switched my XXXX XXXX monthly billing to XXXX XXXX, it billed to my XXXX XXXX debit card, and I received my $ 20 monthly credit very promptly after the charge posted to my XXXX XXXX checking account. I believe that Regions is engaging in a practice of fraudulent rewards offers that they never make good on, and this could be affecting thousands of their customers.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Good Day Sir/Maam, I am humbly asking for your assistance in appealing the permanent limitation placed on my PayPal account XXXX I am a freelance virtual assistant and rely on PayPal to receive payments from my clients. XXXX XXXX after complying with a routine account review, I received a notification stating that my account was permanently limited due to being linked to another account with unresolved issues. I assure you that this is my only PayPal account, and I have adhered to all policies. 

My funds are currently on hold for 180 days, and I firmly believe I have not violated any regulations. The lack of detailed information regarding the limitation makes it difficult for me to address the situation. I would greatly appreciate your help in escalating my appeal, as I am confident there are no issues on my part. I am hoping that you will reconsider my request to review my documents again to reinstate my account since this is the only means I have to pay for my father 's medical expenses due to XXXX.
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: Lendmark Financial Services (GA)

[ XX/XX/scrub>XXXX  ] To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. 
Please provide me with proof of these items, specifically the contract bearing my signature. 
Following that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have not RECEIVED a 1099C for this charged off debt. Can you please provide me with a 1099C to ACCURATELY reflect this as a charge off for tax purposes and please update my credit report accordingly.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have been a customer of Bank of America since 2017, when I spent XXXX months in the US as part of a XXXX XXXX XXXX  at XXXXXXXX XXXX Then I went back toArgentina, my country of origin and residence. I usually work for XXXX XXXX XXXX as a short-term consultant, and receive their payments in my account at BoA. Last friday ( XXXX ) I tried to make a wire transfer to XXXX of my accounts in XXXX, and BoA blocked not only the transfer but my account too. Now I can not access online banking. I've called on friday several times. All the bank officers told me that now it is mandatory for me to go to the branch to validate my identity. But again, I live in XXXX, and it is very expensive for me to travel to the US to carry out this procedure. Could you assist me on this matter? 
I would like to be able to access my online banking ; and, also, I would like to make the transfer. 
Thanks a lot in advance.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NC)

Today, XX/XX/year>, I received an email from XXXX saying that someone named XXXX XXXX in XXXX owes {$830.00} for an account ending in XXXX. However, my name is XXXX XXXX, and I do not live in XXXX anymore nor do I have an account ending in XXXX. I believe this is a case of mistaken identity and I would like to dispute the collection of an amount I do not owe.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (TX)

My account with XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX OF XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
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. (PA)

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD ONE LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUN ACCURANCY. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS. 











Update the account to paid on time and never late. or remove it from my consumer report.
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I got an auto loan from Bank of America for a XXXX XXXX. Acct # XXXX. This was about 3 years ago. When trying to access my account recently due to selling the car I was locked out. After many phone calls the bank notified me that my social security number on the online account system was incorrect. My SSN is used for their dual factor authentication so I had no way to access the account. The bank acknowledged that the original paper work they have on file scanned in is correct but the information was incorrectly put into their system. After acknowledging their mistake they told me that i needed to send in load of information to get this corrected and it could take a few months. Keep in mind, they HAVE the original paperwork and can see that they made a mistake. Whenever I am on the phone with them to even get simple information they ask for information on the account to " verify '' me however since I can not access the account I can not get in. They have refused to fix their error, which is completely on them, over and over. The only way I have to access my account would be to do a multi stage long process of " verifying my SSN '' which they have already on hand from the original paper work. The loan is paid off however, since I have autopay, I can not cancel it without access to my account, This means they will continue charging me until either they fix the problem, or i spend months fixing it for them and then have to wait for further reimbursement.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION (GU)

According to XXXX XXXX XXXX XXXX, a letter from Hawaii stated I am not allowed to enter the premises in XXXX. Also, her account ruined because the bank returned the money from XXXX  XXXX XXXX check.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.