davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding repeated issues with EQUIFAX and their handling of my credit report. 

1. Re-insertion of Deleted Information : On XX/XX/year>, I successfully disputed certain information on my credit report, which was subsequently deleted. However, I have recently discovered that this information has been reinserted into my credit report without proper notification or justification. This action has negatively impacted my credit score and is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that reinsertion of previously deleted information must be accompanied by notification to the consumer within five business days. 

XXXX. Inaccessible Dispute Portal : I have attempted to check the status of my updated dispute on the EQUIFAX online portal, but I am unable to access it. This technical issue prevents me from managing my disputes effectively and adds undue stress and confusion to the situation. 

XXXX. Inability to Dispute Directly : The reinserted information has also led to a situation where I can not file disputes directly through the CFPB 's system, further limiting my ability to address and correct these inaccuracies. 

I kindly request the CFPB to investigate this matter and ensure that EQUIFAX complies with all relevant regulations. I also seek assistance in resolving the issues with their dispute portal and ensuring the erroneous information is permanently removed from my credit report.
Consumer complaint received 2023-12-11
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. (FL)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX
Consumer complaint received 2024-07-30
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Elite Financial Services, Inc. (FL)

I have paid over {$900.00} every month since at least XX/XX/year>. The company changed names about a year into our relationship with them. They are now known as Elite Financial Services. And they use XXXX XXXX XXXX as an intermediary. I need to reach out to my bank to get an exact amount, but I've paid roughly asking {$25000.00}. Half way through the apparent program they called to offer some sort of debt consolidation but i declined. The guy I call is XXXX XXXX. He never picks up my calls or responds to texts. This company doesn't seem to exist on the internet. I called a company in South Carolina called Elite Financial Services, and they told me they get calls all the time from me and that the company I'm dealing with is probably not legitimate. They recommended I reach the attorney general of Florida.
Consumer complaint received 2024-05-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (MA)

To NELNET/ Whom It May Concern : I am writing to formally dispute the alleged debt reported by Nelnet Student Loan Services on my credit report. I believe this debt to be fraudulent, as I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation and verification of this debt. To resolve this matter promptly, I demand that you provide the following documentation : Proof of Authorization : Evidence demonstrating your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle and collect this debt.

Legal Basis for Collection : A detailed explanation of the legal grounds upon which this debt is being collected. 
State Authorization : Proof that your organization is authorized to operate and collect debts in my state of residence. 
Evidence of the Alleged Debt : A complete and accurate copy of any contract or agreement, including my signature, that would obligate me to this debt. 
Full Account History : A comprehensive account history, including any charges, fees, and all collection-related activities. 
Pursuant to 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities until the alleged debt has been validated as required by law. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), I remind you that no information regarding this debt should be reported to any credit bureaus without my explicit written consent. 

Your actions in reporting this alleged debt to the credit bureaus and attempting to collect it violate several key provisions of the FDCPA, including : 1692d : Prohibiting harassment or abuse in the collection of debts.

1692e : Prohibiting false, deceptive, or misleading representations. 
1692g ( b ) : Requiring the proper disclosure of my rights and validation of the debt.

1692f : Prohibiting the use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I sent an conditional acceptance letter to XXXX on XX/XX/year> I am writing to file a formal complaint against XXXX Funding for violations of the Fair Debt Collection Practices Act ( FDCPA ) related to the inaccurate and misleading debt collection practices currently reported on my credit reports with XXXX and XXXX. 

XXXX. Violation of FDCPA 812 ( a ) : XXXX Funding has violated FDCPA XXXX ( a ) by unlawfully designing, compiling, and furnishing forms that create the false belief that a person other than the original creditor is participating in the collection of a debt. This deceptive practice has resulted in the inaccurate reporting of a debt on my credit report, leading to substantial harm and confusion. 

XXXX. Impact on XXXX : The false information provided by XXXX XXXX has hindered my ability to obtain credit, as the inaccurate reporting is reflected on both my XXXX and XXXX credit reports. This has led to multiple denials of credit, causing financial distress and damaging my creditworthiness.
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (IL)

This company including management tried to tell me multiple times that I was lying or making this up. They have laughed at me, yelled at me, harassed me far beyond what the laws allow. This started XX/XX/XXXX and has not stopped. I have made it clear to XXXX to not call me so she now calls my family and my work instead. She needs to stop harassing me.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

Cash App account compromise On XX/XX/year> at around XXXX Cash App allowed a fraudulent charge in the Amount of {$99.00} to go through from XXXX XXXX When I block this account months ago. Also there has been multiple fraudulent charge Attempting to charge my account. One recently attempted charge was from XXXX. This has been going on since last year. When they Attempted to make charges to XXXX XXXX XXXX XXXX XXXX. Or attempted to book a hotel room At the XXXX XXXX XXXX This complaint is to notify Cash App That I will seek legal action. Because I believe that my account has been compromised. Unless Cash App can come to a resolution. To solve the problem.
Consumer complaint received 2024-05-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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, oth
er than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-31
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. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have been having an ongoing problem for the past XXXX years with Equifax reporting inaccurate information. I filed bankruptcy XX/XX/2023 and the bankruptcy was discharged XX/XX/2023. Equifax is the only reporting agency that has removed the bankruptcy from public record and shows all of the discharged debts as current. I requested a freeze on my credit report until the report was permanently corrected but, was denied because I deemed it too risky to mail in a copy of my license. I felt this was not needed since they completed a credit identity verification through their automated system. Prior to filing bankruptcy Equifax would report inaccuracies such as reflecting paid/closed accounts as open, then a few days later report them correctly only to turn around and report the wrong information again. This has resulted in my score increasing or decreasing 80-100 points on any given day.
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for XXXX years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (MI)

XX/XX/24 : I was booking a room for XXXX nights at XXXX XXXX. On the payment screen, was offered a credit card offer ( Wells Fargo ) that offered {$150.00} off my purchase and bonus points. It showed on a graphic that my room purchase would be immediately reduced by {$150.00}. 
I clicked on the offer, applied for the card. 


