davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (NY)

I previously demanded CREDIT CORP SOLUTIONS , INC. to remove this adverse account thats fraudulently has been reporting on my consumer report and causing me damage for the last three years. They refused my demand and fails to produce the original contract between me and the original creditor. Instead CREDIT CORP SOLUTIONS , INC. sent me a dispute response with XXXX XXXX agreements that I dont recognize and language stating that the debt is valid but did not provide me with any wet ink signatures on the original contract which shows to me that they are not the original creditor nor can validate that I owe this debt. I received a zero balance bill on XX/XX/2022 there is no reason why this company should be harassing me and causing my report and my family damages. Charge offs are not to be included in the consumer report due to the fact that a charge off is considered an Income account and income is not to be included in the Consumer report per the IRS. CREDIT COPR SOLUTIONS , INC. Is fraudulently accessing my personal information with the aid of XXXX XXXX XXXX and I demand it to stop. REMOVE ALL THIS FRAUD OFF MY REPORT OR EXPECT A PRE-ARBITRATION LAWSUIT.
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (AZ)

I applied for a line of credit through NetCredit after speaking to 3 customer service representatives on the phone that all confirmed the only requirement to apply is a bank account that has been open/has activity for at least 30 days with the ability to log into online banking for verification. I waited until I had my new account open for more than a month and decided to apply off of this information I received. Upon submitting my application and getting a hard pull on my credit, I was able to login to my bank account successfully, but NetCredit still requested 2 months of bank statements, which I do not have. They also asked me to verify my identity, which I completed by calling the number listed in the email. However, I have still not been able to get an approval or update and they are requesting XXXX bank statements. At this point, I have verified my identity, logged into my bank account to prove ownership, attached the only statement I have for the account, and attached additional documents including a bank verification letter confirming my account is in good standing with current balance There should be nothing additional NetCredit needs to verify who I am or the ownership of my bank. I need my application to be processed with the information I have provided, as this is more than enough and this feels like a bait and switch.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX XXXX and Experian. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, XXXX, and Experian have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and Experian have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
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. (SC)

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2024-02-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (TX)

Carter-Young Inc has filed collections against my credit report for a collection that the creditor has not provided proof that amount due of {$290.00} is actually valid. Carter-Young Inc did not do any due diligence to make sure the amount that creditor is trying to collect is valid or not. I have requested from the creditor to provide me proof of the charges since XX/XX/XXXX. The property manager of XXXX on XXXX said they would provide me pictures of the damages and never did. My daughter moved out of the apartment in XX/XX/XXXX and we did not get this bill until 2 months after her move out date. The renter is only allowed to dispute via email. XXXX on XXXX does not give you the option to dispute in person or by phone. 

Property manager stopped responding to my emails and also did not respond to my complaint with the XXXX. XXXX on XXXX did not even bother to respond to my dispute with XXXX to provide proof that the charge was valid. 

I spoke to supervisor XXXX XXXX with Carter-Young Inc today XXXX XX/XX/XXXX and gave her the background with XXXX on XXXX and how XXXX on XXXX provided no proof of the charges they are trying to collect. I am not sure how a debt collector can attempt to collect a debt when the debt collector does not even know if debt is legit or not. 

We have video of what apartment looked like when my daughter moved out in XX/XX/XXXX, but the creditor has not provided any evidence on why a full paint or shampoo was necessary. 

XXXX on XXXX also needs to explain why utility charges are being billed a year after being incurred. All I have asked is for XXXX on XXXX to validate the charges, but instead of validating the charges XXXX on XXXX has turned me and my daughter to a debt collector and debt collector did not even validate if the charges are valid and now I have taken a significant hit to my credit score. My XXXX Score dropped by XXXX points, XXXX dropped by XXXX points and XXXX dropped by XXXX points after the collection hit my credit report on XX/XX/XXXX. 

