davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (CA)

I am formally complaining against CKSPRIMEIN Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : CKSPRIMEIN * Account Number : XXXX Nature of Complaint : XXXX. Lack of Written Notification : CKSPRIMEIN Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

XXXX. No Contract or Business Relationship : I have never engaged in any business with CKSPRIMEIN Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

XXXX. Inaccurate Reporting : The account information reported by CKSPRIMEIN Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

XXXX. Unauthorized Credit Report Entry : CKSPRIMEIN Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of CKSPRIMEIN Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Consumer complaint received 2024-06-05
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 (NY)

I received an American Express Prepaid Gift Card for {$25.00} a few years ago for XXXX. I lost the card but found it recently and tried to use it. The card was declined everywhere, and it wouldn't allow me to check the balance online. Last night ( XX/XX/year> ) I called the number on the back of the card to inquire about the balance and was told that the funds were taken by the my state 's unclaimed funds department. My gift card is still well before the expiry date, so I don't know why the funds would be taken already. American Express refused to reissue me a new card.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (TX)

I sent my first zelle payment on XX/XX/XXXX and I got an email on XX/XX/XXXX from the XXXX XXXX  saying that the zelle payment failed and did not go through and that I would have receive funds back in my account in one to two business days. The email said there were XXXX different reasons why a payment would potentially fail : one was insufficient funds in the bank account, which I had about {$10000.00} in at the moment, another reason was wrong phone number or email of the recipient, but I had already sent zelle payment before to this person so that was not it, or some kind of system error, so that was definitely what happened here. Today is the third business day and I've still not received my funds back in my bank account. Because it was a system error I want Zelle to fix the problem and my money should not be held hostage for up to 10 business days or longer. I did a second zelle payment on XX/XX/XXXX and I went through immediately with no problem. Also When I reach out to the Complaint and phone number provided by zelle I am unable to speak to a human being And have very limited options And then I get hung up on by the system. We need to be able to speak to a representative from zelle For situations like this and others.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IA)

They charged me for Bitcoin, asked for verification and documents in order to send it. I complied. Then when I went to send it they told me it was not possible. They charged me {$100.00} for my {$4000.00} XXXX, but did not give me possession of my XXXX, they charged me another {$100.00} to sell it, then they locked my remaining {$3800.00} left. This money was intended to help a XXXX XXXX across the world. I talked to 7 customer service representative and they all hang up as soon as I let them know my problem. I'm out {$200.00}, my relative is XXXX, and I'm out XXXX until the account is unfrozen.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica (NC)

Prending to be me and change all of my info and cleaned out my account and I had no idea what happened and withdraw all my money off my credit card and identity theft and lied on social security saying that I changed my address and everything else and I've haven't done anything and I had to file a claim against the direct Express department and police report as well and they took the money off my credit card and they said that someone else did it from XXXX NC? It's sad that we have humans in the world like that and now I can't pay my bills now and I might be homeless because of this situation.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

To Midland : here are the information requested. 
1. Original account number 2. Original name of creditor 3. Date account was opened 4. Date of last payment 5. Amount of the original debt 6. Itemized statement showing full history of account 7. Proof of chain of title that you own the debt 8. Copy of contract with my signature guaranteeing I will pay this creditor
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

Hello. I purchased XXXX automotive services from a XXXX on XX/XX/year> as a third party and paid using my TD Bank XXXX  card. One service I did canceled right away and XXXX issued a refund for {$43.00}. The other XXXX I tried to use for AC refregerant refills for my vehicle but unsuccessfuly because the merchant failed to provide the service and I had to go to another repair shop and pay {$89.00} for the same AC refregirant refill service for my vehicle. After that I filed a claim for a credit from XXXX, which was unsuccessful because they decline to issue a credit for utilized groupon. They stated that I need to proceed with my claim with my banking instutuition if I want to have a refund processed. 
When I filled the claim with XXXX  Bank on XX/XX/year> for the amount of {$88.00}, they mistakely assume that first credit which was provided by XXXX was in satisfaction of the second one and decline to issue a credit for {$88.00} which has nothing to do with a refund for {$45.00} issued by XXXX. 
I called 3 times but the dispute department reps are dead beat. They are grossly mishandle cunsumer claims and denying legitimate complaints and requests for credits. 
Now, I paid twice aproximately the same amount of money for the same services for my vehicle and nobody care to take a look at issue and resolve this relatively easy claim. 
Since I did purchase services twice the mirror image rules of common law applies and I can't get only one service done because one merchant failed to perform. 
I do demand the XXXX Bank to refund my money paid to XXXX for the service that their third party beneficiary failed to performed!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

DEAR, EQUIFAX I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (AZ)

