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

Subject : Formal Complaint Against ELAN Financial Services for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against ELAN Financial Services ( `` ELAN '' ) for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by ELAN have caused significant damage to my credit rating and have hindered my ability to obtain credit.

Background : Account Closure Without Sufficient Proof : ELAN Financial Services closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation.

Denied Access to Online Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions.

Incorrect Reporting to Credit Bureaus : ELAN Financial Services reported late payments to the three major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating.

Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. ELAN 's failure to notify me of the account closure constitutes a violation of this provision. 
Inaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. ELAN 's reporting of late payments, which are incorrect, is a clear violation of this requirement.

Failure to Allow Access to Account Information : Regulation E Violation : Under the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations. 
Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. ELAN may be civilly responsible and culpable for the damage caused to my reputation and financial standing.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account Balance {$19000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX Account Balance {$3500.00} XXXX XX/XX/XXXXXXXX Account Balance {$4400.00} XXXX XXXX XXXX XXXX Balance {$23000.00}
Consumer complaint received 2024-06-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (OK)

A representative from a law firm has contacted me several times regarding a debt I supposedly owe check and go. His name is XXXX XXXX and his number is XXXX. He states it is regarding a check and go debt. I asked for them to mail me proof of the debt because Im not aware that I owe them any money. He states he emailed it. I have never received an email. I reiterated that I would like it mailed. He stated he does not have to comply with that request. He continues to call me and stated that he is going to issue a warrant for my arrest. He has also stated that he will be coming to my job to discuss the matter. The man has yelled at me and threatened me. I have received over 7 phone calls today alone. I have gone to the police station and made a statement as well as gone to the court house. They have no record of this company filing a warrant for my arrest.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AP)

While using my Coinbase wallet on XXXX XXXX to make swaps I was having trouble completing the transactions and kept getting an era. I went to XXXX ( formerly XXXX ) to write Coinbase support Dev. Apparently XXXX  lets imposters purchase blue check icon and not vetting these fake companies. The fake company said my account needed to be validated and that was why I was having trouble. They sent a link on twitter to validate my wallet and to connect to a wallet which had other wallet to use and for validation I had to paste my XXXX phrase word and before I knew it all my crypto was deleted. I reported the site to XXXX  and nothing was done and Coinbase wallet has no help button or anything but topics. I put a XXXX step verification pin on my Coinbase wallet and started using my wallet again thinking I secured it and XXXX XXXX my crypto was stolen again. So all my gains i would have had is gone and all my new crypto is gone totaling about {$2000.00}. The only thing I could do was lock my coinbase account which I was not trying to do. I was trying to lock my Coinbase wallet. It is sad XXXX  allows scammers on their site but no help when people are scammed and Coinbase dosent help at all.
Consumer complaint received 2023-08-30
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. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CO)

Subject : Complaint Regarding Unjust Permanent Limitation of PayPal Account ( XXXX ) I am writing to formally lodge a complaint against PayPal regarding the unjust and unprofessional permanent limitation imposed on my paypal account ( XXXX ). 
Despite providing all requested information and documentation, my account was permanently limited without any clear explanation or adequate processing of my submitted information. 

On XX/XX/year>, PayPal requested that I verify my account by submitting specific information. I promptly complied and provided the necessary documentation as instructed. However, after this submission, my account was permanently limited. This action appears both suspicious and corrupt, raising concerns that it may be an attempt to unjustly withhold or misappropriate my funds.

The lack of transparency and failure to process my information adequately have caused significant distress and inconvenience. I have attempted to resolve this issue directly with PayPal but have not received a satisfactory response or resolution. 