XXXX on XXXX may not charge the renter for normal wear and tear on the premises and may only charge for actual abnormal damage.
Consumer complaint received 2024-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I was contacted by XXXX, who claimed to be an employee of XXXX, a leading e-commerce platform founded by XXXX XXXX in 2008. She mentioned that she got my information from XXXX at XXXX XXXX XXXX, XXXX. XXXX explained that XXXX serves global buyers, predominantly in XXXX and the United States, and hosts around XXXX sellers. The company 's operational hours are XXXX XXXX  to XXXX XXXX  XXXX XXXX, during which tasks can typically be completed in less than an hour using a mobile phone or computer. XXXX collaborates with reputable application developers to enhance online visibility and search rankings, thereby increasing product purchases. Consequently, they seek remote workers from various locations to work on their XXXX platform. I underwent their training, for which they credited my account. After starting to submit tasks, I encountered an order termed a " welfare order '' that required transferring money using ETH to earn a commission. I downloaded XXXX to facilitate this. XXXX is stating there is nothing they can do. Which these transactions was charged from my chime debit card. However, upon attempting to withdraw my funds, and a commision of XXXX with commissions and my alleged investment of XXXX I had a total earnings on my platform of XXXX available to withdraw. I was informed that my credit score had dropped because of delays in completing the orders. To rectify this and withdraw my earnings along with my investment, I had to spend thousands of dollars to improve my credit score. Despite their assurances that nothing would impede my withdrawal after fixing my credit score, I faced yet another roadblock : an additional {$8500.00} tax filing fee. On top of all my fun, they now threatening messages, threatening my family, and my kids with guns pointing to the camera. My children as well as myself safety is at stake as well as all our income taken from us. At this stage, with {$18000.00} already invested, and no longer any means in my accounts I realized this was a fraudulent operation. As a single mother, losing {$18000.00} was devastating. Unable to trust the company further, I reported the fraud to the XXXX XXXX XXXX XXXX Department and filed a complaint with the FBI. XXXX XXXX has also assigned this fraudulent scam to an fbi agent on this investigation as well. The XXXX has been contacted in regards to this as well. Despite submitting all documentation to cash app that XXXX was fraudulently stolen, they concluded my claim without offering a refund, stating they found no error with apple pay. In total funds stolen {$2100.00} was fraudulently and deceived charged to my cash-app debit card and checking account. I have taken all necessary steps, including notifying my bank and law enforcement, yet cash app and apple pay refuses to assist in recovering my funds. This situation is an unequivocal scam, leaving me at a loss as my bank declines to aid in reclaiming my stolen money. Is there any assistance or help I could get? I appreciate it. Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. '' I hereby. Opt-out of your reporting services.

According to this U.S. Code 1681a Definitions ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as the transactions or experience between the consumer and the person making the report : Reporting transactions history is illegal. YOU MUST PROVIDE PROOF OF CLAIM. YOU HAVE AN ADDITIONAL 15 DAYs to comply or REMOVE THE DEROGATORY ACCOUNT
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MA)

I went on to my XXXX XXXX account and saw my score had went down. I have been working diligently on my score so i knew that something was going on. I looked deeper in the why it had gone down and I had seen under derogatory marks that under collections there was something that I had no knowledge of it had read LVNV FUNDING LLC. In the amount of XXXX $ and was opened on XX/XX/year> it also states that the original creditor was XXXX XXXX XXXX XXXX credit card. I have no knowledge of this being opened I didnt not open it I didnt not share my personal information with anyone to be able to open it. I called all three credit bureaus and put a fraud alert on my account so that if it happens again I will get a phone call verification that it is in fact me opening an account. I have never got a bill in the mail or been in contact with anyone about this other then me finding out and doing some investigating of my own and reaching out.
Consumer complaint received 2024-04-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is XXXX XXXX. I have account with Bank of America since 2021. On XXXX XXXX, Someone used my credit card at multiple locations. When I received alert from Bank of America, I denied charges and they blocked my card on my request Fraud case filed for fraud charges. After few days I received letter that case is closed and Bank of America decided that I used card personally at these stores. When I called Bank of America regarding claim, lady over there told me that I need to collect video proof from XXXX, XXXX XXXX for this claim to reverse these charges .I told her that how XXXX XXXX XXXX XXXX can give me video proof and she said that is your responsibility to get your money back. I went to XXXX XXXX, XXXX really XXXX and XXXX and they denied to give me any proof. They said they cant give any proof without police report. but during chatting with XXXX XXXX they told that card used by person name XXXX XXXX. I told Bank of America that I dont know this person. I also sent that conversation proof to Bank of America and also sent that I was at work at that time when card was used. I send my payroll hours to them as proof .No one listening to me. I am keep calling Bank of America everyday, no solution. So frustrating. Please help me to resolve this issue as soon as possible.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF ED/XXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite XXXX XXXX & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2024-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (TX)

