davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 months that are reported late 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 XXXX XXXX XXXX XXXXXXXX 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 2024-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

***FOLLOW-UP TO COMPLAINT # XXXX **NOT A DUPLICATE COMPLAINT. PLEASE DO NOT CLOSE. ** I would like to clarify a few things based on said report. First, I did not create any Venmo account in mid XXXX. Please do not refer to me as a Venmo user. I do not use any Venmo or other mobile wallet accounts ( i.e. XXXX, XXXX, XXXX, etc ). With that said, let me also clear your mistake that a third party accessed the account. This is never my account to begin with as I expressed just now. Therefore someone made just XXXX transaction for {$200.00} on the Venmo account in question. I have spoken to other close people who assure me no Venmo account was created without me knowing. A third party accessed it ( I suspect a thief ) and used my credit card to do so. From here on out, please do not refer to the account as mine or your account indicating I, as XXXX XXXX, created the account. 

With that said, you are right that I immediately reported the transaction as unauthorized when I saw it appear on my credit card statement. I also agree with you that the claim in question was approved, meaning I could get a {$200.00} refund made. However, since late XXXX, I have been in close contact with Venmo and did not get any refund. The problem at hand is the fact I am arguing a refund wasnt sent to me, and have shown ample bank statements from the time the statement was made on that card. Each time the statement is shown, a charge is only showing ; no indication of a chargeback/refund appears on my end. To say that you assure you sent it is not true. I have spoken to my bank a few times about this, and they assure me no {$200.00} was sent to either that card or any card during any time period ( no collections of a Venmo chargeback was shown at all ). Also, to say no contacts were made prior to XXXX is false. I have been in close contact thru Venmo support via the chat and each time, I have created ample tickets. As I expressed earlier, there is a constant battle of the general customer service reps not being able to assist with transferring the case over to the XX/XX/XXXXXXXX, or the fact that it is, but either I am ignored with the statement I provide to them or outright being told irrelevant information that the account is suspended. I do not care for that detail, and it is extremely irrelevant. The investigations you are alluding to are false ; no details was made like that through the Venmo chat. I have provided statements showing a charge was shown, but no chargeback. I am still owed {$200.00}. I do not care about the account being suspended because it isnt mine to begin with. Abide by my proof of my bank statements I have continuously provided to you showing a charge but no refund being given and give me a refund. You may wish to speak with my bank as well, who can confirm the same thing I am discussing with you : the fact no chargeback was given by Venmo.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by MIDLAND CREDIT MANAGEMENT against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ). 

Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt. 

Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt. 

Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. The Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report. 

Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. Specifically, I am seeking : 1. Verification and correction of the inaccurate information reported to consumer reporting agencies. 
2. Revoking all rights of them communicating with me through email/text/calls 3. Requesting a purchase agreement between the collection agency and the original creditor. 
4. Proof collection agency is licensed and bonded
Consumer complaint received 2024-08-31
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. (FL)

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX. Account # XXXX XXXX. Account # XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX 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. 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 7 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 the the information is inaccurate.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed a copy of my credit report and I am shocked to see that the XXXX major credit bureaus are continuing to report fraudulent, inaccurate, unverifiable accounts and information on my consumer report. This is hurting me as I am in the process of buying a home for my family. Please remove these accounts from my consumer report as they are in violation of the FCRA.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (OH)

I made a purchase using cash app. I disputed the transaction 15 days later when the apt complex gave the apt away that I was suppose to rent. I contacted cash app file my dispute told them what was going on they denied my dispute the first time. I disputed the transaction again with all my emails and other documents that was need. They sent me a email stating they was going to contact XXXXXXXX XXXX to investigate more. I was then sent an email from XXXXXXXX XXXX stating that my money was reversed that it will take 3-5 business days before my money would be recieved. I then contacted cash app to see how long it will be for them to put my funds back into my account I was told up to 10 business days. I was told on XX/XX/2024 that they are working on my refund and that I should recieve by the end of day but now they are saying I have to wait and additional 14 days for them to transfer my money on top of the 10 business days. I just want my money so I can close my account and move on from them.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Our adjustable mortgage has become unaffordable for us. 
1. Because we lost significant employment in 2014. 
2. One of us has just retired, the other is semi-retired. 
3. We asked our mortgage company for a mortgage modification and they refused. 
4. We listed the house for short sale, and the mortgage company continues to refuse the offers. 
5. Now we 've learned that they 've put this house up for auction, claiming that we consented to that. However, we never knew that we did. We believe that " consent '' was hidden the short sale agreement deceptively. 
6. We have stopped making our house payments effective XX/XX/XXXX as a result of all this. However, we want to stay in the house. 
7. We have called the mortgage company repeatedly asking to speak to someone about renegotiating our mortgage, but they never call back. 
8. They have revised their Website. We can no longer log on to our account or obtain any of the correspondence we had posted with them there.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