I respectfully request that the BBB intervene to assist in restoring my PayPal account fully and ensuring that my funds are made accessible to me without further delay. This matter requires urgent attention, as it impacts my financial well-being and trust in the services provided by PayPal. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation (GA)

I Initiated a dispute with debt collection agency, Account Resolution Cor., on XXXX via letter, requesting debt validation for medical collections account XXXX in the amount of {$1400.00}. 
XXXX XXXX Account Resolution Cor. responded with documentation that claimed their client provided them with documentation. The documentation the collections agency sent contained medical diagnosis, medical treatment, prescription information. They also sent an itemized statement from their customer that shows a XXXXXXXX XXXX  owed by me. Because Account Resolution Cor. did not have consent to have medical information, and may have violated HIPAA, I sent the collections agency a cease and desist letter on XXXX via certified mail, again requesting validation of debt that I owe to Account Resolution Cor. and requested they send an agreement that bears my signature agreeing to pay Account Resolution Cor and as this was a medical account, a copy of any HIPAA authorization. 
The collections agency received this cease and desist letter via certified mail on XXXXXXXX XXXX XXXX XXXX, Account Resolution Cor. has not responded with validation of debt or a HIPAA authorization, nor have they removed the collections account from my credit report.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX 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 2023-07-04
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (GA)

I paid off my XXXXContinental Finance account XXXX month. At that time, I requested via chat that they close the account. Today, I got an text that I had a payment due on this account. Upon logging in, I had a {$10.00} service fee and a {$10.00} late fee. I paid the additional {$20.00} and again requested via chat that the account be permanently closed. The customer service representative refused to close the account, instead telling me to call an XXXX # to decline new terms, which would close my account. However, I want the account closed due to my request ( the consumer ) and by law is my right. 

I have screenshots of the chat conversation from today, XXXX, showing the representative refusing to honor my request. 

Adding that when I called the XXXX # to decline the terms and went through the entire process, I was told at the end that there was a " processing error ''. I believe Continental Finance is keeping consumers in a constant loop of service fees. 

This seems not only unethical, but a complete SCAM.
Consumer complaint received 2024-06-04
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (IL)

I have a balance of {$4500.00} on my XXXX report. I do not who these people are they have not provided me with proper debt validation for this alleged debt. I have not given permission for any of my information to be reported to my credit. I am requesting to know who these people? and some type of information on the matter. Legally they have to have permission from me in order to sell my information. Again they are giving people my information i am being denied for housing. The company is the name is ProCollect XXXX.
Consumer complaint received 2024-06-21
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: EQUIFAX, INC. (IL)

I have contacted the credit bureaus multiple times regarding this inaccurate and inconsistent account.These discrepancies do not align as required by the Fair Credit Reporting Act ( FCRA ), which mandates the maximum possible accuracy of information in consumers ' credit reports. 
Therefore, I request that you investigate this matter promptly and delete any inaccurate or inconsistent information from my credit report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (NC)

In my FTC Identity Theft Report, I would like to address the hard inquiries on my credit report. These inquiries were not authorized by me and are negatively impacting my credit score. I am requesting that these inquiries be removed promptly to restore my credit to its accurate state. Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

XXXX th XXXX. I was encountered with a an unsympathetic supervisor today who said they report after 30 days a delinquent account. After calling numerous times since XXXX XXXX XXXX thru today I was told I had {$29.00} late minimum payment I missed however since XXXX to XXXX this was the first incident that made my card delinquent. She was not sympathetic or understanding at. The lady happily with a high tone hung up and said XXXX XXXX Citi bank Macys card.
Consumer complaint received 2021-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

We applied for the Forbearance six-month plan in XX/XX/2020 due to the financial hardship that we confronted. We were very thankful for this help. However, it is conducting us into deeper financial debt, and all due to the loan agency 's delay response. 
Development of events : -We called Lakeview Loan Servicing in XX/XX/2020 to inform them that we no longer needed this plan and were ready to start paying back our mortgage. The person that answered the call confirmed that he was going to send us the Forbearance cancelation document. And that in the mid-time, he was going to extend the program for another six months. The extension was to cover the time that the review was going to take. 
-We received the documentation by the end of XXXX. We sent Lakeview Loan Servicing all the required documents in XXXX. 
-We called in XXXX inquiring for more information. We were interviewed by one of your agents, that confirmed that all documents were in order and that we just needed to wait for a package in the mail. The package was to contain documents that needed to be Notarized by a Notary Public and send them back. 
-We have made several calls without any useful information, we were only informed that it was still at the underwriting department. 