I received an email less than XXXX minutes later : Your XXXX XXXX disclosure access code XXXX XXXX  XXXX Here 's the code to access your XXXX XXXX and other important information. 
XXXX XXXX To enter your access code, open the approval email we previously sent you and select the linked PDF for " Your XXXX XXXX and the Price You Pay for Credit. '' Your information will be available for the next 90 days. You can return and review it anytime with your access code during that period. 


I hadn't received a " previous email '' so I called the automated application approval line. The recording stated that I had been approved and my credit line was {$10000.00}. I stayed on to speak with an agent ( again, couldn't make my hotel purchase without credit card information ). 

I was bounced around to XXXX different people ( wrong department or could not/would not help ). Was then told that they couldn't give out the credit card information. They also told me that I would have to return to book and pay for my room at a later date. 

I asked to cancel the application. I also requested that Wells Fargo contact credit reporting agencies and report that the credit inquiry was a result of their advertising as I don't want this to impact my XXXX XXXX. 
I was " elevated '' to a manager, XXXX ( XXXX ) who said there was nothing she could do for me at this time. She further told me that I would have to wait and receive a letter in the mail XXXX business days later to ensure that the card was cancelled. 

I am looking to : * ensure that the card application was indeed canceled. 
* have all misleading credit card application click-on ads removed, or disclaimers clearly stating that the customer will not be able to use the credit card to pay for a room immediately * have Wells-Fargo report to major credit reporting agencies their policy that led to a credit inquiry for this credit card * have Wells-Fargo 's procedures investigated to avoid consumers from having to be bounced around to XXXX  people for similar issues.
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

My coinbase account was locked for nor reason by Coinbase. I have been in touch with their support which has been of no help. They won't give me a reason, just that they need to verify my identity using a selfie and biometrics. I have done this multiple times and they either respond with we will get back in 14 business only to say pictures were blurry. They have said this multiple times and one time they claimed they didn't receive pictures. I have email communication documents to the above. When this started there was XXXX in the account, since XXXX have gone down the account has dropped below XXXX, I can't even access it to check my holdings or portfolio. This has gone on for months and still I have no reason for their action, I can only say that it was locked right after the proof of stake with XXXX  in XXXX, I had staked XXXX with them.
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (ME)

During my flight booking process on the XXXX ( XXXX XXXX XXXX ), there was an American Express offer before the checkout/payment option for my flight tickets for an American Express Delta Skymiles Gold Card, which stated : " {$150.00} Statement Credit after you use your new Card on a XXXX purchase in your first 3 months. '' After applying, I was shown that my account was pending a manual review and if approved, I would receive the card in the mail within 15 days. Noting there was also no available option that if approved, I could receive my card information in an instant email instead of waiting 15 days for the physical card in the mail. THIS DEFEATS THE PURPOSE OF EVEN APPLYING FOR THE CARD, AS I WAS GOING TO USE IT IMMEDIATELY TO PAY FOR MY TICKETS AND RECEIVE THE {$150.00}. CREDIT. THIS IS AN INNAPROPRIATELY PLACED ADVERTISEMENT WITH NO DISCRETION THAT YOU MAY NOT BE ABLE TO USE IT DURING THE IMMEDIATE PURCHASE OF YOUR TICKETS WHERE THE ADVERTISEMENT IS PLACED. I SIGNED UP FOR THE CARD FOR NOTHING.
Consumer complaint received 2023-12-11
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2024-06-01
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

I opened a Carecredit card through Synchrony Bank to pay for XXXX on XX/XX/year>. The account had a promotional XXXX year XXXX % rate. I attempted to set up a monthly autopay so that the account would be paid in full before the end of that period, but had extreme difficulty setting that up, and repeatedly had the online system indicate that it was setup only to find out after the due date that no payment was made. After XXXX months of this, I finally got it set up. However, I did not realize that the system did not process the amount correctly and instead I was setup on the minimum payment. There was no information provided to help calculate how much I needed to pay each month or how long was left before interest was charged. As a result, when the XXXX year mark hit, I had an outstanding balance and was charged {$1600.00} interest on the entire original sum. I never received any warning that the promotional period was ending or that interest would be charged. As soon as I realized the mistake, I paid the balance in full. The whole process misled me into believing that I had set up everything correctly to pay off the balance before any interest was charged only to have a large interest charge unexpectedly accrue.
Consumer complaint received 2019-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and XXXX.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ava Finance, Inc (NY)

Ava finance was paid and closed XX/XX/year> full amount paid {$20.00}. Theyre continuously reporting on my credit report twice that the amount of {$20.00} wasnt paid and its damaging my credit. 

Theyre also trying to force me to pay through an ACH bank account to gain further access into my information! Trying to speak with a live representative is difficult and when you email or leave a voicemail message you receive faulty communication responses again trying to gain access to you ACH bank information account.