I keep trying to figure out my intrest per day and keep coming up with a different number. Rep told me it was XXXX per day and it still not adding up. 

XXXX XXXX P = XXXX R = 24.10 % T = 72 months ( 6 years ) XXXX x XXXX = XXXX XXXX XXXX = {$6.00} daily I really dont understand why Im being charged more.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am reaching out for your assistance about this incorrect account appearing on my credit report. I have highlighted this issue because it has damaged my reputation, and I require your help. Your poor handling of my credit report left me struggling because your false reporting ruined my reputation. You need to remove these mistakes so I can live comfortably with my family.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I cashed in my stipend check ( # XXXX ) of XXXX XXXX dollars in the Chase bank at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

However Chase said they needed to confirm with the sender the amount and locked my account completely, even my private funds. They did not use the other number associated with my scholarship ( who is also a Chase bank member ). 

According to Chase they were not able to confirm with the sender, even though my scholarship contact person ( he is the main contact ) contacted Chase multiple times and they said everything from their part went well, and nothing should be done. An argument of privacy was being used when I inquired that they should contact them directly to resolve this. 

In the meantime, I was given 14 days for the sender to confirm the amount. But this was not working as transparent communication was not given my Scholarship as they kept stating their Chase contact person said this was all in order on their part. 

14 days passed and my account was closed. 

XX/XX/XXXX they stated a XXXX XXXX XXXX of XXXX XXXX dollars, however no return of funds has occurred to my scholarship nor a check of that amount has been made out to me. 

I made several appointments and visits to Chase to resolve this, but nothing has happened - Wednesday, XX/XX/XXXX at XXXX XXXX XXXX - XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX, NY - Thursday, XX/XX/XXXX at XXXX XXXX XXXX - XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX, NY - plus several in-person visits without appointments All in all, no funds have been 'bounced back to the scholarship account ' nor made out to me. My scholarship has no registration of this amount being back in their account. This XXXX XXXX dollars is supposed to go to my education and this miscommunication and incapabilities are beyond frustrating as a student..
Consumer complaint received 2024-01-09
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: Experian Information Solutions Inc. (CA)

I am filing a formal complaint against Experian and XXXX for egregious mishandling of the XXXX XXXX XXXX auto loan, Account Number XXXX. Their persistent violations have allowed this account to report as a charge-off for an unjustifiable two-year duration. 

Multiple Violations and Relevant Laws : 1. FCRA 623 ( a ) ( 2 ) - Inaccurate Reporting : Both credit bureaus failed to correct inaccuracies, enabling the continued reporting of an unjust charge-off status. 
2. FCRA 611 ( a ) ( 7 ) - Lack of Verification : Experian and XXXX neglected to verify the accuracy of the reported charge-off status, violating FCRA Section 611 ( a ) ( 7 ). 
3. FCRA 611 ( a ) ( 5 ) - Untimely Updates : Monthly updates as a charge-off constitute untimely reporting, directly violating FCRA Section 611 ( a ) ( 5 ). 

4. FDCPA 807 ( 8 ) - Harassment/Abuse : The repeated, unjust reporting constitutes harassment, violating the Fair Debt Collection Practices Act. 

XXXX still contacting me to pay different prices but it has already been written off I demand the immediate deletion of the XXXX XXXX XXXX account from my credit report due to the severe and continuous violations listed above. I expect a thorough investigation into this matter and swift corrective action. 

I appreciate your urgent attention to rectify these severe violations. 

Sincerely, XXXX XXXX