davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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. (CA)

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 XXXX : XXXX 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 2024-06-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (MO)

I moved out of XXXX XXXX at the end of XXXX. There was a verbal agreement that if I vacated by XX/XX/2022 that I would not have any further charges and my remaining deposit would be forwarded to my home of record. I returned the keys and key fob upon the complete removal of all of my belongings from the apartment. The apartment was completely vacated by XX/XX/2022. Since then I have had several collection agencies try to collect XXXX from me. I have received numerous calls in this manner, and none of what they state is true. I adhered to the apartment managers request to vactate the property by XX/XX/XXXX to avoid any collection notices. This XXXX is not being truthful and this is affecting my credit and my rental history. XXXX XXXX is illegally trying to collect a debt that is not owed and taking advantage of individuals such as myself. I was not physically even in the state of California during XXXX through XXXX. I was working in XXXX Washington on a project with the school district and my employer. I can alos provide pay statements which prove this and shows the deciet XXXX XXXX has displayed. XXXX XXXX claims I resided in the apartment through XXXX. This is a flat out lie and they need to be held accountable.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I have 18 student loans with Department of Education/Netnet that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. 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 2024-06-02
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CO)

XX/XX/XXXX they said they reopened the claim which included claims from 3 cards that were all denied. One being my card fraud used online for a hotel that the hotel said there were notes of a no show which I was entirely in a different town booked on work, another a restaurant charge from a town u known sometime after I left my card at a gas station, then he remaining were multiple charges before I started using XXXX XXXX  frequently when my phone was stolen 2 times. The second time I never got my phone back and jut recently got my number reactivated. Ive called from my husband phone numerous times to Wisely inquiring about it. The last time I called was today an told first it was never reopened then was told by another agent after calling 3 times while making a dispute because I accidentally submitted multiple payments to a company due to wisely out of blue freezing all transactions for about 3 hours for fraud and when I called I was told to just keep trying after I respond to a text resulting in multiple payments of XXXX which if the are denying disputes for a lost card, internet charged, or when my phone was stolen the chances of getting my money back for me accidentally submitting multiple payments due to wisely randomly freezing my card for possible fraud seems slim to none. This company shouldnt be allowed to handle anyones money let alone be a payroll card. This will be almost XXXX Ive been frauded out of and theyve done nothing to get my funds back.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with Target TD. XXXX reports the account as being opened on XX/XX/2022, while XXXX and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Moreover, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act and emphasize the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is noteworthy that while XXXX and XXXX report this account with a high credit of {$330.00}, XXXX inaccurately reports the credit limit as {$0.00}. This disparity in reporting further emphasizes the urgent need for correction.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Spring Oaks Capital LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Spring Oaks Capital LLC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Spring Oak Capital LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Spring Oak Capital LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-06-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Radius Global Solutions, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Radius Global Solutions , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Radius Global Solutions, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Radius Global Solutions , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

Subject : Incorrect Denial of Credit Line Increase Based on Inaccurate Credit Report Information Dear Citibank Customer Service, I am writing to formally lodge a complaint regarding the denial of my recent requests for a credit line increase on both of my Citibank XXXX XXXX. The denial letters I received stated that the reason for the denial was due to a late payment reported on my XXXX credit report. 

However, I have reviewed my XXXX credit report in detail, and I can confirm that there are no late payments reported. I have attached a copy of my XXXX credit report for your reference, which clearly shows that my payment history is accurate and there are no late payments recorded. 

This error has caused me considerable inconvenience and I am concerned about the impact it may have on my credit standing and financial planning. I request that Citibank  promptly reassesses my credit line increase requests in light of the accurate information provided. Additionally, I urge you to review your internal processes to ensure that such errors do not occur in the future. 

I trust that you will address this matter with the urgency it deserves. Please confirm receipt of this complaint and provide me with an update on the actions being taken to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (GA)

My way2go card got disabled they made me send my info to a email and i wasnt comfortable with it at all they denied me after i sent My info i need you guys help unlocking my card or getting a replacement card
Consumer complaint received 2024-08-21
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Financial Assistance Inc (FL)

They have not provided resolutions to my concerns, so I needed to reach out to them again to obtain a fair and impartial result. I'm already tired of going back and forth to these credit bureaus for almost a year now and no resolution has been provided.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX Accounts : XXXX XXXX XXXX Opened XX/XX/XXXX. {$300.00} XXXX XXXX. Account number XXXX. Date opened. XX/XX/XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX. Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX # XXXX {$940.00} ( XXXX XXXX XXXX ) Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent addresses and accounts. I do not recognize the aforementioned addresses and accounts as reported. The aforementioned addresses and accounts appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses and accounts are the result of identity theft and fraud. Enclosed Police Report with the fraud accounts listed.
Consumer complaint received 2024-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (OK)