I contacted XXXX XXXXXXXX XXXX in regards to XXXX separate reports made to Early Warning Services LLC in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with XXXX  XXXX XXXX, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked XXXX XXXX XXXX to provide evidence that Early Warning Services LLC is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n ) XXXX XXXX XXXX has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. XXXX XXXX XXXX also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with XXXX XXXX XXXX. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my XXXX XXXX XXXXXXXX checking account information to be able to report these transactions. And Lastly, there was a checking account opened with XXXX that was reported to Early Warning Services LLC with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe XXXX opened it on my behalf fraudulently, and reported it to Early Warning Services LLC without my permission. According to the Early Warning Services report I received also shows the XXXX account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.
Consumer complaint received 2024-06-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit acceptance, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under XXXX XXXX credit reporting and fair debt practices act. they deliberately failing to respond to demand letter and credit letters adequately. I have been demanding proof of a debt they breach of contract. I signed the contract, XXXX XXXX ( grantor and settler ) all right reserve authorize agent, nunc pro tunc.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (CA)

date XX/XX/year>, amount {$1200.00} including {$19.00} fees I sent money back to XXXX thro Sigue Corporation with the XXXX XXXX XXXX XXXX XXXX XXXX. The confirmation number is XXXX. However the transaction was not succeed. I waited for 3 month to got a refund check. But the Check got bounced after I deposited. I go talked to the agent XXXX XXXX XXXX XXXX XXXX, they said there is nothing they can do. I call sigue Corp but no one answer. I email them but never reply.
Consumer complaint received 2024-06-05
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: Bread Financial Holdings, Inc. (FL)

XXXX XXXX : This account has been disputed 3 times. I have asked for verification of late payments. I have not recieved an account ledger from the creditor. I demand proof of this account if it is being furnished on my report. Please delete immediately! 

CCBULTA XXXX : There is no notice of dispute marked on this account, yet it has been disputed 3 times. Under 1666b- billing error- I demand a copy of my statements sent 21 days before my due date. I demand method of verification. Please update to pays as agreed, never late. 

XXXX XXXX account numbers on XXXX XXXX XXXX and XXXX report all student loans with no late payment history. This account has been disputed 3 times, yet there is no notice of dispute. I demand equifax provide me with proof of the erroneous late payments. All accounts should match across all three credit bureaus. Update to pays as agreed, never late. 

XXXX XXXX : This account has been disputed 3 times, yet there is no notice of dispute. The open date is inconsistent across all three bureaus. Terms is incomplete. High balance is inconsistent. Date of last activity is incorrect- manipulating the statute of limitations. Payment history is inconsistent. The account was closed in XXXX of XXXX yet XXXX reports late payment history until XXXX of XXXX. I demand the removal of this erroneous account or I will be seeking arbitration.
Consumer complaint received 2024-06-05
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: Bridgecrest Acceptance Corporation (FL)

BRIDGCREST XXXX : This account has been disputed 3 times. I have asked for verification of late payments. I have not recieved an account ledger from the creditor. I demand proof of this account if it is being furnished on my report. Please delete immediately! 

XXXX  XXXX : There is no notice of dispute marked on this account, yet it has been disputed 3 times. Under XXXX billing error- I demand a copy of my statements sent 21 days before my due date. I demand method of verification. Please update to pays as agreed, never late. 

XXXX All account numbers on XXXX XXXX XXXX and XXXX report all student loans with no late payment history. This account has been disputed 3 times, yet there is no notice of dispute. I demand equifax provide me with proof of the erroneous late payments. All accounts should match across all three credit bureaus. Update to pays as agreed, never late. 

XXXX XXXX : This account has been disputed 3 times, yet there is no notice of dispute. The open date is inconsistent across all three bureaus. Terms is incomplete. High balance is inconsistent. Date of last activity is incorrect- manipulating the statute of limitations. Payment history is inconsistent. The account was closed in XXXX of XXXX yet XXXX reports late payment history until XXXX of XXXX. I demand the removal of this erroneous account or I will be seeking arbitration.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc. (TX)

On XX/XX/year>, I applied for a Solo Funds short-term loan in the amount of {$330.00}. I received the full amount on that day and I immediately withdrew {$150.00} from my solo wallet account to my debit card. A couple of days later I tried to withdraw the rest of the {$150.00} amount and the app would not let me due to a " debit card verification issue ''. I reached out to Solo Funds because I was going to have to repay my loan to avoid any collections however, I still could not access my full loan amount. I repaid the original loan on XX/XX/year> and noticed that the {$150.00} was completely missing from my solo wallet. I have reached out to the company multiple times requesting my money back and they reply that they are still working on the issue and that they had a merger with another bank that is causing them this issue. I just want a refund of the money that I am owed.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear CFPB, Transunion Credit Bureau continues to report my credit files as delinquent from XXXX XXXX. XXXX XXXX sent me a letter in XX/XX/2024 and advised me that the company was in error of reporting me delinquent and XXXX XXXX advised me that they would correct this error with all three Credit Bureaus. I also sent a copy of the letter to TransUnion. In XX/XX/2024, Transunion continued to report me delinquent in which my credit score drop significantly. 

Kind regards,