It's been more than 3 months since we sent them all the documents. 
It's been 5 months since we made our first attempt to start paying. 
Our debt to Lakeview Loan Services is increasing as we are writing this note. 
One of your agents told us that we should not have gone through another Forbearance. and that he could not understand why we were advised to do this.
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LendingPoint Holdings LLC (TX)

XXXX XXXX XXXX had violated the FDCPA, XXXX XXXX, Banking laws, IRS reporting and Texas deceptive Act. This debt collector filed a law suit for an alleged debt, on XX/XX/year> CAUSE NO. XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that said they purchased from XXXX XXXX that had an Arbitration Clause in it ( that XXXX never enforced not did XXXX file an claim of cause ), before ever notifying me XXXX XXXX XXXX XXXX XXXX the living soul man of, in writing so that I may request Validation of the alleged debt. The lawsuit seeks an amount of {$14000.00} in which they have never validated nor provided any accountant records to back of the alleged claim of debt. I received a letter dated XX/XX/year> from XXXX XXXX XXXX offering tax time payment options ( See attachment and the many violations in the letter ), after they had filed this claim in small claims court. I dont know who this company is, never had any deals with this company, nor has the person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Corporation/Company , whom I own copyrights to any variations of, Attorney of fact, Trade Mark, Secured Party and any and all debts are owned to me the living soul man XXXX  : XXXX XXXX XXXX XXXX filing XXXX. XXXX filed this alleged account as a lost thereby income loss that they filed with the IRS and a XXXX should have been sent out. I've filed an audit, and Identity theft with the IRS against XXXX, Lending point the servers and XXXX XXXX XXXX for authorized use of my social security account number, filing of the XXXX XXXX into the Federal Reserve by creating an account without my written permission and obtain the cussip number and use the securities ( the promissory note on the stock market ) as a bond and collection millions of credits from it. This alleged account was paid for when they took the XXXX XXXX with my signature and deposited with the Federal Reserve thereby nothing was ever owed to them but rather to me the principal. 

This company has violated all my rights under the XXXX of the United States of America XXXX, the XXXX arbitration, FDCPA, TDCPA.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have been a victim of Identity theft. I have sent all documents for over 7 months to all 3 credit bureaus for the removal of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have only received minimum responses that come over 60 days from my original investigation date. these creditors have incorrect information. XXXX XXXX XXXX have account information that is incorrect. Its reporting 30,60, 30 days late consecutively. XXXX XXXX XXXX  account was opened fraudulently in XXXX I do not have an account with this company. The rating reporting is impossible. I have never had an account with XXXX 
XXXX XXXX Account number - XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX- Account Number - XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX These company 's refuses to remove these account off my Equifax or XXXX Consumer report using erroneous letters fake validation and stall letters. This has been extremely detrimental to my credit rating,
Consumer complaint received 2024-06-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I am writing to formally notify you of my intent to rescind the auto loan/retail installment loan agreement dated XX/XX/XXXX, which was executed between XXXX XXXX XXXXXXXX and Credit AcceptanceXXXX XXXX XXXX XXXX XXXX XXXX. The loan was for the financing of XXXX XXXX XXXX XXXX purchased on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
As per the Truth in Lending Act ( TILA ) 15 U.S.C. 1635 and Regulation Z 12 CFR.

226.17 and 226.23, I am exercising my right to rescind the loan due to the failure to provide material disclosures required under federal law. Specifically, the required disclosures regarding finance charges, annual percentage rate ( APR ), total payments, and other key terms of the loan were not adequately provided at the time of the loan agreement. Which left my Right to Rescission unexpired!!