XX/XX/XXXX Opened probate on grandmother 's property which has turned complicated. My father ( who's an XXXX Veteran, had been living at the property for XXXX  years and paying the mortgage on time and taxes and insurance when in XXXX XXXX recieved notice to probate property from XXXX XXXX XXXX. We then opened probate and lost XXXX family members ( two out of 3 heirs, including my father ) so we had to get a new lawyer and revise probate which is current. I, named administrator, was in process of claiming successor of interest with XXXX XXXX XXXX. When they sold the loan to XXXX XXXX. I was in process to working with XXXX XXXX to reinstate the loan, at that time the reinstatement was approximately {$800.00}. When I called them back a week latter they had sold the loan and didn't know who had it. I called back a week later and they give me a number to call. They said they had received it but no one had looked at it yet and they didn't know anything about it, to call back XXXX. ( a week ) So I called back and they still had no information about the loan. Next I knew, Fay servicing Taped a note on the door of the house saying property vacant or abanded and a phone number to call. So I called the number and finally got through to someone and they told me they need Letter of administrator. So I sent through email they gave me. Then they say they didn't receive it. Mind you by this time they have contracted people to rummaged through my family home " throwing away perfectly good can goods '' taken a box of papers and changed the locks. I was told by outside mortgage assistant Letters of admin. Is all they need. I've sent Letters of admin., death certificates, my birth certificate. They were going to let me pay XXXX to reinstate the loan but he said i had to pay it that day, right then and was being rude and it made me leerie because i didnt want to be scammed. I told him i needed to check on it and i would call him back. I called back a few days later and the amount then was XXXX. This made me weary but i ended up paying them XXXX. Then 30 days later i tried to make a payment and they said they couldnt except any payments and my heart hit the floor. I checked my bank acct. And they had returned the XXXX luckily, i thought i was scammed for a minute. The last four times I talked with them over the phone they say they can't tell me anything until I have " transfer of title '' and I explained I can't get transfer of title until the end of probate. So it's been useless trying to communicate. Its been useless trying to make a payment. They locked the house and it's hindering me from living there or doing any upkeep to the place which is my administrative duties.
Consumer complaint received 2024-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I submitted my first request to XXXX on Tue, XX/XX/year> regarding the incorrect medical billing. My annual physical exam is XXXX % covered as preventive under my insurance and XXXX kept contacting me for the payment despite my attempts to contact them with no response. XXXX has transferred the bill to Credit Collection Services as a debt collector.
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (CA)

On a phone call in XX/XX/XXXX I was told I have my final payment in XX/XX/XXXX ... because of contradictory statements I decided to call right back 5 mins later and on this subsequent call I spoke with a supervisor at American Credit Acceptance and he told me I have 20 more payments! I was stunned... and he told me that I requested an extension... .which is completely false and deceitful. The only extension ( or because of XXXX XXXX ) I asked for a 2 month payment hardship and resume payments on the third month as scheduled. That was the one and only time I requested due to financial hardship because I had contracted XXXX and XXXX XXXX XXXX XXXX! There is such fraudulent and deceitful practices within American Credit Acceptance and I have been victim for years now and still they are making false statements, contradictory claims regarding requests I've never made. They have caused agreat financial and emotional hardship by fraudulent activity and claims on my account. I have just this week consulted with an attorney ... you have done nothing to investigate the aggregious and fraudulent actions by American Credit Acceptance regarding my account... how is that one agent says XX/XX/XXXX is final payment and 5 mins later a supv says 20 more payments because of a request I NEVER made for an extension? On time and early payments for years now ... my situation is one of the worst if all my research into their history of other customers with same history as mine and in New York that is one of most recent cases ... this has to stop ... to date I've paid over {$40000.00} on an original sticker price of {$15000.00} ... at XXXX XXXX interest and unknown amount of fees attached. I want them investigated for their illegal and fraudulent actions with my account for my XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mcburberod Financial, Inc. d/b/a SeedFi (MI)

On XX/XX/XXXX my credit builder account reached {$500.00}. the money is supposed tp be automatically transferred to my XXXX XXXX spend account. I received emails stating the funds were being transferred and that the money would be in my account in XXXX business days. It is now the XXXX of XXXX, and the funds have not been transferred. I can not access the funds. I don't see the funds in the mobile app, but I can see the funds when I log in, so that is another issue. No one at XXXX XXXX XXXX can tell me when I will have access to my funds. Customer service tells me they will send a request and that the XXXX XXXX team will reach out via email, but the only emails that I receive say I will receive the funds in XXXX business days. I just spoke to XXXX ( that's the only info she would give me ) and she said she would send a " note '' to the person who is assigned to my ticket. It is unbelievable that they would hold my funds for this long. I literally need the money to pay my car insurance in 2 days. XXXX XXXX has a lack of urgency and this has drug on too many days.