davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (FL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Case # - XXXX Dear Equifax : I called Equifax consumer care dept on XX/XX/28 at XXXX XXXX. 

I was connected to XXXX in customer care and she verified my identity and transferred me to a supervisor. 

I was transferred to XXXX at XXXX XXXX  - a supervisor in customer care dept. 
He confirmed my documents and letters then transferred me to the consumer affairs dept. 

I was transferred to XXXX in consumer affairs dept at XXXX XXXX. 

XXXX confirmed he could see the communication with me and the CFPB and my personal identification documents regarding this issue. He placed me on hold to remove all blocks and discrepancies on my file that he could. 

He informed me there is an internal block that needs to be removed by and internal department at Equifax. 

He said he created a ticket and sent the ticket to the department that can remove the internal block on my file. 

XXXX said I did NOT need to send any additional documents to Equifax regarding this issue. 

He said the block will be removed within 24 hours usually and Equifax will call me back within 24-72 hours to confirm the block has been removed. 

After that, creditors like XXXX XXXX XXXX will be able to report to my account. 

If we do not get a call within 24-72 hours I can call back to the consumer affairs department with my case number for this issue to confirm the internal block has been removed. 

He confirmed one more time that Equifax does not need anything else from me or XXXX XXXX XXXX to solve the issue and said he would create notes on my file detailing this conversation.
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-08
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. (CA)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MD)

Gemini has frozen, locked, and restricted my Gemini Exchange account because I am currently XXXX  in XXXX, an area outside of their zone of operation. 

I have requested Gemini to move forward with a reverification process and have communicated my readiness to provide them with all of the information they need to comply with XXXX. Gemini insists that I must be present in their area of operation to complete the XXXX, this is not true and nothing in their terms of agreements and no law coroberates this. As a result of this hard headed insistance, Gemini requested that I drop my volunteer responsibilities in XXXX to travel to XXXX and wait for the next set of instructions. Obviously this is not a reasonable request. For the record I already attempted to do this back in XX/XX/year>, but Gemini 's customer support was too slow to resolve the issue. In the end I returned to XXXX to volunteer and now we are back to square XXXX. 

Therefore, I have repeatedly asked Gemini to provide me with a full sell of instructions as well as an estimated time line of completion. Gemini support refuses to provide me with this information. 

As an alternative Gemini support offered to convert and withdraw my assets for me. I agreed, but now after XXXX month of waiting they told me that they can not do this. Again, I've read their terms and agreements and it says that they actually have the power to do this. 

To make matters worse Gemini confirmed with me that if I don't log in to my account for a certain period of time then they will have the power to confiscate my assets and close my account. I asked for a time line on when this might happen. Again, they wouldn't provide a time line. 

Finally, a couple months ago I stopped filing complaints against Gemini on CFPB because after my last complaint, someone from Gemini support emailed me claiming I was a resident of XXXX and therefore they would be forced to close my account. Their claim was entirely inaccurate and I believe it was a veiled threat meant to scare me away from filing anymore complaints against Gemini. 

At this point, I am all out of options as Gemini support will only respond to me with copy and paste responses or they just won't respond at all.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

i sent midland credit management a usps certified letter : XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX for all of the alleged debts of {$1200.00} ; XXXX ; and XXXX that they say i owe. i have not heard from them and the inaccurate information is still being reported on my credit report after i told them to cease and desist. They never gave me the documentation requested, per 12 CFR 1006.34 and 12 CFR 1006.38, which is a violation. 
this unverified information is damaging my credit and causing me XXXX. 
i have attached copies below for your reference
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (AZ)

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

I resided in the complex for a total of XXXX years, during which my youngest son 's father lived with us for XXXX years and was listed on the lease. Throughout this time, I adhered to all the rules, paid my rent punctually, and successfully passed all inspections. Unfortunately, I was a victim of XXXX XXXX XXXX, both XXXX and XXXX within this relationship. It was only in XXXX of 2018 that I mustered the courage to ask him to leave, but by then, he had already caused significant damage to the apartment. This was not the first instance of him destroying our living space during that summer, but it was the most devastating, as he ruined the newly done floors and damaged the stove and fridge. 