I have been overcharged by XXXX XXXX the amount charged was XX/XX/year> purchase XXXX {$2500.00} XXXX  eligible But charge I authorized is Flight Price {$1200.00} Seat Assignment Fees {$100.00} Total Travel Cost {$1300.00} But {$100.00} was not to be charged as I had mileage account with XXXX and got one free baggage feach so total that need to pay is {$120000.00} Usbank has denied not getting whole picture. Yes I used ticket but overcharge fraud. Merchant didnt help. Usbank wont even call me to discuss. They have all the facts wrong.
Consumer complaint received 2024-08-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/XXXX, I took out a XXXX for a {$100.00} XX/XX/XXXX gift card ( XXXX installment agreement of $ XXXX ). The XXXXXX/XX/XXXXis XX/XX/XXXX. My card was successfully charged {$25.00} on XX/XX/XXXX, with the XXXX of XXXX payments being next due on XX/XX/26. I never received the gift card, nor did I ever receive any email confirmation of the purchase. Customer support was not helpful in resolving my case, and XXXX days later, I'm still without the gift card.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX we ordered a home inspection on XXXX. Whilst the inspection was ongoing we had to cancel because of realtor malpractice. We were unable to reach the inspector who at that time was tresspassing. The inspection company on XXXX stated they would provide a cancellation and refund. However, later on this was recanted. For this reason we requested a dispute with Barclays to obtain our refund. Barclays ruled against us and charged us again on XXXX. Barclays never requested documentation or provided us with an opportunity to support our case. Barclays failed in their duty towards us as card holders. Furthermore, for a repeal we need to physically mail in documentation. It appears merchants have access to digital means. This appears to be designed to the detriment of card holders. We will send in our evidence in the mail.
Consumer complaint received 2024-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (AL)

I am having multiple loan servicers contact me by phone and mail. However none of them can find my loans anywhere in there databases. Mam, we cant find your information they will say. Call this or that company. I have called and they say the same thing. Even the XXXX department of Education said the same thing. Mam, Ive showing no record, your account was closed. No one can give me any information about my student loans. However they are negatively effecting my credit report by adding XXXX $ more than I owe. It states I owe that much more. I do not!!!!
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am devastated. I have been a victim of identity Thief and I am also a victim of human XXXX XXXX. All of my information and accounts have been compromised. After getting ahold of my financial records, I did disputes on fraud charges that was on my account with my bank. My bank has giving me a hard time. They exercised there rights to close my account down. No reason was provided to why they closed my account down. My account is not in negative and Ive been a member for over 4 years. They close my banking needs but allowed me to keep my insurance policies I have with them! My funds are inside my checking and savings and I will not have any access to anything. Usaa stated that the closure process take 60 days. A check wont be mailed out until after XX/XX/XXXX. This is putting me in a financial hardship and causing me to be behind on my bills. I was not notified about the account closure until I tryed to use my card, I called in because my card wasn't working. I was then told about the account closure. When I asked the bank why did they close my account they stated that they didnt have to give a reason and its in the non disclosure agreement that I signed when I first became a member. I asked for proof of that agreement, nothing has yet been sent. I also asked several times for documentation of proof for these transactions being fraudulent and non fraudulent. Still no proof. They only sent me a list of the transactions. Usaa is picking and choosing what transactions to make permanent and what transactions to reverse. All of the smaller transactions was made permanent within 2-3 days of investigating, while the larger transactions was reversed. These transactions made on the same account and same time frame. They are all attached to the same case. I attached the list of transactions below!!
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-08-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX of portfolio recovery Associates LLC. File a plaintiff against me after I dispute the amount. They dont even send me anything on what happened to the dispute I filed. They dont even send me any paper work explaining on what happens to my dispute.
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (SC)

This debt is from Spring Oaks Capital and I have disputed this at least 7 or 8 times. I informed them it wasn't mine I send paperwork stating I filed fraud with the credit companies but the IRS too and yet they continue to do nothing. As of yesterday now it states the account was opened in XX/XX/2021. I have had my whole identity stolen this whole situation has been a night mare and the stress with this company is unbearable. It states the amount as XXXX I have no idea what this is. But I have read several complaints about this company doing the same thing to other people.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (KY)

I went to a PNC branch in XXXX XXXXXXXX XXXX at approximately XXXX XXXX on Tuesday XX/XX/year>. The location has no tellers assisting with deposits and all cash deposits must be done through the sole ATM right by the front door. This machine counts bills as you insert them in, and occasionally rejects bills that are unable to be read. I was depositing approximately XXXX XXXXXXXX {$2200.00}, all cash that I had made from my summer job. While I was straightening out my last few bills, and with over {$2100.00} counted in the ATM, my transaction was suddenly cancelled and my card was returned to me. All the money that I had just submitted had disappeared from the screen, and I was given no receipt of any kind. I informed a teller immediately, and was told I would have to file a dispute, despite my money still being right there in the machine. Additionally, all of this should have been captured by the camera on the ATM. When following up the next day after I had still not received my money, I was told it could take a month and a half to receive my money. I am a student and I need this money nownot in XXXX days. This is an extremely frustrating example of negligence that has been exhibited by this bank, and I am disappointed at how its been handled thus far.
Consumer complaint received 2024-06-03
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. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX XXXX 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 2024-06-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-20
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: HOVG, LLC (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B