When our lease was up for renewal in XX/XX/year>, he had already moved in with another woman in the apartment adjacent to mine. The office manager, XXXX, was aware of this situation, and to protect my housing voucher, she advised me to submit a XXXX notice and vacate the premises. I am unsure why my ex-partner was not held responsible for the damages, considering he was still on the lease at the time and XXXX was aware of his actions. As a result, I was forced to leave the home where I had raised my children for XXXX years, leaving behind countless memories tainted by XXXX  Meanwhile, he was able to move into another apartment without any consequences. The financial burden of the damages and the subsequent charges is something I can not afford, especially since he also caused damage to my new car, which I had purchased with my tax refund just months prior. This situation has left me in a state of ongoing suffering, and it has negatively impacted my credit, making it difficult for me to obtain any assistance or support.
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Upgrade, Inc. (MI)

I got a email on XX/XX/XXXX saying I was eligible for a loan anywhere from {$3000.00} to {$10000.00}. I called and asked to do the {$3000.00}. They asked for my personal info. Account s, social security, address etc I gave the information. He then mentioned that because of my credit score we would have to do something where they sent money to my account and I would send it back he mentioned we would have to do this a couple of times to get my credit score up to where it needs to be. He then kept telling me we had to do it again and again and made me do it like four times. I bought it because my credit score XXXX XXXXXXXX and plus it was happening over a holiday weekend. On the XXXX they put in a transfer {$130.00}, {$130.00}, {$130.00}, & {$130.00}. On the XXXX they put in {$500.00}, {$98.00}, {$130.00}, {$130.00}, {$130.00}, {$130.00}, {$130.00}, {$130.00}, {$120.00}, {$120.00}, {$130.00}. On the XXXX they put in {$130.00}, {$130.00}, {$130.00}, {$120.00}. All of these amounts were later returned as XXXX determined that the place they were going to was not real.
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (PR)

HI : I am XXXX XXXX XXXX I had XXXX accounts on XXXX they were open it on XXXX XXXX XXXX ( Num. XXXX ), and XXXX XXXX XXXX ( Num. XXXX ), my issues are On XXXX XXXX XXXX my financial institution ( XXXX XXXX XXXX XXXX ) notified me by mail, about some irregular transactions made, on my visa card, from ( XXXX or XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), causing me problems with my credit, credit line, credit score and my piece of mine. 

The issue that I have now with, ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) is the account ( Num. XXXX ) has been send to a different debt collection company name, ( AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Who is billing me {$460.00}, basically is the same issue stated on my first Complaint with the case number XXXX, on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), resolved in my favor, Please help me with ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) from their continues harassing. 
I am summiting again the document, that include in detail the unauthorized transactions and the step taken so far, from my financial institution ( XXXX XXXX XXXX XXXX ) and myself.
Consumer complaint received 2024-06-25
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. (MD)

Account numberXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT-OUT ( 1 ) IN GENERAL financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all the above disclosures required by the Federal.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (PA)

No action was taking by Exeter finance I need to use my online app to make my payments XXXX they have that blocked how am I supposed to be diligent in paying my loan without access to my online account they are making everything impossible for us XXXX than they are stating I am harrassing them much the other way
Consumer complaint received 2024-06-13
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: National Credit Systems,Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear NATLCRSYS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft fraud laws.

It has unequivocally come to my attention that NATLCRSYS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouris identity theft statutes underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for NATLCRSYS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that NATLCRSYS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that NATLCRSYS will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (VA)

Back in XX/XX/year>, we inquired with XXXX XXXX XXXX  company for our solar to be installed on our property at XXXX XXXX XXXX, XXXX XXXX We then contracted with XXXX  XXXX to have solar installed on XX/XX/XXXX through XXXX. We had one issue after another with this company from the start. I had to make several phone calls to have the issues resolved. XXXX XXXX failed to complete the installation/inspection. I tried numerous times over several weeks to have XXXX XXXX arrange to complete the installation/inspection with no success, then only to find out they went out of business and filed for Bankruptcy, with no warning to us. 

Due to the malicious actions of XXXX XXXX towards our XXXX XXXX, they failed to complete the installation and/or made no effort or arrangements to complete our installation/inspection. The bottom line is, XXXX XXXX, violated the agreement and breached our contract with us. This contract is now cancelled since they are no longer a company. 

I have attempted to work with the relations department at Goodleap for the last year and a half and still do not have an operational solar system. I have been paying on a loan almost two years now for a product that does not work. 

Pleas help!
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (IL)

Radius has sent me a letter in the mail about debt I owe to XXXX XXXX XXXX. I am not in debt to XXXX XXXX XXXX  nor have I ever been. I havent even used XXXX XXXX XXXX in a year. I paid my last wifi bill and closed the account with zero issues. This is a false accusation.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Credit Card Payment was due on XX/XX/XXXX. 
- On XX/XX/XXXX, I went to make a payment on my mobile app from my Capital One Savings Account. 
- On XX/XX/XXXX, I noticed that the Payment Was Returned and Late Fee Charged. 
- On XX/XX/XXXX, I called Capital One and asked for explanation : Explanation : - Representative said that the reason is that the bank account used to make a payment was listed as XXXX  XXXX XXXX and it did not go thru. 
- After explaining that I don't have a XXXX  XXXX XXXX account, the representative said that they don't handle issues with mobile app and advised for me to change a password to the phone (? ). They also refused to reverse the Late Fee. 
- There is obviously an issue at Capital One, they somehow used a non-existent XXXX  account to make an ACH payment. I am a customer in good standing without any previous issues, and I always use my Cap One Savings account for payments. 
The refusal by Capital One to investigate and charge my late fee is a predatory practice.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

They sent a file I did not sign, the payments were {$130.00} a month on XXXX I signed however they are charging twice that amount monthly and outrageous fees have been added.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2024 with my permission XXXXXXXX XXXX made a hard inquiry of my credit through Transunion. I was denied the credit and received a letter from the bank date XX/XX/2024 with the reason for denial being that Transunion reported to them that I am XXXX On XX/XX/2024 I logged in to my Transunion account to see if XXXX bank had pulled my credit and it shows that they did. I called Transunion immediately after I checked my credit and I was told that they do not have me listed as XXXX, I called XXXXXXXX XXXX and gave them the reference number that is on the XX/XX/2024 letter that they sent me and they confirmed that Transunion told them that I am XXXX and that is why the credit was denied. I was also connected with XXXX credit since the card that I applied for is the XXXX XXXX XXXX. The service representative looked up my information and told me that the request for the card never made it to them from XXXXXXXX XXXX  because there was no reason for them to look at it since I was listed as XXXX and the only way that will change is if Transunion contacts the bank and tell them that they made an error.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

I would like to file a complaint against XXXX XXXX, XXXX XXXX Credit Collection Servcices for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Consumer complaint received 2018-05-14
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: Coastal Credit, LLC (FL)

This is my 10th time disputing, complaining, asking for proof, documentation, and validity that this is my debt with this company. This company continues to report false information monthly on my credit file as if I have interest that accrues every month. The address that they have in their database is an old address that I have lived in the past. However, this address was also used to purchase a vehicle in my name with my social, dob, etc. 

I have filed a police report in the past because I am a victim of identity theft. I have had someone get a apartment in my name before and now a vehicle and I've had no problem getting the apartment removed from my credit report. 

I have reached out to Coastal Credit several times about this same issue and have not yet received anything showing that I am responsible for this debt or if it is mine. Every time that I ask for this information from the credit reporting agencies they continue to state that the debt is valid without any proof. They stated that they tried to work out a settlement with me. I was never contacted about a settlement and why should I have to pay for someone else 's debt. This is unfair to me because its causing me to have problems getting my vehicle refinanced with my credit union. This information is reporting inaccurately to XXXX, XXXX, and XXXX. 

And again, please show me PROOF that this was my vehicle or my debt. Anyone could have signed off on this vehicle in my name. As stated before I have been a victim of identity theft since XX/XX/2011. Please have this removed from my credit file IMMEDIATELY!